Ameris Bank reported 847 applications for homes in North Carolina in the HMDA data of 2025.
It originated 634 loans in the state in 2025, for $242 million in total.
The median interest rate of these loans in 2025 was 6.500%, and the median of all lenders in North Carolina was 6.250%.
The median total loan costs in 2025 were $6,152, and the state median was $5,696.
It denied 6.0% of the applications that it decided in the state in 2025, and the state denial rate was 22.8%.
Filed figures of Ameris Bank in North Carolina, 2025
Figure
In NC
Lender, all states
NC, all lenders
Applications
847
18,359
486,376
Loans originated
634
13,184
281,159
Median interest rate
6.500%
6.375%
6.250%
Median total loan costs
$6,152
$7,214
$5,696
Denial rate
6.0%
10.5%
22.8%
HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
Pricing medians of Ameris Bank in North Carolina, 2025Each value has the median of all lenders in North Carolina under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in NC
543
6.500%NC 6.250%
$6,152NC $5,696
$2,828NC $2,293
$1,701NC $2,929
$181NC $616
0.251NC 0.065
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 0.251 percentage points above the average prime offer rate. On a loan of $300,000, that is about $753 more a year, or $63 more a month.
The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in North Carolina. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of Ameris Bank were in North Carolina in 2025?
634 of its loans originated, out of 13,184 in all states. That is 4.8%.
In which counties of North Carolina did Ameris Bank originate the most loans in 2025?
The three with the most loans were Mecklenburg County (84), Guilford County (78) and Wake County (41).
Which loan types did Ameris Bank originate in North Carolina in 2025?
500 conventional, 89 FHA, 41 VA and 4 USDA.
How did the applications of Ameris Bank in North Carolina change from 2022 to 2025?
It reported 1,139 applications in 2022 and 847 in 2025.