Applications / Mortgage Analytics / Lenders / Virginia / Blue Ridge Bank
Martinsville, VA · National bank · OCC · $2.4 billion assets · 135 loans in 2025
Blue Ridge Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
135
loans originated, 2025
201
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Blue Ridge Bank's mortgage lending has shrunk to a sliver of what it was: it made 135 loans in 2025, against 5,028 in 2021.
Its count fell 84% in 2025, while similar lenders (national banks making between half and twice as many loans) grew 6% and the whole market 10%. No peer fell further. Its lending has shrunk every year since 2021, and its dollar total fell from $215.8 million to $39.9 million. The figures do not say why; the bank may have chosen to scale back a business that had reached 8 states.
FHA loans (insured by the Federal Housing Administration) made up 30.4% of its lending and VA loans (guaranteed by the Department of Veterans Affairs) 7.4%. At the typical peer each was 0.0%. Home purchases were 90.4% of its loans.
Borrowers with low and moderate incomes took 46.4% of its loans, against 25.0% at peers, more than at about nineteen in twenty of them. Majority-minority neighborhoods took 31.9%, against 7.2%. Its government-backed mix fits that pattern.
Its share fell in Raleigh-Cary, NC and Greensboro-High Point, NC, and in Florence, SC it went from 0.3% to 0.1%. Its own much smaller volume would account for that.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Blue Ridge Bank took 201 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 90.4% · Refinance 8.9% · Home improvement 0.7%
Conventional 59.3% · FHA 30.4% · VA 7.4% · USDA (RHS or FSA) 3.0% · of 135 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Carolina | 65 | 48.1% |
| Virginia | 56 | 41.5% |
| Maryland | 7 | 5.2% |
| South Carolina | 3 | 2.2% |
| Delaware | 1 | 0.7% |
| Florida | 1 | 0.7% |
| Kentucky | 1 | 0.7% |
| Washington | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Raleigh-Cary | 11 |
| Greensboro-High Point | 9 |
| Arlington-Alexandria-Reston | 8 |
| Winchester | 6 |
| Wilmington | 5 |
| Winston-Salem | 5 |
| Charlotte-Concord-Gastonia | 4 |
| Charlottesville | 4 |
| Durham-Chapel Hill | 4 |
| Frederick-Gaithersburg-Bethesda | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007WZXR2YE227I23 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 233527 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 123903 | 2016–2017 |
Established 24 July 2000. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Blue Ridge Bank's data.
Blue Ridge Bank's data
$215
Blue Ridge Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Blue Ridge Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]