Ameris Bank in Virginia vs the state
4.8%Denial rate-11.15 pts vs state
5.8%Decision denial rate-14.44 pts vs state
77.0%Origination rate+17.50 pts vs state
6.38%Median rate-0.25 pts vs state
-0.04Rate spread (pts)-0.26 pts vs state
$136kMedian applicant income
724Loans originated
45Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 999 | 756 | 2.5% | 6.49% | #65 |
| 2024 | 1,313 | 1,032 | 2.7% | 6.50% | #56 |
| 2025 | 940 | 724 | 4.8% | 6.38% | #81 |
What Ameris Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Ameris Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 147 | 114 | 8 | 5.4% |
| Loudoun County | 134 | 96 | 8 | 6.0% |
| Prince William County | 74 | 57 | 3 | 4.1% |
| James City County | 57 | 44 | 1 | 1.8% |
| Chesterfield County | 52 | 34 | 5 | 9.6% |
| Spotsylvania County | 35 | 32 | 0 | 0.0% |
| Henrico County | 33 | 27 | 2 | 6.1% |
| York County | 31 | 25 | 0 | 0.0% |
| Newport News city | 26 | 23 | 0 | 0.0% |
| Alexandria city | 26 | 21 | 3 | 11.5% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 940 applications in 2025, of which 724 were originated and 45 denied.
4.8% of all applications, or 5.8% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Ameris Bank originated in Virginia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Ameris Bank's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology