Lender in Alabama · HMDA 2025
Ameris Bank mortgages in Alabama
Ameris Bank's 2025 home-purchase and refinance lending in Alabama, compared with all lenders in the state.
Ameris Bank originated 321 owner-occupied single-family loans in Alabama from 337 completed applications.
Its median conventional purchase loan costs were $4,710 versus $4,370 for all Alabama lenders, at a median 30-year fixed rate of 6.50% (Alabama: 6.562%).
Loans in AL
321
of 337 applications
Denial rate
3.0%
Purchase · AL 9.1%
Rate spread
+0.12 pts
Conv. · AL +0.17 pts
Loan amount
$245,000
Purchase · AL $265,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 265 | 255 | 3.0% | 6.500% | +0.12 pts | $4,710 | $245,000 |
| Refinance | 39 | 37 | 5.1% | 6.490% | +0.06 pts | $5,360 | $255,000 |
| Cash-out refinance | 33 | 29 | 12.1% | — | — | — | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Alabama counties where Ameris Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Calhoun County | 1 | 132 | 9.7% |
| Chambers County | 5 | 15 | 4.5% |
| Barbour County | 9 | 5 | 3.1% |
| Talladega County | 11 | 16 | 1.9% |
| Cleburne County | 21 | 2 | 1.5% |
| Walker County | 25 | 6 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology