Ameris Bank in Tennessee vs the state
3.2%Denial rate-13.94 pts vs state
4.4%Decision denial rate-17.32 pts vs state
70.1%Origination rate+12.03 pts vs state
6.50%Median rate-0.12 pts vs state
0.11Rate spread (pts)-0.12 pts vs state
$118kMedian applicant income
394Loans originated
18Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 635 | 427 | 3.8% | 6.63% | #89 |
| 2024 | 708 | 484 | 5.1% | 6.63% | #80 |
| 2025 | 562 | 394 | 3.2% | 6.50% | #104 |
What Ameris Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Ameris Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 203 | 133 | 6 | 3.0% |
| Rutherford County | 64 | 47 | 3 | 4.7% |
| Sumner County | 60 | 42 | 0 | 0.0% |
| Wilson County | 46 | 34 | 1 | 2.2% |
| Williamson County | 34 | 26 | 2 | 5.9% |
| Knox County | 16 | 14 | 0 | 0.0% |
| Montgomery County | 14 | 9 | 0 | 0.0% |
| Maury County | 14 | 10 | 0 | 0.0% |
| Robertson County | 13 | 8 | 0 | 0.0% |
| Cheatham County | 11 | 8 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 562 applications in 2025, of which 394 were originated and 18 denied.
3.2% of all applications, or 4.4% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Ameris Bank originated in Tennessee in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are Ameris Bank's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology