Blue Ridge Bank Mortgage Rates, Fees & Info
Martinsville, VALEI: 5493007WZXR2YE227I23
Tax ID: 54-1997265
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Mortgage Data
Review & Overview
Blue Ridge Bank is a smaller bank specializing in Home Purchase loans. Blue Ridge Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Washington, Virginia Beach, Raleigh, Charlotte, and Charlottesville among others. We have data for 130 markets. (Some data included below & more in-depth data is available with an active subscription.)Blue Ridge Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Blue Ridge Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.89% | 4/22/24 |
| 30 Year Conventional Refi | 6.79% | 4/22/24 |
| 30 Year Cash-out Refi | 7.04% | 4/22/24 |
| 30 Year FHA Purchase | 7.51% | 4/22/24 |
| 30 Year FHA Refi | 7.18% | 4/22/24 |
| 30 Year VA Purchase | 6.41% | 4/22/24 |
| 30 Year VA Refi | 6.15% | 4/22/24 |
| 30 Year USDA Purchase | 6.91% | 4/22/24 |
| 15 Year Conventional Purchase | 6.44% | 4/22/24 |
| 15 Year Conventional Refi | 6.43% | 4/22/24 |
| 15 Year Cash-out Refi | 6.43% | 4/22/24 |
| 15 Year FHA Purchase | 5.68% | 4/22/24 |
| 15 Year FHA Refi | 7.12% | 4/22/24 |
| 15 Year VA Purchase | 5.68% | 4/22/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Blue Ridge Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Blue Ridge Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,043Origination Dollar Volume (All Markets)
$312,115,000Awards
Blue Ridge Bank - 2023
Blue Ridge Bank is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Blue Ridge Bank's average 30 year fixed mortgage rate was
6.71%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.23%.
Relative Fees (Closing Costs)
Blue Ridge Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $7,305.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Outside of Metro Areas | 148 | $36,980,000 | $249,865 | $7,303 | 6.78% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 61 | $29,605,000 | $485,328 | $7,880 | 6.56% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 85 | $29,415,000 | $346,059 | $7,849 | 6.69% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 63 | $17,215,000 | $273,254 | $8,168 | 6.66% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 47 | $14,125,000 | $300,532 | $8,051 | 7.10% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 8 | $12,800,000 | $1,600,000 | $7,360 | 6.56% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 18 | $11,930,000 | $662,778 | $8,203 | 6.59% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 45 | $9,515,000 | $211,444 | $4,950 | 6.84% |
| Martinsville, VA (FHA|USDA|VA) | 57 | $9,085,000 | $159,386 | $7,036 | 6.41% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 35 | $8,595,000 | $245,571 | $6,506 | 6.77% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 22 | $8,240,000 | $374,545 | $6,667 | 6.89% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 20 | $7,200,000 | $360,000 | $7,551 | 6.66% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 26 | $6,240,000 | $240,000 | $8,267 | 6.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 27 | $6,165,000 | $228,333 | $6,930 | 6.78% |
| RICHMOND, VA (FHA|USDA|VA) | 19 | $5,835,000 | $307,105 | $7,557 | 6.69% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 17 | $5,385,000 | $316,765 | $6,248 | 6.62% |
| ROANOKE, VA (FHA|USDA|VA) | 17 | $4,325,000 | $254,412 | $6,246 | 6.80% |
| COLUMBIA, SC (FHA|USDA|VA) | 16 | $4,080,000 | $255,000 | $7,387 | 6.61% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 16 | $3,620,000 | $226,250 | $8,358 | 6.55% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 12 | $3,570,000 | $297,500 | $8,296 | 6.72% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 12 | $3,420,000 | $285,000 | $7,303 | 7.18% |
| Cullowhee, NC (FHA|USDA|VA) | 3 | $3,395,000 | $1,131,667 | $11,274 | 7.08% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $3,245,000 | $1,081,667 | $11,926 | 6.58% |
| WILMINGTON, NC (FHA|USDA|VA) | 12 | $3,110,000 | $259,167 | $8,986 | 6.25% |
| Danville, VA (FHA|USDA|VA) | 15 | $2,835,000 | $189,000 | $6,985 | 6.67% |
| HARRISONBURG, VA (FHA|USDA|VA) | 7 | $2,375,000 | $339,286 | $4,696 | 6.53% |
| Shelby, NC (FHA|USDA|VA) | 10 | $2,360,000 | $236,000 | $6,418 | 6.89% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 7 | $2,125,000 | $303,571 | $7,151 | 6.39% |
| BURLINGTON, NC (FHA|USDA|VA) | 8 | $1,840,000 | $230,000 | $9,230 | 7.19% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 4 | $1,730,000 | $432,500 | $9,515 | 6.56% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $1,715,000 | $571,667 | $7,358 | 6.63% |
| FLORENCE, SC (FHA|USDA|VA) | 6 | $1,710,000 | $285,000 | $4,917 | 7.02% |
| LYNCHBURG, VA (FHA|USDA|VA) | 10 | $1,650,000 | $165,000 | $4,594 | 6.95% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 3 | $1,635,000 | $545,000 | $11,956 | 7.29% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 5 | $1,595,000 | $319,000 | $8,613 | 6.78% |
| PITTSBURGH, PA (FHA|USDA|VA) | 5 | $1,425,000 | $285,000 | $6,912 | 7.00% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $1,420,000 | $710,000 | $19,257 | 6.06% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $9,187 | 6.02% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 9 | $1,355,000 | $150,556 | $6,065 | 6.60% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $11,314 | 6.46% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $1,305,000 | $1,305,000 | $18,309 | 5.99% |
| FORT WAYNE, IN (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $9,281 | 6.27% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $3,880 | 7.13% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $1,025,000 | $1,025,000 | $6,629 | 5.50% |
| SPARTANBURG, SC (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $5,784 | 7.30% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $12,638 | 6.88% |
| GOLDSBORO, NC (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $12,133 | 6.25% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $7,806 | 6.85% |
| Seneca, SC (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $6,634 | 7.29% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $8,403 | 6.59% |
| Laurinburg, NC (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $7,021 | 6.72% |
| STAUNTON, VA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $4,748 | 6.33% |
| GREENVILLE, NC (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $7,982 | 7.21% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $6,990 | 6.88% |
| Mount Airy, NC (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $6,804 | 7.19% |
| LOUISVILLE, KY (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $7,656 | 7.25% |
| Elizabeth City, NC (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $12,522 | 7.12% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $6,205 | 6.75% |
| Albemarle, NC (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $10,640 | 6.81% |
| Bluefield, WV-VA (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $5,894 | 6.77% |
| Richmond, IN (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $6,283 | 6.72% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $6,440 | 7.63% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,262 | 6.88% |
| DECATUR, IL (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $3,014 | 6.63% |
| Wilson, NC (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $12,963 | 5.94% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $9,105 | 6.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,285 | 6.38% |
| Henderson, NC (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $8,730 | 6.25% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $18,421 | 7.00% |
| BECKLEY, WV (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $6,849 | 6.88% |
| Gaffney, SC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,286 | 7.50% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,967 | 7.00% |
| Lock Haven, PA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $5,072 | 6.79% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $25,415 | 7.25% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $12,332 | 8.13% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $8,202 | 7.63% |
| Sanford, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $15,165 | 7.00% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $12,384 | 7.63% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,219 | 6.87% |
| Lumberton, NC (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $6,131 | 6.83% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,204 | 6.62% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $7,528 | 6.38% |
| Huntington, IN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,999 | 7.12% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,332 | 8.50% |
| DALTON, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,958 | 7.13% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,206 | 7.13% |
| Dublin, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,509 | 6.13% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,460 | 6.75% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,601 | 7.50% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,821 | 5.75% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,161 | 7.38% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 7.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $12,756 | 7.13% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,165 | 6.00% |
| New Castle, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,563 | 6.99% |
| Marion, IN (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,230 | 6.81% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,464 | 6.75% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,527 | 6.50% |
| Connersville, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,176 | 7.50% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,072 | 5.63% |
| Dayton, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,500 | 6.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,140 | 6.75% |
| Clarksburg, WV (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $5,716 | 6.75% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,366 | 7.38% |
| MADISON, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,553 | 6.50% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,025 | 7.13% |
| READING, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,355 | 6.99% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,465 | 7.63% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,148 | 7.25% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,733 | 7.50% |
| North Vernon, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,659 | 6.99% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,914 | 6.13% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,868 | 6.63% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,020 | 7.38% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,481 | 6.88% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,629 | 6.99% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,490 | 6.25% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,403 | 6.63% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,626 | 7.63% |
| Bennettsville, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $8,530 | 5.13% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,657 | 5.38% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,711 | 6.25% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,865 | 6.38% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,390 | 6.13% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,129 | 6.75% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,488 | 6.50% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,639 | 6.49% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,712 | 6.50% |
| Waycross, GA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,972 | 8.00% |
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Product Mix
For 2023, Blue Ridge Bank's most frequently originated type of loan was Conventional, with 597 originations. Their 2nd most popular type was FHA, with 306 originations.
Loan Reason
For 2023, Blue Ridge Bank's most frequently cited loan purpose was Home Purchase, with 923 originations. The 2nd most popular reason was Cash Out Refi, with 75 originations.
Loan Duration/Length
For 2023, Blue Ridge Bank's most frequently cited loan duration was 30 Year, with 957 originations. The 2nd most popular length was 30+ year, with 46 originations.
Origination Fees/Closing Costs
Blue Ridge Bank's average total fees were $7,305, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 402 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 596 | $172,830,000 | $289,983 |
| 7-8% | 250 | $74,860,000 | $299,440 |
| 5-6% | 152 | $50,710,000 | $333,618 |
| Over 8% | 45 | $13,715,000 | $304,778 |
During 2023, Blue Ridge Bank's average interest rate for loans was 6.71%, while their most frequently originated rate bucket for loans was 6-7%, with 596 originations.
Loan Sizing
2023 saw Blue Ridge Bank place emphasis on $200k-400k loans with 443 originations, totaling $124,685,000 in origination value.
Applicant Income
Blue Ridge Bank lent most frequently to those with incomes in the $50k-75k range, with 249 originations. The second most popular income band? $100k-150k, with 215 originations.
Applicant Debt to Income Ratio
Blue Ridge Bank lent most frequently to those with DTI ratios of 30-36%, with 161 originations. The next most common DTI ratio? 20-30%, with 143 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.93%
Blue Ridge Bank has an average approval rate.
Pick Rate
Approvals leading to origination83.13%
Blue Ridge Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,043 | $312,115,000 | $299,247 |