Lender profile · HMDA 2023–2025
Ameris Bank mortgage approval rates & lending data
Ameris Bank decided 36,471 mortgage applications and funded 33,238 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 27,125 / 28,455 | 99% | $345K | 26,969 |
| Home improvement loans | 57% | 1,111 / 1,947 | 95% | $115K | 1,058 |
| Cash-out refinance | 78% | 1,171 / 1,492 | 98% | $315K | 1,153 |
| Refinance | 87% | 1,725 / 1,973 | 98% | $405K | 1,693 |
| Investment property purchase | 95% | 1,919 / 2,012 | 98% | $275K | 1,887 |
| Investment cash-out refinance | 81% | 345 / 428 | 99% | $215K | 342 |
| Investment refinance | 85% | 123 / 145 | 98% | $305K | 121 |
Ameris Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 92% | $355K | 15,108 | 13,705 |
| Florida | 88% | $285K | 5,704 | 4,949 |
| South Carolina | 93% | $285K | 5,121 | 4,715 |
| Virginia | 96% | $405K | 1,947 | 1,852 |
| Maryland | 90% | $335K | 1,792 | 1,601 |
| North Carolina | 95% | $285K | 1,576 | 1,499 |
| California | 97% | $615K | 1,261 | 1,204 |
| Tennessee | 95% | $345K | 1,154 | 1,098 |
| Alabama | 94% | $205K | 896 | 836 |
| Illinois | 95% | $335K | 416 | 389 |
| Hawaii | 96% | $605K | 289 | 273 |
| Texas | 93% | $355K | 254 | 234 |
| District of Columbia | 91% | $315K | 104 | 94 |
| Missouri | 96% | $275K | 103 | 98 |
| Utah | 98% | $495K | 90 | 87 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.