Blue Ridge Bank, National Association
Blue Ridge Bank, National Association received 199 applications in 2025 and made 135 mortgages, in 81 counties across 13 states. The median rate its borrowers got was 6.625% on a median loan of $245,000. Of 154 decisions, 18 were denials — 11.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493007WZXR2YE227I23 |
|---|---|
| Applications received | 199 |
| Mortgages made | 135 |
| Denied | 18 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 45 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.392 points |
| FDIC-insured bank | Yes: Blue Ridge Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 122 | 6.625% | $245,000 | 12.8% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where Blue Ridge Bank, National Association lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Henry County, VA | 11 | 6.500% | 8.3% |
| Wake County, NC | 9 | Under 10 loans | 0.0% |
| Guilford County, NC | 6 | Under 10 loans | 25.0% |
| Columbus County, NC | 5 | Under 10 loans | 0.0% |
| Frederick County, VA | 5 | Under 10 loans | 0.0% |
| Martinsville city, VA | 5 | Under 10 loans | 16.7% |
| Durham County, NC | 4 | Under 10 loans | 0.0% |
| Scotland County, NC | 4 | Under 10 loans | 33.3% |
| Alamance County, NC | 3 | Under 10 loans | 0.0% |
| Forsyth County, NC | 3 | Under 10 loans | 25.0% |
| Gaston County, NC | 3 | Under 10 loans | 0.0% |
| Onslow County, NC | 3 | Under 10 loans | 0.0% |
| Albemarle County, VA | 3 | Under 10 loans | 0.0% |
| Page County, VA | 3 | Under 10 loans | 0.0% |
| Virginia Beach city, VA | 3 | Under 10 loans | 0.0% |
| Frederick County, MD | 2 | Under 10 loans | 0.0% |
| Montgomery County, MD | 2 | Under 10 loans | 0.0% |
| Prince George's County, MD | 2 | Under 10 loans | 33.3% |
| Brunswick County, NC | 2 | Under 10 loans | 0.0% |
| Cumberland County, NC | 2 | Under 10 loans | 25.0% |
| Davidson County, NC | 2 | Under 10 loans | 0.0% |
| Johnston County, NC | 2 | Under 10 loans | 0.0% |
| New Hanover County, NC | 2 | Under 10 loans | 33.3% |
| Robeson County, NC | 2 | Under 10 loans | 0.0% |
| Rockingham County, NC | 2 | Under 10 loans | 0.0% |
| Surry County, NC | 2 | Under 10 loans | 0.0% |
| Loudoun County, VA | 2 | Under 10 loans | 0.0% |
| Northumberland County, VA | 2 | Under 10 loans | 0.0% |
| Rockingham County, VA | 2 | Under 10 loans | 0.0% |
| Sussex County, DE | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Caldwell County, KY | 1 | Under 10 loans | 0.0% |
| Baltimore County, MD | 1 | Under 10 loans | 0.0% |
| Bladen County, NC | 1 | Under 10 loans | 50.0% |
| Dare County, NC | 1 | Under 10 loans | 0.0% |
| Duplin County, NC | 1 | Under 10 loans | 0.0% |
| Harnett County, NC | 1 | Under 10 loans | 0.0% |
| Hoke County, NC | 1 | Under 10 loans | 0.0% |
| Lenoir County, NC | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Pender County, NC | 1 | Under 10 loans | 0.0% |
| Randolph County, NC | 1 | Under 10 loans | 0.0% |
| Darlington County, SC | 1 | Under 10 loans | 0.0% |
| Florence County, SC | 1 | Under 10 loans | 0.0% |
| Marlboro County, SC | 1 | Under 10 loans | 0.0% |
| Chesterfield County, VA | 1 | Under 10 loans | 0.0% |
| Fairfax County, VA | 1 | Under 10 loans | 0.0% |
| Fauquier County, VA | 1 | Under 10 loans | 0.0% |
| Greene County, VA | 1 | Under 10 loans | 0.0% |
| Lancaster County, VA | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.