Ameris Bank in Georgia vs the state
10.1%Denial rate-9.09 pts vs state
12.6%Decision denial rate-12.50 pts vs state
69.8%Origination rate+15.68 pts vs state
6.50%Median rate-0.13 pts vs state
0.13Rate spread (pts)-0.14 pts vs state
$119kMedian applicant income
5,627Loans originated
817Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8,566 | 5,970 | 9.4% | 6.63% | #7 |
| 2024 | 8,836 | 6,115 | 9.2% | 6.63% | #7 |
| 2025 | 8,065 | 5,627 | 10.1% | 6.50% | #10 |
What Ameris Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Ameris Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 1,299 | 895 | 106 | 8.2% |
| DeKalb County | 837 | 595 | 53 | 6.3% |
| Cobb County | 816 | 582 | 62 | 7.6% |
| Gwinnett County | 778 | 536 | 83 | 10.7% |
| Cherokee County | 301 | 221 | 23 | 7.6% |
| Henry County | 245 | 154 | 39 | 15.9% |
| Lowndes County | 221 | 162 | 20 | 9.0% |
| Forsyth County | 219 | 159 | 15 | 6.8% |
| Chatham County | 189 | 109 | 39 | 20.6% |
| Hall County | 173 | 125 | 20 | 11.6% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Newrez | D | 7,880 | 21.5% | 6.63% |
Frequently asked questions
Georgia: 8,065 applications in 2025, of which 5,627 were originated and 817 denied.
10.1% of all applications, or 12.6% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Ameris Bank originated in Georgia 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology