Blue Ridge Bank, National Association mortgage approval rate & lending review
Blue Ridge Bank, National Association decided 1,156 mortgage applications and funded 1,023 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Blue Ridge Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Blue Ridge Bank, National Association at a glance
Approval is 5.2 points above the 85.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 862 / 937 | 98% | $255K | 842 |
| Cash-out refinance | 81% | 72 / 89 | 93% | $175K | 67 |
| Refinance | 87% | 27 / 31 | 96% | $215K | 26 |
| Investment property purchase | 91% | 74 / 81 | 99% | $215K | 73 |
Blue Ridge Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Carolina | 91% | $245K | 554 | 491 |
| Virginia | 92% | $435K | 179 | 160 |
| South Carolina | 95% | $235K | 102 | 95 |
| Pennsylvania | 84% | $165K | 62 | 50 |
| Indiana | 86% | $205K | 57 | 48 |
| Maryland | 90% | $415K | 49 | 42 |
| Florida | 91% | $265K | 34 | 30 |
| Georgia | 96% | $385K | 28 | 26 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Blue Ridge Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Forsyth County, NC | Mortgage lenders | 95% | 41 | 39 |
| Alamance County, NC | Mortgage lenders | 92% | 26 | 23 |
| Lycoming County, PA | Mortgage lenders | 88% | 24 | 21 |
The county markets where Blue Ridge Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Blue Ridge Bank, National Association
What is Blue Ridge Bank, National Association's mortgage approval rate?
Blue Ridge Bank, National Association approved 90.8% of the 1,156 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.2 points above the 85.6% national rate for the same mix of loan types.
How often do borrowers take the loan Blue Ridge Bank, National Association offers?
Borrowers accepted 97% of the loans Blue Ridge Bank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Blue Ridge Bank, National Association make?
The typical home purchase mortgage loan Blue Ridge Bank, National Association made was $255K; across all loan types its typical loan ran from $175K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Blue Ridge Bank, National Association lend?
Blue Ridge Bank, National Association decided applications in 34 of the states Fat Boy Data covers, most of them in North Carolina, Virginia and South Carolina.
Can I apply to Blue Ridge Bank, National Association directly?
Yes. Blue Ridge Bank, National Association is a bank or credit union with 33 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Blue Ridge Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Blue Ridge Bank, National Association treats applications, then get a rate quote from the lender.