Ameris Bank in California vs the state
3.2%Denial rate-14.19 pts vs state
3.7%Decision denial rate-18.67 pts vs state
82.3%Origination rate+26.11 pts vs state
6.13%Median rate-0.50 pts vs state
-0.11Rate spread (pts)-0.38 pts vs state
$188kMedian applicant income
484Loans originated
19Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 384 | 293 | 2.9% | 6.75% | #257 |
| 2024 | 558 | 462 | 1.6% | 6.63% | #229 |
| 2025 | 588 | 484 | 3.2% | 6.13% | #239 |
What Ameris Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Ameris Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 73 | 63 | 2 | 2.7% |
| Los Angeles County | 56 | 43 | 2 | 3.6% |
| Sonoma County | 54 | 52 | 0 | 0.0% |
| Alameda County | 47 | 38 | 1 | 2.1% |
| Sacramento County | 42 | 36 | 1 | 2.4% |
| San Francisco County | 36 | 31 | 2 | 5.6% |
| Santa Clara County | 31 | 25 | 2 | 6.5% |
| Orange County | 27 | 21 | 0 | 0.0% |
| Contra Costa County | 25 | 23 | 0 | 0.0% |
| San Mateo County | 23 | 19 | 1 | 4.3% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 588 applications in 2025, of which 484 were originated and 19 denied.
3.2% of all applications, or 3.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Ameris Bank originated in California in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Ameris Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology