Ameris Bank mortgage approval rate & lending review
Ameris Bank decided 36,471 mortgage applications and funded 33,238 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Ameris Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Ameris Bank at a glance
Approval is 7.3 points above the 84.7% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Ameris Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fulton County, GA | Mortgage lenders | 97% | 2,394 | 2,309 |
| DeKalb County, GA | Mortgage lenders | 97% | 1,606 | 1,547 |
| Gwinnett County, GA | Mortgage lenders | 96% | 1,531 | 1,452 |
| Cobb County, GA | Mortgage lenders | 97% | 1,406 | 1,355 |
| Duval County, FL | Mortgage lenders | 88% | 1,057 | 931 |
| Richland County, SC | Mortgage lenders | 93% | 783 | 725 |
| St. Johns County, FL | Mortgage lenders | 94% | 665 | 621 |
| Cherokee County, GA | Mortgage lenders | 98% | 601 | 586 |
| Lexington County, SC | Mortgage lenders | 97% | 567 | 548 |
| Charleston County, SC | Mortgage lenders | 98% | 510 | 499 |
| Berkeley County, SC | Mortgage lenders | 96% | 471 | 453 |
| Lowndes County, GA | Mortgage lenders | 97% | 469 | 451 |
The county markets where Ameris Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Ameris Bank
What is Ameris Bank's mortgage approval rate?
Ameris Bank approved 91.9% of the 36,471 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.3 points above the 84.7% national rate for the same mix of loan types.
How often do borrowers take the loan Ameris Bank offers?
Borrowers accepted 99% of the loans Ameris Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Ameris Bank make?
The typical home purchase mortgage loan Ameris Bank made was $345K; across all loan types its typical loan ran from $115K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Ameris Bank lend?
Ameris Bank decided applications in 44 of the states Fat Boy Data covers, most of them in Georgia, Florida and South Carolina.
Can I apply to Ameris Bank directly?
Yes. Ameris Bank is a bank or credit union with 169 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Ameris Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Ameris Bank treats applications, then get a rate quote from the lender.