Blue Ridge Bank Mortgage Rates, Fees & Info
Martinsville, VALEI: 5493007WZXR2YE227I23
Tax ID: 54-1997265
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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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.89% | 11/17/24 |
| 30 Year Conventional Refi | 6.79% | 11/17/24 |
| 30 Year Cash-out Refi | 7.04% | 11/17/24 |
| 30 Year FHA Purchase | 7.51% | 11/17/24 |
| 30 Year FHA Refi | 7.18% | 11/17/24 |
| 30 Year VA Purchase | 6.41% | 11/17/24 |
| 30 Year VA Refi | 6.15% | 11/17/24 |
| 30 Year USDA Purchase | 6.91% | 11/17/24 |
| 15 Year Conventional Purchase | 6.44% | 11/17/24 |
| 15 Year Conventional Refi | 6.43% | 11/17/24 |
| 15 Year Cash-out Refi | 6.43% | 11/17/24 |
| 15 Year FHA Purchase | 5.68% | 11/17/24 |
| 15 Year FHA Refi | 7.12% | 11/17/24 |
| 15 Year VA Purchase | 5.68% | 11/17/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
5,028Origination Dollar Volume (All Markets)
$1,311,970,000Employee count
527Awards
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Blue Ridge Bank - 2021
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For 2021, less than of lenders were eligible for this award.
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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% |
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Product Mix
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
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
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
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
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
2021 saw Blue Ridge Bank place emphasis on $200k-400k loans with 2,179 originations, totaling $608,595,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications92.16%
Blue Ridge Bank has an average approval rate.
Pick Rate
Approvals leading to origination92.14%
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
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 | 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 |
| 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 | 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 | 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 |
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 |