Ameris Bank in South Carolina vs the state
7.8%Denial rate-10.55 pts vs state
9.4%Decision denial rate-14.05 pts vs state
73.9%Origination rate+17.32 pts vs state
6.49%Median rate-0.01 pts vs state
0.17Rate spread (pts)-0.05 pts vs state
$105kMedian applicant income
1,857Loans originated
195Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,424 | 1,751 | 7.5% | 6.75% | #19 |
| 2024 | 2,542 | 1,892 | 6.3% | 6.63% | #23 |
| 2025 | 2,512 | 1,857 | 7.8% | 6.49% | #22 |
What Ameris Bank lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Ameris Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richland County | 362 | 273 | 26 | 7.2% |
| Lexington County | 303 | 243 | 13 | 4.3% |
| Charleston County | 302 | 216 | 26 | 8.6% |
| Horry County | 220 | 151 | 10 | 4.5% |
| Berkeley County | 197 | 151 | 17 | 8.6% |
| Beaufort County | 160 | 114 | 13 | 8.1% |
| Greenville County | 130 | 87 | 15 | 11.5% |
| Dorchester County | 128 | 87 | 13 | 10.2% |
| Aiken County | 113 | 87 | 6 | 5.3% |
| Laurens County | 65 | 56 | 4 | 6.2% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 2,512 applications in 2025, of which 1,857 were originated and 195 denied.
7.8% of all applications, or 9.4% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Ameris Bank originated in South Carolina in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Ameris Bank's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology