Lender in North Carolina · HMDA 2025
Ameris Bank mortgages in North Carolina
Ameris Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Ameris Bank originated 499 owner-occupied single-family loans in North Carolina from 523 completed applications.
Its median conventional purchase loan costs were $5,480 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
499
of 523 applications
Denial rate
3.6%
Purchase · NC 7.6%
Rate spread
+0.23 pts
Conv. · NC +0.04 pts
Loan amount
$305,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 442 | 424 | 3.6% | 6.625% | +0.23 pts | $5,480 | $305,000 |
| Refinance | 36 | 36 | 0.0% | 6.375% | −0.12 pts | $4,390 | $475,000 |
| Cash-out refinance | 45 | 39 | 13.3% | 6.875% | +0.26 pts | $5,460 | $365,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Ameris Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Randolph County | 16 | 28 | 1.6% |
| Transylvania County | 16 | 6 | 2.0% |
| Clay County | 19 | 2 | 1.5% |
| Guilford County | 23 | 68 | 1.0% |
| Rowan County | 24 | 21 | 0.9% |
| Orange County | 24 | 12 | 0.8% |
| Watauga County | 24 | 4 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology