Purchase Originations
108
Median Total Costs
$7,141
+6.9% vs national ($6,680)
↑ $487 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,917
Median Lender Credits
$48
Denial Rate
11.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 54 | 6.625% | $6,042 | $3,154 |
| fha | 40 | 6.500% | $8,995 | $3,008 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 61 | 6.625% | $6,729 | #187 |
| Virginia | 35 | 6.500% | $7,127 | — |
| Maryland | 6 | 6.500% | $11,416 | — |
| South Carolina | 3 | 6.625% | $3,672 | — |
| Florida | 1 | 7.625% | $9,805 | — |
| Kentucky | 1 | 7.125% | $3,697 | — |
| Washington | 1 | 6.625% | $7,640 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,953 | 6.625% | — | 3 | −$1,188 | |
| 2 | $6,143 | 6.812% | — | 4 | −$998 | |
| 3 | $6,281 | 6.500% | — | 5 | −$860 | |
| 4 | $6,386 | 7.625% | — | 2 | −$755 | |
| 5 | $6,453 | 6.500% | — | 2 | −$688 | |
| 6 | $6,601 | 6.625% | — | 3 | −$540 | |
| 7 | $6,697 | 6.625% | — | 2 | −$444 | |
| 8 | $6,712 | 6.812% | — | 8 | −$429 | |
| 9 | $6,729 | 6.625% | — | 3 | −$412 | |
| 10 | $7,176 | 6.500% | — | 2 | +$35 | |
| 11 | $7,181 | 6.750% | — | 4 | +$40 | |
| 12 | $7,355 | 6.000% | — | 5 | +$214 | |
| 13 | $8,465 | 6.625% | — | 4 | +$1,324 | |
| 14 | $8,783 | 6.625% | — | 2 | +$1,642 | |
| 15 | $8,999 | 6.625% | — | 3 | +$1,858 | |
| 16 | $9,039 | 6.375% | — | 9 | +$1,898 | |
| 17 | $10,126 | 6.500% | — | 2 | +$2,985 | |
| 18 | $10,690 | 6.500% | — | 2 | +$3,549 | |
| 19 | $11,154 | 6.438% | — | 2 | +$4,013 | |
| 20 | $14,239 | 6.500% | — | 2 | +$7,098 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Blue Ridge Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $7,141 | $7,127 | +$14 (+0.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.