Blue Ridge Bank Mortgage Rates, Fees & Info

Martinsville, VA

LEI: 5493007WZXR2YE227I23

Tax ID: 54-1997265

4.3 stars - out of 5 stars, based on 71 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Blue Ridge Bank is a small bank specializing in Home Purchase, Refi, and Cash Out Refi 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: Virginia Beach, Washington, Richmond, Charlotte, and Indianapolis among others. We have data for 235 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 an above 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 about average 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.16% 11/27/22
    30 Year Conventional Refi 6.98% 11/27/22
    30 Year Cash-out Refi 7.20% 11/27/22
    30 Year FHA Purchase 7.78% 11/27/22
    30 Year FHA Refi 7.32% 11/27/22
    30 Year VA Purchase 6.69% 11/27/22
    30 Year VA Refi 6.34% 11/27/22
    30 Year USDA Purchase 7.14% 11/27/22
    30 Year USDA Refi 6.82% 11/27/22
    15 Year Conventional Purchase 6.54% 11/27/22
    15 Year Conventional Refi 6.38% 11/27/22
    15 Year Cash-out Refi 6.38% 11/27/22
    15 Year FHA Purchase 6.93% 11/27/22
    15 Year FHA Refi 6.87% 11/27/22
    15 Year VA Purchase 6.18% 11/27/22
    15 Year VA Refi 5.93% 11/27/22
    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.


    Originations

    5,028

    Origination Dollar Volume (All Markets)

    $1,311,970,000

    Employee count

    527 Show all (6) awards

    Relative Rate

    Blue Ridge Bank's average 30 year fixed mortgage rate was 3.15%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0%.

    Relative Fees (Closing Costs)

    Blue Ridge Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,468.

    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 $4,750.

    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
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 891 $204,635,000 $229,669 $4,779 2.99%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 436 $179,150,000 $410,894 $7,199 3.16%
    Outside of Metro Areas 528 $117,920,000 $223,333 $4,771 3.23%
    RICHMOND, VA (FHA|USDA|VA) 191 $62,985,000 $329,764 $4,591 3.35%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 183 $49,955,000 $272,978 $4,520 3.21%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 149 $31,675,000 $212,584 $2,961 3.12%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 115 $29,585,000 $257,261 $5,537 3.14%
    SALT LAKE CITY, UT (FHA|USDA|VA) 131 $28,965,000 $221,107 $3,905 2.92%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 34 $25,600,000 $752,941 $7,970 3.30%
    WINSTON-SALEM, NC (FHA|USDA|VA) 129 $24,915,000 $193,140 $4,994 3.24%
    RALEIGH-CARY, NC (FHA|USDA|VA) 94 $24,430,000 $259,894 $5,110 3.24%
    WILMINGTON, NC (FHA|USDA|VA) 82 $23,320,000 $284,390 $6,074 3.25%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 99 $20,895,000 $211,061 $4,919 3.28%
    ASHEVILLE, NC (FHA|USDA|VA) 72 $20,590,000 $285,972 $4,721 2.82%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 78 $20,530,000 $263,205 $6,278 3.14%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 66 $19,980,000 $302,727 $5,327 3.33%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 56 $18,190,000 $324,821 $5,477 3.43%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 54 $17,560,000 $325,185 $8,681 2.96%
    Martinsville, VA (FHA|USDA|VA) 98 $15,170,000 $154,796 $5,110 3.16%
    FAYETTEVILLE, NC (FHA|USDA|VA) 62 $15,060,000 $242,903 $6,264 2.95%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 55 $14,875,000 $270,455 $4,366 2.99%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 41 $14,775,000 $360,366 $6,907 3.06%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 24 $13,530,000 $563,750 $8,172 3.08%
    COLUMBIA, SC (FHA|USDA|VA) 61 $13,415,000 $219,918 $3,778 3.30%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 46 $11,820,000 $256,957 $4,979 2.94%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 43 $10,105,000 $235,000 $4,347 2.99%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 47 $10,075,000 $214,362 $5,379 2.86%
    Statesboro, GA (FHA|USDA|VA) 37 $9,195,000 $248,514 $5,001 3.11%
    ST. GEORGE, UT (FHA|USDA|VA) 45 $8,865,000 $197,000 $3,152 2.97%
    Shelby, NC (FHA|USDA|VA) 35 $8,695,000 $248,429 $6,656 3.09%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 25 $8,415,000 $336,600 $5,057 3.14%
    ROANOKE, VA (FHA|USDA|VA) 38 $7,950,000 $209,211 $5,082 3.05%
    WINCHESTER, VA-WV (FHA|USDA|VA) 24 $7,070,000 $294,583 $4,904 3.44%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 18 $6,940,000 $385,556 $5,500 3.06%
    LYNCHBURG, VA (FHA|USDA|VA) 35 $6,935,000 $198,143 $4,474 3.20%
    Kill Devil Hills, NC (FHA|USDA|VA) 19 $6,155,000 $323,947 $4,376 3.53%
    JACKSONVILLE, NC (FHA|USDA|VA) 19 $5,825,000 $306,579 $6,702 3.25%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 20 $5,540,000 $277,000 $5,747 3.24%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 23 $5,345,000 $232,391 $3,529 3.20%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 12 $5,060,000 $421,667 $8,217 3.01%
    SPARTANBURG, SC (FHA|USDA|VA) 26 $5,040,000 $193,846 $4,295 2.88%
    HARRISONBURG, VA (FHA|USDA|VA) 19 $5,015,000 $263,947 $4,336 3.17%
    Forest City, NC (FHA|USDA|VA) 16 $4,790,000 $299,375 $6,829 2.98%
    Vidalia, GA (FHA|USDA|VA) 25 $4,525,000 $181,000 $5,278 2.87%
    READING, PA (FHA|USDA|VA) 22 $4,180,000 $190,000 $6,298 2.79%
    Lumberton, NC (FHA|USDA|VA) 24 $3,980,000 $165,833 $4,560 3.29%
    Mount Airy, NC (FHA|USDA|VA) 19 $3,795,000 $199,737 $3,802 3.09%
    SAVANNAH, GA (FHA|USDA|VA) 13 $3,515,000 $270,385 $5,160 3.17%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 12 $3,350,000 $279,167 $4,661 2.95%
    Sanford, NC (FHA|USDA|VA) 12 $3,270,000 $272,500 $7,923 3.04%
    Bluefield, WV-VA (FHA|USDA|VA) 20 $3,160,000 $158,000 $4,799 2.93%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 10 $3,100,000 $310,000 $7,182 3.43%
    FORT WAYNE, IN (FHA|USDA|VA) 12 $3,000,000 $250,000 $5,692 2.79%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 9 $2,985,000 $331,667 $7,776 3.19%
    PITTSBURGH, PA (FHA|USDA|VA) 13 $2,935,000 $225,769 $5,560 3.20%
    Waycross, GA (FHA|USDA|VA) 18 $2,860,000 $158,889 $4,813 2.86%
    Morehead City, NC (FHA|USDA|VA) 8 $2,830,000 $353,750 $4,792 3.08%
    Laurinburg, NC (FHA|USDA|VA) 20 $2,800,000 $140,000 $5,110 3.36%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 11 $2,705,000 $245,909 $5,243 3.00%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 6 $2,680,000 $446,667 $6,471 3.06%
    STAUNTON, VA (FHA|USDA|VA) 10 $2,650,000 $265,000 $4,713 3.69%
    North Wilkesboro, NC (FHA|USDA|VA) 13 $2,495,000 $191,923 $4,116 3.03%
    JACKSON, MS (FHA|USDA|VA) 16 $2,390,000 $149,375 $4,309 3.02%
    Danville, VA (FHA|USDA|VA) 10 $2,240,000 $224,000 $4,563 3.34%
    BURLINGTON, NC (FHA|USDA|VA) 9 $2,215,000 $246,111 $5,382 3.22%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 8 $2,170,000 $271,250 $6,334 2.81%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 11 $2,155,000 $195,909 $4,387 3.07%
    Brevard, NC (FHA|USDA|VA) 7 $2,145,000 $306,429 $4,863 3.05%
    Whitewater, WI (FHA|USDA|VA) 14 $2,050,000 $146,429 $2,825 3.33%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 10 $1,970,000 $197,000 $4,407 2.86%
    GREENVILLE, NC (FHA|USDA|VA) 7 $1,955,000 $279,286 $6,465 3.27%
    Tupelo, MS (FHA|USDA|VA) 12 $1,910,000 $159,167 $4,362 3.43%
    TALLAHASSEE, FL (FHA|USDA|VA) 7 $1,895,000 $270,714 $7,958 2.96%
    Cedar City, UT (FHA|USDA|VA) 9 $1,865,000 $207,222 $3,487 2.88%
    LANCASTER, PA (FHA|USDA|VA) 10 $1,780,000 $178,000 $6,114 2.68%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $1,740,000 $435,000 $7,357 3.41%
    TERRE HAUTE, IN (FHA|USDA|VA) 10 $1,700,000 $170,000 $3,285 3.26%
    Gaffney, SC (FHA|USDA|VA) 6 $1,650,000 $275,000 $4,618 3.33%
    Elizabeth City, NC (FHA|USDA|VA) 9 $1,625,000 $180,556 $4,210 3.06%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 3 $1,615,000 $538,333 $8,663 3.17%
    SALISBURY, MD-DE (FHA|USDA|VA) 4 $1,570,000 $392,500 $6,266 2.88%
    Jesup, GA (FHA|USDA|VA) 6 $1,470,000 $245,000 $4,393 2.98%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 5 $1,385,000 $277,000 $3,492 2.90%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 8 $1,350,000 $168,750 $4,232 3.52%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $1,255,000 $251,000 $4,852 3.10%
    HINESVILLE, GA (FHA|USDA|VA) 6 $1,150,000 $191,667 $5,064 2.94%
    Douglas, GA (FHA|USDA|VA) 6 $1,150,000 $191,667 $4,648 2.69%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $1,145,000 $381,667 $5,626 3.38%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $1,140,000 $285,000 $3,797 3.16%
    BRUNSWICK, GA (FHA|USDA|VA) 7 $1,115,000 $159,286 $4,654 2.88%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 5 $1,095,000 $219,000 $5,623 3.38%
    ALBANY, GA (FHA|USDA|VA) 3 $1,075,000 $358,333 $5,956 3.00%
    Palatka, FL (FHA|USDA|VA) 7 $1,075,000 $153,571 $3,914 3.68%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 5 $1,055,000 $211,000 $5,956 2.63%
    COLUMBUS, OH (FHA|USDA|VA) 4 $1,050,000 $262,500 $6,790 3.03%
    Marion, NC (FHA|USDA|VA) 5 $1,045,000 $209,000 $4,545 3.10%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $1,035,000 $345,000 $4,613 3.50%
    St. Marys, GA (FHA|USDA|VA) 4 $1,020,000 $255,000 $6,665 3.19%
    Huntington, IN (FHA|USDA|VA) 8 $1,010,000 $126,250 $3,618 2.73%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $1,005,000 $335,000 $5,564 2.92%
    GOLDSBORO, NC (FHA|USDA|VA) 3 $965,000 $321,667 $4,341 3.83%
    Henderson, NC (FHA|USDA|VA) 4 $910,000 $227,500 $6,418 3.47%
    VALDOSTA, GA (FHA|USDA|VA) 6 $860,000 $143,333 $5,343 2.92%
    Greenwood, SC (FHA|USDA|VA) 3 $845,000 $281,667 $5,642 2.96%
    PROVO-OREM, UT (FHA|USDA|VA) 2 $840,000 $420,000 $4,439 3.63%
    Findlay, OH (FHA|USDA|VA) 6 $840,000 $140,000 $2,883 3.15%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $785,000 $785,000 $18,421 2.50%
    Jasper, AL (FHA|USDA|VA) 6 $780,000 $130,000 $4,842 2.96%
    McAlester, OK (FHA|USDA|VA) 2 $780,000 $390,000 $6,346 3.06%
    Easton, MD (FHA|USDA|VA) 2 $770,000 $385,000 $10,342 2.75%
    MODESTO, CA (FHA|USDA|VA) 2 $770,000 $385,000 $8,671 3.38%
    ROCKY MOUNT, NC (FHA|USDA|VA) 5 $765,000 $153,000 $2,867 2.98%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $765,000 $765,000 $5,449 3.38%
    YORK-HANOVER, PA (FHA|USDA|VA) 3 $725,000 $241,667 $6,635 3.33%
    Albemarle, NC (FHA|USDA|VA) 2 $720,000 $360,000 $5,633 3.38%
    RACINE, WI (FHA|USDA|VA) 4 $700,000 $175,000 $2,336 3.41%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 5 $685,000 $137,000 $3,002 2.95%
    Warsaw, IN (FHA|USDA|VA) 3 $665,000 $221,667 $3,762 2.71%
    Roanoke Rapids, NC (FHA|USDA|VA) 2 $630,000 $315,000 $4,826 2.94%
    WILLIAMSPORT, PA (FHA|USDA|VA) 3 $625,000 $208,333 $6,794 2.83%
    Rockingham, NC (FHA|USDA|VA) 4 $600,000 $150,000 $4,564 3.13%
    SUMTER, SC (FHA|USDA|VA) 2 $560,000 $280,000 $4,957 3.19%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $545,000 $545,000 $3,775 2.63%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $540,000 $270,000 $4,093 3.38%
    Orangeburg, SC (FHA|USDA|VA) 2 $540,000 $270,000 $5,526 3.44%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 3 $525,000 $175,000 $4,548 3.17%
    Seneca, SC (FHA|USDA|VA) 1 $525,000 $525,000 $8,232 1.75%
    NEW BERN, NC (FHA|USDA|VA) 2 $500,000 $250,000 $5,781 3.06%
    JACKSONVILLE, FL (FHA|USDA|VA) 2 $470,000 $235,000 $5,723 2.88%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $465,000 $465,000 $3,359 3.00%
    Sevierville, TN (FHA|USDA|VA) 2 $440,000 $220,000 $4,084 3.44%
    MORGANTOWN, WV (FHA|USDA|VA) 3 $425,000 $141,667 $3,800 2.71%
    OCALA, FL (FHA|USDA|VA) 1 $405,000 $405,000 $13,221 3.88%
    Washington, NC (FHA|USDA|VA) 1 $405,000 $405,000 $4,409 3.38%
    BECKLEY, WV (FHA|USDA|VA) 3 $405,000 $135,000 $3,803 2.88%
    Union, SC (FHA|USDA|VA) 2 $400,000 $200,000 $5,558 3.13%
    Lock Haven, PA (FHA|USDA|VA) 2 $400,000 $200,000 $6,544 2.81%
    LOGAN, UT-ID (FHA|USDA|VA) 1 $395,000 $395,000 $5,194 3.00%
    HUNTSVILLE, AL (FHA|USDA|VA) 2 $390,000 $195,000 $3,798 3.50%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $385,000 $385,000 $4,472 3.00%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $385,000 $385,000 $18,742 5.25%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $380,000 $190,000 $3,418 2.81%
    RENO, NV (FHA|USDA|VA) 1 $375,000 $375,000 $3,290 2.88%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $375,000 $375,000 $11,472 2.75%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 3 $365,000 $121,667 $3,733 3.25%
    CHARLESTON, WV (FHA|USDA|VA) 1 $365,000 $365,000 $12,171 3.50%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $360,000 $180,000 $6,497 3.00%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $360,000 $180,000 $3,997 3.13%
    TOLEDO, OH (FHA|USDA|VA) 2 $360,000 $180,000 $3,479 3.19%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $355,000 $355,000 $7,170 3.63%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $355,000 $355,000 $3,957 4.13%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $355,000 $355,000 $7,656 3.13%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $355,000 $355,000 $16,268 3.50%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $340,000 $170,000 $2,812 3.50%
    MADERA, CA (FHA|USDA|VA) 1 $335,000 $335,000 $4,895 3.38%
    Manitowoc, WI (FHA|USDA|VA) 2 $330,000 $165,000 $3,738 2.75%
    STATE COLLEGE, PA (FHA|USDA|VA) 2 $330,000 $165,000 $6,676 3.13%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $325,000 $325,000 $8,501 3.38%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $325,000 $325,000 $11,566 3.25%
    SPRINGFIELD, MA (FHA|USDA|VA) 1 $325,000 $325,000 $3,961 3.00%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $325,000 $325,000 $3,671 2.75%
    Cordele, GA (FHA|USDA|VA) 2 $320,000 $160,000 $5,527 3.00%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $315,000 $315,000 $2,297 3.50%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $315,000 $315,000 $12,447 2.88%
    El Campo, TX (FHA|USDA|VA) 2 $310,000 $155,000 $3,029 2.63%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $305,000 $305,000 $5,625 2.88%
    Key West, FL (FHA|USDA|VA) 1 $295,000 $295,000 $6,314 4.38%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $295,000 $295,000 $7,613 3.00%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $295,000 $295,000 $5,678 3.75%
    MADISON, WI (FHA|USDA|VA) 1 $295,000 $295,000 $1,422 2.25%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $285,000 $285,000 $16,027 2.38%
    Charleston-Mattoon, IL (FHA|USDA|VA) 1 $285,000 $285,000 $3,388 2.88%
    GREEN BAY, WI (FHA|USDA|VA) 1 $285,000 $285,000 $4,663 3.38%
    Dublin, GA (FHA|USDA|VA) 1 $275,000 $275,000 $4,674 2.13%
    TULSA, OK (FHA|USDA|VA) 1 $275,000 $275,000 $9,035 3.00%
    SANTA FE, NM (FHA|USDA|VA) 1 $275,000 $275,000 $8,351 2.50%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $255,000 $255,000 $3,864 2.75%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $255,000 $255,000 $3,646 3.00%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $245,000 $245,000 $7,259 3.00%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $245,000 $245,000 $4,700 2.88%
    Lewisburg, PA (FHA|USDA|VA) 1 $245,000 $245,000 $5,076 2.25%
    Oil City, PA (FHA|USDA|VA) 3 $235,000 $78,333 $4,265 3.88%
    Frankfort, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,536 3.25%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,708 3.50%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $225,000 $225,000 $3,774 3.50%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $215,000 $215,000 $3,091 2.25%
    Milledgeville, GA (FHA|USDA|VA) 1 $205,000 $205,000 $6,825 3.50%
    Crawfordsville, IN (FHA|USDA|VA) 1 $205,000 $205,000 $2,440 3.00%
    Ponca City, OK (FHA|USDA|VA) 1 $205,000 $205,000 $6,157 3.13%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $205,000 $205,000 $4,053 3.38%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $205,000 $205,000 $7,881 2.75%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $195,000 $195,000 $2,515 2.88%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $195,000 $195,000 $3,331 2.50%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $195,000 $195,000 $3,379 3.38%
    Tifton, GA (FHA|USDA|VA) 1 $195,000 $195,000 $7,413 2.25%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $195,000 $195,000 $2,161 2.88%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $185,000 $185,000 $2,588 2.88%
    Clarksburg, WV (FHA|USDA|VA) 1 $185,000 $185,000 $5,132 2.75%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $175,000 $175,000 $4,654 3.50%
    Georgetown, SC (FHA|USDA|VA) 1 $175,000 $175,000 $4,887 2.88%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,878 2.50%
    Thomasville, GA (FHA|USDA|VA) 1 $175,000 $175,000 $5,540 2.25%
    Pottsville, PA (FHA|USDA|VA) 1 $165,000 $165,000 $5,813 3.75%
    Fairmont, WV (FHA|USDA|VA) 1 $165,000 $165,000 $3,138 2.88%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $165,000 $165,000 $3,403 3.63%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $165,000 $165,000 $2,890 3.13%
    Hastings, NE (FHA|USDA|VA) 1 $165,000 $165,000 $3,530 3.50%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $165,000 $165,000 $3,046 3.25%
    Newberry, SC (FHA|USDA|VA) 1 $165,000 $165,000 $4,663 3.00%
    Boone, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,619 3.38%
    Richmond, IN (FHA|USDA|VA) 1 $155,000 $155,000 $4,773 3.00%
    FLORENCE, SC (FHA|USDA|VA) 1 $155,000 $155,000 $3,399 3.38%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $150,000 $75,000 $3,279 3.44%
    APPLETON, WI (FHA|USDA|VA) 1 $145,000 $145,000 $5,274 3.00%
    Burley, ID (FHA|USDA|VA) 1 $145,000 $145,000 $3,945 3.38%
    DOTHAN, AL (FHA|USDA|VA) 1 $145,000 $145,000 $7,741 3.50%
    Cullowhee, NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,731 2.88%
    Tiffin, OH (FHA|USDA|VA) 1 $135,000 $135,000 $2,460 3.00%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $135,000 $135,000 $3,851 2.88%
    Huntsville, TX (FHA|USDA|VA) 1 $135,000 $135,000 $4,193 3.25%
    LEBANON, PA (FHA|USDA|VA) 1 $125,000 $125,000 $5,746 3.88%
    Huntingdon, PA (FHA|USDA|VA) 1 $125,000 $125,000 $5,851 2.25%
    Wilson, NC (FHA|USDA|VA) 1 $125,000 $125,000 $5,452 2.75%
    FRESNO, CA (FHA|USDA|VA) 1 $115,000 $115,000 $3,699 3.63%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.25%
    Kendallville, IN (FHA|USDA|VA) 1 $115,000 $115,000 $4,252 2.88%
    Ontario, OR-ID (FHA|USDA|VA) 1 $115,000 $115,000 $2,993 2.38%
    Auburn, IN (FHA|USDA|VA) 1 $115,000 $115,000 $4,203 2.88%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $115,000 $115,000 $4,527 2.63%
    EL PASO, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,923 3.25%
    Celina, OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,807 4.00%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $95,000 $95,000 $3,838 3.88%
    Mount Gay-Shamrock, WV (FHA|USDA|VA) 1 $85,000 $85,000 $4,242 2.88%
    Kinston, NC (FHA|USDA|VA) 1 $85,000 $85,000 $3,592 2.88%
    Meridian, MS (FHA|USDA|VA) 1 $65,000 $65,000 $3,070 3.50%
    Blue Ridge Bank's top markets include Virginia Beach, Washington, Richmond, Charlotte, and Indianapolis among others.

    Their top states include:
  • Virginia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,660 $977,980,000 $267,208 $4,395 3.21%
    FHA 601 $136,435,000 $227,013 $7,916 3.00%
    VA 522 $156,310,000 $299,444 $7,004 2.73%
    USDA 245 $41,245,000 $168,347 $5,391 2.89%

    For 2021, Blue Ridge Bank's most frequently originated type of loan was Conventional, with 3,660 originations. Their 2nd most popular type was FHA, with 601 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,477 $688,115,000 $277,802 $5,895 3.20%
    Refi 1,318 $333,870,000 $253,316 $4,172 2.95%
    Cash Out Refi 1,229 $288,595,000 $234,821 $4,742 3.15%
    Home Improvement 4 $1,390,000 $347,500 $0 4.44%

    For 2021, Blue Ridge Bank's most frequently cited loan purpose was Home Purchase, with 2,477 originations. The 2nd most popular reason was Refi, with 1,318 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,917 $1,050,275,000 $268,132 $5,468 3.15%
    15 Year 613 $116,985,000 $190,840 $3,608 2.66%
    20 Year 231 $52,425,000 $226,948 $3,891 3.04%
    30+ year 85 $45,585,000 $536,294 $6,910 4.00%
    10 Year 82 $18,420,000 $224,634 $2,968 3.16%
    Other 56 $18,170,000 $324,464 $5,397 4.10%
    5 Year 26 $7,060,000 $271,538 $0 4.23%
    1 Year 18 $3,050,000 $169,444 $0 4.22%

    For 2021, Blue Ridge Bank's most frequently cited loan duration was 30 Year, with 3,917 originations. The 2nd most popular length was 15 Year, with 613 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,103 $529,815,000 $251,933
    $<1k 1,295 $293,145,000 $226,367
    $2k-3k 652 $143,810,000 $220,567
    $3k-4k 357 $94,645,000 $265,112
    $5k+ 265 $140,985,000 $532,019
    $4k-5k 203 $64,405,000 $317,266

    Blue Ridge Bank's average total fees were $5,468, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,103 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,105 $564,095,000 $267,979
    2.5-3% 1,863 $479,965,000 $257,630
    <2.5% 721 $178,465,000 $247,524
    4-5% 323 $85,405,000 $264,412
    5-6% 15 $3,985,000 $265,667
    Over 8% 1 $55,000 $55,000

    During 2021, Blue Ridge Bank's average interest rate for loans was 3.15%, while their most frequently originated rate bucket for loans was 3-4%, with 2,105 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,179 $608,595,000 $279,300 $5,457 3.09%
    $100k-200k 1,805 $274,965,000 $152,335 $4,150 3.11%
    $400k-600k 458 $216,380,000 $472,445 $6,670 3.09%
    $100,000 or less 393 $30,065,000 $76,501 $3,284 3.34%
    $600k-1MM 147 $111,205,000 $756,497 $10,353 3.17%
    $1MM+ 46 $70,760,000 $1,538,261 $15,826 3.49%

    2021 saw Blue Ridge Bank place emphasis on $200k-400k loans with 2,179 originations, totaling $608,595,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,204 $249,160,000 $206,944 $5,094 3.08%
    $100k-150k 943 $272,265,000 $288,722 $5,201 3.09%
    $75k-100k 925 $228,385,000 $246,903 $5,062 3.09%
    $50k or less 915 $134,675,000 $147,186 $4,410 3.13%
    $150k-250k 595 $216,185,000 $363,336 $5,884 3.17%
    $250k+ 254 $152,930,000 $602,087 $7,414 3.23%

    Blue Ridge Bank lent most frequently to those with incomes in the $50k-75k range, with 1,204 originations. The second most popular income band? $100k-150k, with 943 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,159 $286,745,000 $247,407 $4,800 3.05%
    30-36% 946 $243,300,000 $257,188 $4,916 3.12%
    <20% 438 $105,280,000 $240,365 $4,370 3.06%
    44% 201 $52,885,000 $263,109 $4,870 3.12%
    41% 198 $48,190,000 $243,384 $5,400 3.24%
    42% 191 $48,515,000 $254,005 $5,729 3.17%
    38% 173 $42,995,000 $248,526 $5,118 3.14%
    40% 169 $45,845,000 $271,272 $5,409 3.14%
    36% 163 $43,355,000 $265,982 $5,086 3.11%
    37% 161 $44,315,000 $275,248 $5,057 3.11%
    43% 159 $43,605,000 $274,245 $5,682 3.14%
    39% 159 $39,935,000 $251,164 $5,456 3.13%
    50-60% 132 $42,970,000 $325,530 $9,685 2.95%
    45% 127 $34,765,000 $273,740 $5,228 3.17%
    46% 120 $35,180,000 $293,167 $5,765 3.11%
    49% 106 $33,700,000 $317,925 $6,397 3.12%
    47% 100 $28,070,000 $280,700 $5,641 3.10%
    48% 94 $24,110,000 $256,489 $5,628 3.09%
    >60% 3 $795,000 $265,000 $5,087 3.21%

    Blue Ridge Bank lent most frequently to those with DTI ratios of 20-30%, with 1,159 originations. The next most common DTI ratio? 30-36%, with 946 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,580 $908,280,000 $253,709 $4,909 3.09%
    Black 632 $157,400,000 $249,051 $6,178 3.16%
    Not provided 466 $130,840,000 $280,773 $5,450 3.12%
    Asian 205 $67,455,000 $329,049 $5,410 3.07%
    Not applicable 99 $34,925,000 $352,778 $0 4.22%
    American Indian 30 $8,340,000 $278,000 $6,647 3.10%
    Native Hawaiian or Islander 5 $1,325,000 $265,000 $9,084 2.85%
    Other Asian 4 $1,110,000 $277,500 $4,663 3.03%
    Asian Indian 2 $870,000 $435,000 $7,323 3.00%
    Chinese 2 $570,000 $285,000 $3,818 2.88%
    Korean 1 $455,000 $455,000 $5,243 4.88%
    Filipino 1 $225,000 $225,000 $4,245 2.88%
    Other Pacific Islander 1 $175,000 $175,000 $2,679 2.25%

    Approval Rates

    Total approvals of all applications
    92.16%

    Blue Ridge Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    92.14%

    Blue Ridge Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,028 $1,311,970,000 $260,933

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5,028 $1,311,970,000 $260,933

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 229 $43,405,000 $189,541 $3,594 3.01%
    40-60% 642 $133,690,000 $208,240 $3,793 3.00%
    60-80% 1,831 $502,475,000 $274,427 $4,783 3.22%
    80-100% 2,124 $578,760,000 $272,486 $5,796 3.12%
    Over 100% 90 $29,580,000 $328,667 $13,167 2.91%
    Under 20% 29 $2,805,000 $96,724 $2,770 3.41%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Blue Ridge Bank, National Association 1 E Market St Martinsville, VA 24112 Full Service B&M $67,494
    Blue Ridge Bank, National Association 10645 Courthouse Road Fredericksburg, VA 22401 Full Service B&M $20,706
    Blue Ridge Bank, National Association 10880 General Puller Highway Hartfield, VA 23071 Full Service B&M $25,968
    Blue Ridge Bank, National Association 11450 Robious Road Richmond, VA 23235 Full Service B&M $91,102
    Blue Ridge Bank, National Association 15104 Northumberland Highway Burgess, VA 22432 Full Service B&M $28,353
    Blue Ridge Bank, National Association 15648 Kings Highway Montross, VA 22520 Full Service B&M $45,608
    Blue Ridge Bank, National Association 169 Madison Road Orange, VA 22960 Full Service B&M $56,866
    Blue Ridge Bank, National Association 17 West Main Street Luray, VA 22835 Full Service B&M $488,361
    Blue Ridge Bank, National Association 1703 N Main Street Suffolk, VA 23434 Full Service B&M $72,297
    Blue Ridge Bank, National Association 18 Sandy Street Callao, VA 22435 Full Service B&M $30,529
    Blue Ridge Bank, National Association 1801 Bayberry Court, Suite 101 Richmond, VA 23226 Full Service B&M $36,075
    Blue Ridge Bank, National Association 1807 Seminole Trail Charlottesville, VA 22901 Full Service B&M $108,705
    Blue Ridge Bank, National Association 1965 Wakefield Ave Petersburg, VA 23805 Full Service B&M $61,875
    Blue Ridge Bank, National Association 680 Mckinney Boulevard Colonial Beach, VA 22443 Full Service B&M $2,356
    Blue Ridge Bank, National Association 701 South Main Street Culpeper, VA 22701 Full Service B&M $42,059
    Blue Ridge Bank, National Association 708 Rappahannock Drive White Stone, VA 22578 Full Service B&M $60,822
    Blue Ridge Bank, National Association 900 North Parham Road Henrico, VA 23229 Full Service B&M $84,018
    Blue Ridge Bank, National Association 300 32nd Street, Suite 104 Virginia Beach, VA 23451 Full Service B&M $39,767
    Blue Ridge Bank, National Association 3202 Northline Avenue Greensboro, NC 27408 Full Service B&M $26,588
    Blue Ridge Bank, National Association 3209 Boulevard Colonial Heights, VA 23834 Full Service B&M $81,586
    Blue Ridge Bank, National Association 408 East Main Street Louisa, VA 23093 Full Service B&M $80,996
    Blue Ridge Bank, National Association 430 Mineral Avenue Mineral, VA 23117 Full Service B&M $44,734
    Blue Ridge Bank, National Association 4600 West Hundred Road Chester, VA 23831 Full Service B&M $61,377
    Blue Ridge Bank, National Association 4677 Main Street Drakes Branch, VA 23937 Full Service B&M $22,904
    Blue Ridge Bank, National Association 48 Animal Clinic Road Stuart, VA 24171 Full Service B&M $21,025
    Blue Ridge Bank, National Association 4935 Richmond Road Warsaw, VA 22572 Full Service B&M $36,673
    Blue Ridge Bank, National Association 563 Neff Avenue, Suite B Harrisonburg, VA 22801 Full Service B&M $84,142
    Blue Ridge Bank, National Association 5711 Patterson Avenue Richmond, VA 23226 Full Service B&M $120,362
    Blue Ridge Bank, National Association 600 South Third Street Shenandoah, VA 22849 Full Service B&M $39,143
    Blue Ridge Bank, National Association 100 South Main Street Kilmarnock, VA 22482 Full Service B&M $152,285
    Blue Ridge Bank, National Association 10050 Three Notch Road Troy, VA 22974 Full Service B&M $24,575
    Blue Ridge Bank, National Association 104 South Main Street Gordonsville, VA 22942 Full Service B&M $39,400

    For 2021, Blue Ridge Bank had 32 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $103,406
    Net interest income $94,969
    Total noninterest income $78,340
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,464
    Trading account gains and fees $0
    Additional Noninterest Income $76,876
    Pre-tax net operating income $66,440
    Securities gains (or losses, -) $-144
    Income before extraordinary items $51,219
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $51,219
    Minority interest net income $2
    Net income $51,217
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $51,332

    Blue Ridge Bank's gross interest income from loans was $103,406,000.
    Blue Ridge Bank's net interest income from loans was $94,969,000.
    Blue Ridge Bank's fee based income from loans was $1,464,000.
    Blue Ridge Bank's net income from loans was $51,217,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,437
    Provision for credit losses $117
    Total noninterest expense $106,752
    Salaries and employee benefits $61,082
    Premises and equipment expense $6,497
    Additional noninterest expense $39,173
    Applicable income taxes $15,077
    Net charge-offs $1,823
    Cash dividends $0

    Blue Ridge Bank's interest expense for loans was $8,437,000.
    Blue Ridge Bank's payroll and benefits expense were $61,082,000.
    Blue Ridge Bank's property, plant and equipment expenses $6,497,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 72.3%
    Other individual loans 0.0%
    Auto loans 1.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,301,283
    Deposits held in domestic offices $2,301,283
    Deposits by Individuals, partnerships, and corporations $2,153,072
    Deposits by U.S. Government $44
    Deposits by States and political subdivisions in the U.S. $124,230
    Deposits by Commercial banks and other depository institutions in U.S. $23,937
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,043,774
    Demand deposits $928,538
    Nontransaction accounts $1,257,509
    Money market deposit accounts (MMDAs) $610,331
    Other savings deposits (excluding MMDAs) $147,675
    Total time deposits $499,503
    Total time and savings deposits $1,372,745
    Noninterest-bearing deposits $709,600
    Interest-bearing deposits $1,591,683
    Retail deposits $2,105,766
    IRAs and Keogh plan accounts $49,376
    Brokered deposits $51,541
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,640,347
    Cash & Balances due from depository institutions $128,837
    Interest-bearing balances $119,814
    Total securities $371,459
    Federal funds sold & reverse repurchase $43,903
    Net loans and leases $1,918,764
    Loan and leases loss allowance $12,120
    Trading account assets $0
    Bank premises and fixed assets $35,368
    Other real estate owned $157
    Goodwill and other intangibles $51,037
    All other assets $90,822

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,640,347
    Total Liabilities $2,349,981
    Total deposits $2,301,283
    Interest-bearing deposits $1,591,683
    Deposits held in domestic offices $2,301,283
    % insured (estimated) $66
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $28,012
    Subordinated debt $0
    All other liabilities $20,686

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,918,764
    Loan and leases loss allowance $12,120
    Total loans and leases (domestic) $1,930,884
    All real estate loans $1,523,145
    Real estate loans in domestic offices $1,523,145
    Construction and development loans $205,380
    Residential 1-4 family construction $58,857
    Other construction, all land development and other land $146,523
    Loans secured by nonfarm nonresidential properties $600,250
    Nonfarm nonresidential secured by owner-occupied properties $179,059
    Commercial real estate & other non-farm, non-residential $421,191
    Multifamily residential real estate $101,253
    1-4 family residential loans $610,089
    Farmland loans $6,173
    Loans held in foreign offices $0
    Farm loans $194
    Commercial and industrial loans $320,920
    To non-U.S. addressees $0
    Loans to individuals $57,076
    Credit card loans $47
    Related Plans $274
    Consumer Auto Loans $22,458
    Other loans to individuals $34,297
    All other loans & leases $30,454
    Loans to foreign governments and official institutions $0
    Other loans $15,313
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $215
    Non 1-4 family restructured loans & leases $115
    Total loans and leases (foreign) $0

    Blue Ridge Bank had $1,918,764,000 of loans outstanding in 2021. $1,523,145,000 of loans were in real estate loans. $205,380,000 of loans were in development loans. $101,253,000 of loans were in multifamily mortgage loans. $610,089,000 of loans were in 1-4 family mortgage loans. $194,000 of loans were in farm loans. $47,000 of loans were in credit card loans. $22,458,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 518 $137,026 $264,529
    Nonfarm, nonresidential loans - <$100k 72 $3,553 $49,347
    Nonfarm, nonresidential loans - $100-250k 154 $19,491 $126,565
    Nonfarm, nonresidential loans - $250k-1MM 292 $113,982 $390,349
    Commercial & Industrial, US addressed loans - <$1MM 1,282 $125,134 $97,608
    Commercial & Industrial, US addressed loans - <$100k 656 $20,421 $31,130
    Commercial & Industrial, US addressed loans - $100-250k 353 $34,911 $98,898
    Commercial & Industrial, US addressed loans - $250k-1MM 273 $69,802 $255,685
    Farmland loans - <$1MM 14 $1,506 $107,571
    Farmland loans - <$100k 5 $140 $28,000
    Farmland loans - $100-250k 5 $556 $111,200
    Farmland loans - $250k-1MM 4 $810 $202,500
    Agriculture operations loans - <$1MM 6 $194 $32,333
    Agriculture operations loans - <$100k 5 $86 $17,200
    Agriculture operations loans - $100-250k 1 $108 $108,000