Lender in Virginia · HMDA 2025
Ameris Bank mortgages in Virginia
Ameris Bank's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Ameris Bank originated 616 owner-occupied single-family loans in Virginia from 654 completed applications.
Its median conventional purchase loan costs were $6,540 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.49% (Virginia: 6.625%).
Loans in VA
616
of 654 applications
Denial rate
5.3%
Purchase · VA 6.9%
Rate spread
+0.03 pts
Conv. · VA +0.10 pts
Loan amount
$425,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 602 | 568 | 5.3% | 6.490% | +0.03 pts | $6,540 | $425,000 |
| Refinance | 36 | 33 | 8.3% | — | −0.26 pts | $4,440 | $475,000 |
| Cash-out refinance | 16 | 15 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Ameris Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Fredericksburg city | 6 | 12 | 3.9% |
| Falls Church city | 9 | 5 | 2.7% |
| Williamsburg city | 10 | 4 | 3.6% |
| James City County | 11 | 37 | 2.7% |
| York County | 14 | 24 | 2.2% |
| Manassas city | 19 | 6 | 1.3% |
| Charles City County | 19 | 2 | 2.1% |
| Loudoun County | 22 | 86 | 1.2% |
| Westmoreland County | 22 | 6 | 1.3% |
| Spotsylvania County | 23 | 27 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology