Lenders › Ameris Bank › Florida
Ameris Bank in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used 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. Cells under 25 applications are withheld.
In Florida, Ameris Bank reported 3,070 applications and 2,085 originations for 2024, $688m in all.
Its denial rate in the state was 14.4%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 9.8%.
The median rate spread on its Florida originations was 0.2 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Ameris Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 14.4% | 29.0% | 9.8% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 11.0% | 16.4% | 6.5% | 15.6% |
| Average originated loan | $330k | $359k | $336k | $329k |
| Home purchase share | 84.5% | 62.9% | 85.8% | 57.0% |
| FHA-insured share | 14.4% | 17.7% | 12.9% | 13.4% |
| VA-guaranteed share | 9.3% | 9.5% | 7.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 85% (1,762)Home improvement 4% (76)Refinancing 5% (94)Cash-out refinancing 5% (110)Other purpose 2% (43)
By type
Conventional 76% (1,576)FHA 14% (300)VA 9% (193)USDA 1% (16)
Denial reasons as coded
Share of 356 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Duval County | 787 | 530 | $139m | 15.3% |
| St. Johns County | 443 | 297 | $135m | 15.5% |
| Alachua County | 214 | 156 | $51m | 9.7% |
| Volusia County | 202 | 135 | $48m | 12.8% |
| Leon County | 144 | 106 | $29m | 11.5% |
| Flagler County | 131 | 93 | $33m | 14.4% |
| Marion County | 106 | 84 | $20m | 8.5% |
| Clay County | 81 | 64 | $20m | 8.6% |
| Escambia County | 78 | 56 | $18m | 11.1% |
| Wakulla County | 49 | 39 | $7.8m | 2.5% |
| Putnam County | 71 | 38 | $8.9m | 30.9% |
| Orange County | 46 | 33 | $14m | 18.6% |
| Pasco County | 51 | 32 | $15m | 15.4% |
| Santa Rosa County | 41 | 32 | $11m | 5.9% |
| Bay County | 54 | 29 | $8.0m | 27.5% |
| Okaloosa County | 36 | 24 | $7.1m | 14.3% |
| Nassau County | 34 | 22 | $8.6m | 11.5% |
| Manatee County | 38 | 21 | $8.0m | 30.0% |
| Lee County | 25 | 19 | $7.7m | — |
| Citrus County | 26 | 17 | $9.9m | — |
| Hillsborough County | 30 | 15 | $5.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Ameris Bank originate in Florida in 2024?
2,085 loans totalling $688m, from 3,070 applications reported for properties in Florida.
What is Ameris Bank's denial rate in Florida?
14.4% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 9.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Ameris Bank lend in most?
By originations: Duval County (530), St. Johns County (297), Alachua County (156), Volusia County (135), Leon County (106).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.