Lender in Georgia · HMDA 2025
Ameris Bank mortgages in Georgia
Ameris Bank's 2025 home-purchase and refinance lending in Georgia, compared with all lenders in the state.
Ameris Bank originated 4,039 owner-occupied single-family loans in Georgia from 4,320 completed applications, making it the state's #3 lender by volume.
Its median conventional purchase loan costs were $6,940 versus $6,350 for all Georgia lenders, at a median 30-year fixed rate of 6.49% (Georgia: 6.624%).
Loans in GA
4,039
of 4,320 applications
Denial rate
4.2%
Purchase · GA 9.9%
Rate spread
+0.11 pts
Conv. · GA +0.13 pts
Loan amount
$365,000
Purchase · GA $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 3,670 | 3,499 | 4.2% | 6.490% | +0.11 pts | $6,940 | $365,000 |
| Refinance | 359 | 316 | 10.3% | 6.490% | +0.01 pts | $5,610 | $445,000 |
| Cash-out refinance | 291 | 224 | 22.7% | 6.625% | +0.33 pts | $6,180 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Georgia counties where Ameris Bank ranks in the top 25
Showing the 30 counties where it ranks highest, of 96.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lowndes County | 2 | 137 | 7.6% |
| Colquitt County | 2 | 19 | 6.9% |
| Johnson County | 2 | 4 | 7.5% |
| Fulton County | 3 | 663 | 4.8% |
| DeKalb County | 3 | 432 | 4.7% |
| Cobb County | 3 | 421 | 3.9% |
| Gwinnett County | 3 | 365 | 2.9% |
| Cherokee County | 3 | 172 | 3.3% |
| Laurens County | 3 | 23 | 5.6% |
| Hancock County | 3 | 2 | 7.7% |
| Lumpkin County | 4 | 23 | 4.6% |
| Berrien County | 4 | 16 | 8.9% |
| Brooks County | 4 | 11 | 8.8% |
| Marion County | 4 | 3 | 5.5% |
| Forsyth County | 5 | 134 | 2.6% |
| Fayette County | 5 | 65 | 3.5% |
| Lanier County | 5 | 14 | 7.7% |
| Lincoln County | 5 | 5 | 4.6% |
| Coweta County | 6 | 93 | 3.4% |
| Hall County | 6 | 90 | 2.9% |
| Oconee County | 6 | 29 | 4.5% |
| Pike County | 6 | 11 | 3.5% |
| Meriwether County | 6 | 10 | 3.4% |
| Cook County | 6 | 5 | 3.5% |
| Sumter County | 6 | 5 | 3.2% |
| Paulding County | 7 | 79 | 2.1% |
| Jackson County | 7 | 62 | 2.9% |
| Dougherty County | 7 | 20 | 3.5% |
| Putnam County | 7 | 13 | 4.2% |
| Haralson County | 7 | 12 | 2.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology