Blue Ridge Bank in Virginia vs the state
4.2%Denial rate-11.77 pts vs state
5.1%Decision denial rate-15.17 pts vs state
77.8%Origination rate+18.26 pts vs state
6.63%Median rate0.00 pts vs state
0.36Rate spread (pts)+0.14 pts vs state
$87kMedian applicant income
56Loans originated
3Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 424 | 334 | 6.8% | 6.63% | #116 |
| 2024 | 347 | 239 | 9.5% | 6.63% | #137 |
| 2025 | 72 | 56 | 4.2% | 6.63% | #322 |
What Blue Ridge Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Blue Ridge Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Henry County | 16 | 11 | 1 | 6.3% |
| Martinsville city | 6 | 5 | 1 | 16.7% |
| Frederick County | 5 | 5 | 0 | 0.0% |
| Lancaster County | 4 | 1 | 0 | 0.0% |
| Virginia Beach city | 3 | 3 | 0 | 0.0% |
| Northumberland County | 3 | 2 | 0 | 0.0% |
| Page County | 3 | 3 | 0 | 0.0% |
| Albemarle County | 3 | 3 | 0 | 0.0% |
| Loudoun County | 2 | 2 | 0 | 0.0% |
| Shenandoah County | 2 | 1 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 72 applications in 2025, of which 56 were originated and 3 denied.
4.2% of all applications, or 5.1% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Blue Ridge Bank originated in Virginia in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Blue Ridge Bank's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology