Blue Ridge Bank Mortgage Rates, Fees & Info

Martinsville, VA

LEI: 5493007WZXR2YE227I23

Tax ID: 54-1997265

5 stars - Updated: 4/5/25 - out of 5 stars, based on 29 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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, Martinsville, Raleigh, and Charlotte among others. We have data for 109 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 a low 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 7.06% 4/5/25
30 Year Conventional Refi 7.02% 4/5/25
30 Year Cash-out Refi 7.07% 4/5/25
30 Year FHA Purchase 7.29% 4/5/25
30 Year FHA Refi 6.96% 4/5/25
30 Year VA Purchase 6.61% 4/5/25
30 Year VA Refi 6.05% 4/5/25
30 Year USDA Purchase 6.99% 4/5/25
15 Year Conventional Purchase 6.45% 4/5/25
15 Year Conventional Refi 6.85% 4/5/25
15 Year Cash-out Refi 6.85% 4/5/25
15 Year FHA Purchase 7.45% 4/5/25
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

819

Origination Dollar Volume (All Markets)

$215,805,000

Awards

Blue Ridge Bank 30 Year Conventional Loans bronze Blue Ridge Bank FHA Loans gold Blue Ridge Bank 30 Year Conventional Loans gold Blue Ridge Bank USDA Loans gold
Show all (4) awards

Relative Rate

Blue Ridge Bank's average 30 year fixed mortgage rate was 6.65%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 0.1%.

Relative Fees (Closing Costs)

Blue Ridge Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $7,217.

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 $8,356.

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 135 $32,155,000 $238,185 $7,352 6.79%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 38 $17,850,000 $469,737 $6,545 6.58%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 42 $16,950,000 $403,571 $8,377 6.97%
Martinsville, VA (FHA|USDA|VA) 59 $11,945,000 $202,458 $7,348 6.44%
RALEIGH-CARY, NC (FHA|USDA|VA) 32 $8,660,000 $270,625 $7,514 6.72%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 34 $8,600,000 $252,941 $5,778 6.77%
WINSTON-SALEM, NC (FHA|USDA|VA) 36 $8,300,000 $230,556 $7,134 6.84%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 26 $7,680,000 $295,385 $7,220 6.68%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 24 $7,170,000 $298,750 $10,122 6.99%
WILMINGTON, NC (FHA|USDA|VA) 17 $5,555,000 $326,765 $9,309 6.86%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 27 $5,505,000 $203,889 $7,026 6.55%
OKLAHOMA CITY, OK (FHA|USDA|VA) 16 $5,490,000 $343,125 $8,511 6.53%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 20 $4,850,000 $242,500 $7,065 6.47%
BURLINGTON, NC (FHA|USDA|VA) 17 $4,195,000 $246,765 $6,682 6.57%
RICHMOND, VA (FHA|USDA|VA) 11 $2,955,000 $268,636 $7,068 6.77%
Laurinburg, NC (FHA|USDA|VA) 17 $2,865,000 $168,529 $6,969 6.65%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 12 $2,630,000 $219,167 $6,184 6.71%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 7 $2,605,000 $372,143 $6,439 6.73%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 7 $2,555,000 $365,000 $7,983 6.80%
FAYETTEVILLE, NC (FHA|USDA|VA) 11 $2,415,000 $219,545 $7,469 6.56%
WILLIAMSPORT, PA (FHA|USDA|VA) 12 $2,390,000 $199,167 $7,004 6.55%
HARRISONBURG, VA (FHA|USDA|VA) 6 $2,130,000 $355,000 $5,301 7.17%
Richmond, IN (FHA|USDA|VA) 11 $1,805,000 $164,091 $5,762 6.19%
FLORENCE, SC (FHA|USDA|VA) 9 $1,705,000 $189,444 $4,576 6.89%
FORT WAYNE, IN (FHA|USDA|VA) 8 $1,690,000 $211,250 $6,362 6.44%
COLUMBIA, SC (FHA|USDA|VA) 7 $1,685,000 $240,714 $5,703 6.39%
Danville, VA (FHA|USDA|VA) 7 $1,615,000 $230,714 $6,247 6.71%
LYNCHBURG, VA (FHA|USDA|VA) 6 $1,550,000 $258,333 $8,143 6.60%
ROANOKE, VA (FHA|USDA|VA) 5 $1,545,000 $309,000 $11,615 6.50%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 4 $1,500,000 $375,000 $13,128 6.34%
JACKSONVILLE, NC (FHA|USDA|VA) 6 $1,320,000 $220,000 $8,825 6.31%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $1,215,000 $405,000 $6,552 6.29%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $1,180,000 $590,000 $9,730 6.88%
TALLAHASSEE, FL (FHA|USDA|VA) 5 $1,145,000 $229,000 $7,363 6.18%
Douglas, GA (FHA|USDA|VA) 7 $1,095,000 $156,429 $7,357 6.86%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $1,075,000 $358,333 $6,935 6.92%
Lumberton, NC (FHA|USDA|VA) 6 $1,010,000 $168,333 $6,189 6.60%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 6 $1,000,000 $166,667 $4,934 6.64%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $995,000 $331,667 $8,823 6.54%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $910,000 $455,000 $4,414 7.13%
WINCHESTER, VA-WV (FHA|USDA|VA) 3 $905,000 $301,667 $10,556 6.25%
Mount Airy, NC (FHA|USDA|VA) 4 $830,000 $207,500 $5,973 6.75%
Greensburg, IN (FHA|USDA|VA) 5 $825,000 $165,000 $5,022 6.37%
Shelby, NC (FHA|USDA|VA) 3 $715,000 $238,333 $3,743 6.92%
Lock Haven, PA (FHA|USDA|VA) 4 $710,000 $177,500 $7,476 6.31%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $700,000 $350,000 $4,705 6.75%
SPARTANBURG, SC (FHA|USDA|VA) 4 $690,000 $172,500 $4,590 6.93%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $665,000 $665,000 $9,479 6.00%
Seymour, IN (FHA|USDA|VA) 4 $660,000 $165,000 $5,885 6.53%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $650,000 $325,000 $6,801 7.00%
Brevard, NC (FHA|USDA|VA) 1 $645,000 $645,000 $5,284 7.13%
LOUISVILLE, KY (FHA|USDA|VA) 4 $630,000 $157,500 $5,756 6.53%
COLUMBUS, OH (FHA|USDA|VA) 1 $605,000 $605,000 $5,044 6.88%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $595,000 $595,000 $8,002 6.88%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $595,000 $198,333 $6,455 6.33%
READING, PA (FHA|USDA|VA) 2 $590,000 $295,000 $5,775 7.44%
Findlay, OH (FHA|USDA|VA) 2 $570,000 $285,000 $6,544 6.50%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $560,000 $280,000 $10,782 6.56%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $540,000 $270,000 $6,374 6.75%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $485,000 $485,000 $9,045 7.25%
TUCSON, AZ (FHA|USDA|VA) 2 $470,000 $235,000 $5,501 6.75%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $470,000 $235,000 $5,515 5.94%
STAUNTON, VA (FHA|USDA|VA) 2 $460,000 $230,000 $6,598 7.13%
SAVANNAH, GA (FHA|USDA|VA) 1 $455,000 $455,000 $7,232 6.88%
Morehead City, NC (FHA|USDA|VA) 1 $425,000 $425,000 $14,670 6.13%
ASHEVILLE, NC (FHA|USDA|VA) 1 $405,000 $405,000 $3,545 6.12%
Bluefield, WV-VA (FHA|USDA|VA) 3 $395,000 $131,667 $6,375 6.54%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $385,000 $385,000 $11,914 5.75%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $385,000 $385,000 $7,923 5.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $375,000 $375,000 $6,596 6.63%
Forest City, NC (FHA|USDA|VA) 1 $375,000 $375,000 $7,957 7.63%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $375,000 $375,000 $12,287 7.13%
DuBois, PA (FHA|USDA|VA) 2 $340,000 $170,000 $7,642 6.38%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $335,000 $335,000 $10,537 6.63%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $305,000 $305,000 $9,730 6.88%
LANCASTER, PA (FHA|USDA|VA) 1 $305,000 $305,000 $4,895 6.63%
Shelbyville, TN (FHA|USDA|VA) 1 $305,000 $305,000 $11,259 6.63%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $305,000 $305,000 $0 9.40%
COLUMBUS, IN (FHA|USDA|VA) 2 $290,000 $145,000 $6,021 7.13%
Warsaw, IN (FHA|USDA|VA) 2 $290,000 $145,000 $5,011 6.56%
Thomasville, GA (FHA|USDA|VA) 1 $285,000 $285,000 $9,432 6.13%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $280,000 $140,000 $6,504 6.56%
Cornelia, GA (FHA|USDA|VA) 1 $255,000 $255,000 $10,529 6.63%
Seneca, SC (FHA|USDA|VA) 1 $255,000 $255,000 $4,256 6.88%
Stillwater, OK (FHA|USDA|VA) 1 $245,000 $245,000 $11,045 6.49%
Bedford, IN (FHA|USDA|VA) 1 $245,000 $245,000 $3,609 6.13%
BECKLEY, WV (FHA|USDA|VA) 2 $240,000 $120,000 $5,938 6.38%
GREENVILLE, NC (FHA|USDA|VA) 1 $235,000 $235,000 $12,172 7.13%
PEORIA, IL (FHA|USDA|VA) 1 $235,000 $235,000 $5,327 6.50%
OCALA, FL (FHA|USDA|VA) 1 $225,000 $225,000 $4,924 6.00%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $225,000 $225,000 $4,573 6.99%
PITTSBURGH, PA (FHA|USDA|VA) 2 $220,000 $110,000 $4,580 6.19%
Roanoke Rapids, NC (FHA|USDA|VA) 2 $210,000 $105,000 $6,184 7.31%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $6,957 6.49%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $195,000 $195,000 $3,117 6.38%
Wilson, NC (FHA|USDA|VA) 1 $195,000 $195,000 $5,753 6.88%
Vidalia, GA (FHA|USDA|VA) 1 $195,000 $195,000 $6,639 6.00%
Big Stone Gap, VA (FHA|USDA|VA) 2 $190,000 $95,000 $5,231 6.44%
Kinston, NC (FHA|USDA|VA) 1 $185,000 $185,000 $9,008 6.88%
Tiffin, OH (FHA|USDA|VA) 1 $175,000 $175,000 $4,510 6.63%
Tupelo, MS (FHA|USDA|VA) 1 $165,000 $165,000 $5,753 6.13%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $8,866 6.38%
Gaffney, SC (FHA|USDA|VA) 1 $145,000 $145,000 $3,403 6.75%
Waycross, GA (FHA|USDA|VA) 1 $135,000 $135,000 $7,294 6.63%
Dublin, GA (FHA|USDA|VA) 1 $135,000 $135,000 $6,205 7.38%
ROCKFORD, IL (FHA|USDA|VA) 1 $135,000 $135,000 $5,734 6.50%
Sayre, PA (FHA|USDA|VA) 1 $135,000 $135,000 $7,501 6.99%
Marion, IN (FHA|USDA|VA) 1 $105,000 $105,000 $3,634 6.13%
Washington, NC (FHA|USDA|VA) 1 $85,000 $85,000 $5,584 6.25%
Blue Ridge Bank's top markets include Washington, Virginia Beach, Martinsville, Raleigh, and Charlotte among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 439 $126,785,000 $288,804 $6,001 6.87%
    FHA 260 $55,240,000 $212,462 $9,055 6.47%
    VA 74 $25,360,000 $342,703 $7,973 6.49%
    USDA 46 $8,420,000 $183,043 $6,758 6.37%

    For 2024, Blue Ridge Bank's most frequently originated type of loan was Conventional, with 439 originations. Their 2nd most popular type was FHA, with 260 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 719 $193,015,000 $268,449 $7,355 6.67%
    Cash Out Refi 59 $11,705,000 $198,390 $5,724 6.78%
    Refi 40 $10,870,000 $271,750 $6,740 6.66%
    Home Improvement 1 $215,000 $215,000 $3,732 6.99%

    For 2024, Blue Ridge Bank's most frequently cited loan purpose was Home Purchase, with 719 originations. The 2nd most popular reason was Cash Out Refi, with 59 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 786 $205,020,000 $260,840 $7,217 6.65%
    30+ year 14 $6,450,000 $460,714 $7,947 8.22%
    15 Year 12 $2,830,000 $235,833 $5,642 6.35%
    Other 4 $940,000 $235,000 $6,759 6.54%
    20 Year 1 $305,000 $305,000 $0 9.40%
    10 Year 1 $165,000 $165,000 $0 9.00%
    5 Year 1 $95,000 $95,000 $0 7.62%

    For 2024, Blue Ridge Bank's most frequently cited loan duration was 30 Year, with 786 originations. The 2nd most popular length was 30+ year, with 14 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 337 $82,665,000 $245,297
    $2k-3k 154 $35,590,000 $231,104
    $3k-4k 141 $33,225,000 $235,638
    $5k+ 103 $38,535,000 $374,126
    $4k-5k 61 $18,585,000 $304,672
    $<1k 12 $4,220,000 $351,667

    Blue Ridge Bank's average total fees were $7,217, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 337 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 551 $135,835,000 $246,525
    7-8% 161 $50,955,000 $316,491
    5-6% 86 $20,810,000 $241,977
    Over 8% 20 $7,930,000 $396,500
    4-5% 1 $275,000 $275,000

    During 2024, Blue Ridge Bank's average interest rate for loans was 6.65%, while their most frequently originated rate bucket for loans was 6-7%, with 551 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 351 $95,925,000 $273,291 $8,026 6.68%
    $100k-200k 299 $45,785,000 $153,127 $5,974 6.61%
    $400k-600k 90 $42,550,000 $472,778 $8,178 6.92%
    $100,000 or less 40 $3,100,000 $77,500 $4,349 6.53%
    $600k-1MM 36 $24,640,000 $684,444 $10,277 6.83%
    $1MM+ 3 $3,805,000 $1,268,333 $6,779 7.08%

    2024 saw Blue Ridge Bank place emphasis on $200k-400k loans with 351 originations, totaling $95,925,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 226 $43,450,000 $192,257 $6,923 6.53%
    $75k-100k 167 $42,205,000 $252,725 $7,496 6.68%
    $100k-150k 146 $48,130,000 $329,658 $7,659 6.79%
    $50k or less 128 $17,260,000 $134,844 $5,790 6.47%
    $150k-250k 96 $37,950,000 $395,313 $8,081 6.97%
    $250k+ 49 $25,045,000 $511,122 $8,348 7.08%

    Blue Ridge Bank lent most frequently to those with incomes in the $50k-75k range, with 226 originations. The second most popular income band? $75k-100k, with 167 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 137 $29,805,000 $217,555 $5,979 6.71%
    20-30% 88 $23,480,000 $266,818 $6,279 6.61%
    49% 59 $17,995,000 $305,000 $7,343 6.65%
    50-60% 55 $15,565,000 $283,000 $10,193 6.46%
    42% 46 $13,390,000 $291,087 $8,533 6.86%
    41% 46 $12,670,000 $275,435 $7,707 6.66%
    44% 45 $11,565,000 $257,000 $7,596 6.68%
    39% 39 $10,265,000 $263,205 $7,515 6.61%
    43% 35 $8,745,000 $249,857 $8,100 6.67%
    40% 33 $7,485,000 $226,818 $6,369 6.63%
    48% 33 $10,225,000 $309,848 $7,601 6.80%
    47% 32 $8,100,000 $253,125 $6,560 6.63%
    <20% 31 $8,175,000 $263,710 $5,790 6.80%
    45% 30 $8,420,000 $280,667 $7,768 6.83%
    38% 29 $7,115,000 $245,345 $7,912 6.55%
    36% 28 $6,750,000 $241,071 $6,203 6.60%
    46% 24 $7,940,000 $330,833 $7,220 6.78%
    37% 22 $6,500,000 $295,455 $7,394 6.89%

    Blue Ridge Bank lent most frequently to those with DTI ratios of 30-36%, with 137 originations. The next most common DTI ratio? 20-30%, with 88 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 556 $140,660,000 $252,986 $6,869 6.71%
    Black 152 $38,710,000 $254,671 $8,370 6.62%
    Asian 55 $22,055,000 $401,000 $7,234 6.61%
    Not provided 39 $10,275,000 $263,462 $7,532 6.60%
    American Indian 11 $1,995,000 $181,364 $7,282 6.62%
    Native Hawaiian or Islander 2 $900,000 $450,000 $5,149 6.44%
    Not applicable 3 $835,000 $278,333 $0 7.59%
    Asian Indian 1 $375,000 $375,000 $0 7.99%

    Approval Rates

    Total approvals of all applications
    90.44%

    Blue Ridge Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.63%

    Blue Ridge Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 819 $215,805,000 $263,498

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    819 $215,805,000 $263,498

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 35 $6,025,000 $172,143 $4,798 6.82%
    40-60% 64 $17,280,000 $270,000 $5,226 6.86%
    60-80% 177 $48,265,000 $272,684 $6,517 6.90%
    80-100% 531 $141,315,000 $266,130 $7,725 6.58%
    Over 100% 10 $2,780,000 $278,000 $12,569 6.52%
    Under 20% 2 $140,000 $70,000 $1,636 6.94%