Ameris Bank in Florida vs the state
11.5%Denial rate-9.59 pts vs state
14.2%Decision denial rate-13.05 pts vs state
68.6%Origination rate+15.86 pts vs state
6.50%Median rate-0.13 pts vs state
0.14Rate spread (pts)-0.13 pts vs state
$120kMedian applicant income
1,846Loans originated
309Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,951 | 1,930 | 10.5% | 6.88% | #63 |
| 2024 | 3,070 | 2,085 | 11.6% | 6.63% | #62 |
| 2025 | 2,693 | 1,846 | 11.5% | 6.50% | #76 |
What Ameris Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Ameris Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 562 | 374 | 73 | 13.0% |
| St. Johns County | 477 | 335 | 48 | 10.1% |
| Alachua County | 209 | 144 | 11 | 5.3% |
| Leon County | 146 | 110 | 14 | 9.6% |
| Volusia County | 144 | 106 | 16 | 11.1% |
| Flagler County | 112 | 76 | 10 | 8.9% |
| Marion County | 93 | 58 | 15 | 16.1% |
| Clay County | 87 | 53 | 13 | 14.9% |
| Bay County | 68 | 44 | 11 | 16.2% |
| Santa Rosa County | 68 | 53 | 5 | 7.4% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 2,693 applications in 2025, of which 1,846 were originated and 309 denied.
11.5% of all applications, or 14.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Ameris Bank originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Ameris Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology