Lenders › Ameris Bank › Georgia
Ameris Bank in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia 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 Georgia, Ameris Bank reported 8,836 applications and 6,115 originations for 2024, $2.1bn in all.
Its denial rate in the state was 11.7%, below the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 9.8%.
The median rate spread on its Georgia originations was 0.2 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | Ameris Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 11.7% | 26.9% | 9.8% | 24.3% |
| Median rate spread, pp | 0.2 | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 6.8% | 17.5% | 6.5% | 15.6% |
| Average originated loan | $338k | $313k | $336k | $329k |
| Home purchase share | 84.0% | 57.0% | 85.8% | 57.0% |
| FHA-insured share | 11.4% | 18.3% | 12.9% | 13.4% |
| VA-guaranteed share | 6.0% | 11.6% | 7.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 84% (5,136)Home improvement 5% (281)Refinancing 5% (318)Cash-out refinancing 4% (229)Other purpose 2% (151)
By type
Conventional 82% (5,018)FHA 11% (695)VA 6% (366)USDA 1% (36)
Denial reasons as coded
Share of 816 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fulton County | 1,497 | 1,033 | $440m | 8.2% |
| DeKalb County | 961 | 683 | $246m | 9.1% |
| Cobb County | 844 | 624 | $205m | 7.5% |
| Gwinnett County | 863 | 576 | $178m | 12.6% |
| Cherokee County | 397 | 283 | $115m | 8.6% |
| Lowndes County | 280 | 203 | $50m | 10.2% |
| Forsyth County | 271 | 180 | $79m | 15.1% |
| Paulding County | 195 | 150 | $41m | 7.4% |
| Henry County | 221 | 141 | $39m | 12.8% |
| Coweta County | 177 | 134 | $49m | 11.7% |
| Chatham County | 185 | 122 | $44m | 19.7% |
| Hall County | 178 | 114 | $43m | 18.4% |
| Fayette County | 150 | 93 | $37m | 13.0% |
| Jackson County | 111 | 88 | $37m | 9.2% |
| Barrow County | 134 | 84 | $23m | 17.3% |
| Bartow County | 103 | 81 | $18m | 10.9% |
| Columbia County | 112 | 80 | $24m | 7.0% |
| Clayton County | 120 | 78 | $15m | 17.0% |
| Douglas County | 102 | 73 | $20m | 10.8% |
| Richmond County | 70 | 45 | $9.9m | 6.1% |
| Newton County | 62 | 45 | $12m | 4.3% |
| Clarke County | 52 | 44 | $14m | 4.3% |
| Carroll County | 54 | 42 | $12m | 10.4% |
| Dawson County | 56 | 38 | $14m | 13.3% |
| Effingham County | 50 | 34 | $8.2m | 25.0% |
| Glynn County | 47 | 32 | $10m | 22.0% |
| Bryan County | 52 | 31 | $8.4m | 21.4% |
| Lee County | 41 | 31 | $6.0m | 11.4% |
| Rockdale County | 40 | 30 | $7.4m | 11.8% |
| Walton County | 40 | 30 | $9.6m | 3.2% |
| Dougherty County | 51 | 28 | $3.8m | 20.0% |
| Colquitt County | 41 | 28 | $4.0m | 20.0% |
| Oconee County | 39 | 28 | $18m | 9.7% |
| Spalding County | 36 | 26 | $5.5m | 7.1% |
| Liberty County | 42 | 25 | $6.7m | 21.9% |
| Lumpkin County | 37 | 25 | $11m | 10.3% |
| Floyd County | 37 | 25 | $7.1m | 0.0% |
| Jasper County | 36 | 25 | $5.3m | 13.3% |
| Houston County | 36 | 25 | $7.0m | 16.7% |
| Laurens County | 30 | 24 | $6.3m | 10.7% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Ameris Bank originate in Georgia in 2024?
6,115 loans totalling $2.1bn, from 8,836 applications reported for properties in Georgia.
What is Ameris Bank's denial rate in Georgia?
11.7% of decided applications in Georgia were denied, against 26.9% 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 Georgia counties does Ameris Bank lend in most?
By originations: Fulton County (1,033), DeKalb County (683), Cobb County (624), Gwinnett County (576), Cherokee County (283).
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 Georgia. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.