We analyzed every closed loan from Blue Ridge Bank — 756 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Multi-Region · 14 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
USDA
Superstar
Summary
What They Do Well
- Particularly strong in FHA and VA and USDA loans
Explore another lender or local market
Report Card
Blue Ridge Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+33.5 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
412 loans · 0.33% above market
Sound
Top 60% of lenders
3/5
FHA
228 loans · 0.52% above market
Strong
Top 40% of lenders
4/5
VA
70 loans · 0.21% below market
Strong
Top 40% of lenders
4/5
USDA
44 loans · 0.29% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
670 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
Refinance
86 loans · 0.33% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 15 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 412 | 54.5% | +0.329%Above | $2,593Fees | ||||
FHA Loans | 228 | 30.2% | +0.524%Above | $2,300Fees | ||||
VA Loans | 70 | 9.3% | -0.215%Below | $2,302Fees | ||||
USDA Loans | 44 | 5.8% | +0.286%Above | $2,200Fees |
Conventional
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume412
Mix54.5%
Spread
+0.329%Above
Fees
$2,593Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume228
Mix30.2%
Spread
+0.524%Above
Fees
$2,300Fees
VA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume70
Mix9.3%
Spread
-0.215%Below
Fees
$2,302Fees
USDA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume44
Mix5.8%
Spread
+0.286%Above
Fees
$2,200Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 670 | 88.6% | +0.336%Above | $2,450Fees | ||||
Refinance | 86 | 11.4% | +0.328%Above | $2,516Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume670
Mix88.6%
Spread
+0.336%Above
Fees
$2,450Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume86
Mix11.4%
Spread
+0.328%Above
Fees
$2,516Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
756
Applications
1,077
Volume
$204 million
Pricing & Closing
Avg Rate Spread
+0.335%
vs. market APOR
Avg Net Fees
$2,458
Origination − Credits
Pullthrough Rate
70.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$269,907
Avg Borrower Income
$135,533
Avg Property Value
$342,791
Geographic Coverage
Geographic Performance
Metro Areas
14
markets with activity
States Served
24
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
24Full-year 2024 · HMDALoans originated
< 1010–2020–5050+None
Northeast4
CTNJNYPA
Midwest4
ILINOHWI
South13
DEFLGAKYMDMSNCOKSCTNTXVAWV
West3
AZCONV
Top Metro Areas by Place Specialization Score
Showing 10 of 14 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.