Blue Ridge Bank in North Carolina vs the state
11.5%Denial rate-6.52 pts vs state
15.4%Decision denial rate-7.44 pts vs state
62.5%Origination rate+4.69 pts vs state
6.63%Median rate+0.13 pts vs state
0.51Rate spread (pts)+0.42 pts vs state
$68kMedian applicant income
65Loans originated
12Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 453 | 360 | 7.5% | 6.63% | #123 |
| 2024 | 458 | 323 | 7.9% | 6.63% | #133 |
| 2025 | 104 | 65 | 11.5% | 6.63% | #319 |
What Blue Ridge Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Blue Ridge Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 14 | 9 | 0 | 0.0% |
| Cumberland County | 9 | 2 | 1 | 11.1% |
| Guilford County | 8 | 6 | 2 | 25.0% |
| Durham County | 7 | 4 | 0 | 0.0% |
| Scotland County | 7 | 4 | 2 | 28.6% |
| Columbus County | 5 | 5 | 0 | 0.0% |
| Gaston County | 5 | 3 | 0 | 0.0% |
| Forsyth County | 5 | 3 | 1 | 20.0% |
| Alamance County | 3 | 3 | 0 | 0.0% |
| Pender County | 3 | 1 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 104 applications in 2025, of which 65 were originated and 12 denied.
11.5% of all applications, or 15.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Blue Ridge Bank originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Blue Ridge Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology