A purchase lender in one metro
Purchases made up 72.3% of its loans. Its lending sits in one metro and five counties. Similar lenders here are lenders of the same type making between a quarter and four times as many loans.
Applications / Mortgage Analytics / Lenders / South Carolina / Blue Ridge Bank
Blue Ridge Bank
Walhalla, SC · Depository institution · FDIC · 47 loans in 2025
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47
loans originated, 2025
64
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Blue Ridge Bank is a young South Carolina lender: it first reported in 2024, made 47 loans in 2025 and holds 0.2% of the Greenville-Anderson-Greer market.
Bigger loans than its peers
Its typical loan was $255,000, against $155,000 at similar lenders, higher than about two-thirds of them. All its loans were conventional, as were its peers'.
Growing, but slowly
It made 47 loans, up from 44 in 2024, while similar lenders grew by 31% and the whole market by 10%. Its share of Greenville-Anderson-Greer held at 0.2%, ranking it 130 of 589 lenders.
Few loans in minority neighborhoods
Neighborhoods where most residents belong to minority groups took 4.3% of its loans, against 18.4% at similar lenders. Its lending is confined to a few counties, so their makeup may account for the gap; on 47 loans a handful of loans moves the figure. In low- and moderate-income neighborhoods it matches its peers, at 10.6% against 10.5%.
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2024–2025
47 loans in 2025, its most in any year since 2024.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Blue Ridge Bank took 64 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
72.3% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 72.3% · Refinance 17.0% · Other 8.5% · Home improvement 2.1%
Conventional 100.0% · of 47 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
1 state, 1 metro, 5 counties
| State | Loans | Share |
|---|---|---|
| South Carolina | 47 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Greenville-Anderson-Greer | 34 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900MEACXG754NSF70 | 2024–2025 |
Established date not on record. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Blue Ridge Bank's data.
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