Ameris Bank in Alabama vs the state
4.9%Denial rate-14.98 pts vs state
5.7%Decision denial rate-19.34 pts vs state
80.3%Origination rate+24.92 pts vs state
6.25%Median rate-0.25 pts vs state
0.21Rate spread (pts)-0.07 pts vs state
$94kMedian applicant income
363Loans originated
22Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 555 | 416 | 8.3% | 6.63% | #65 |
| 2024 | 523 | 419 | 6.1% | 6.50% | #72 |
| 2025 | 452 | 363 | 4.9% | 6.25% | #89 |
What Ameris Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Ameris Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Calhoun County | 144 | 134 | 2 | 1.4% |
| Jefferson County | 57 | 42 | 3 | 5.3% |
| Houston County | 43 | 25 | 5 | 11.6% |
| Chambers County | 22 | 16 | 0 | 0.0% |
| Shelby County | 19 | 17 | 0 | 0.0% |
| Lee County | 19 | 14 | 2 | 10.5% |
| Talladega County | 18 | 16 | 1 | 5.6% |
| Cullman County | 12 | 9 | 2 | 16.7% |
| Etowah County | 12 | 12 | 0 | 0.0% |
| Baldwin County | 12 | 11 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 452 applications in 2025, of which 363 were originated and 22 denied.
4.9% of all applications, or 5.7% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Ameris Bank originated in Alabama in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Ameris Bank's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology