Ameris Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Ameris Bank 2008 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Ameris Bank 300 South Main Street Atlanta, GA 31768 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 2,457 |
| Total Mortgage Loan Application Amount | $260,759,000 |
| Average Mortgage Loan Application Amount | $89,333 |
| Highest Mortgage Loan Application Amount | $3,136,000 |
| Average Applicant Income | $144,000 |
| Highest Applicant Income | $8,889,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with Ameris Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Ameris Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down Ameris Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Ameris Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Ameris Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Ameris Bank's mortgage activity for 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Colquitt County Georgia | 200 | $ 13,834,000 | $ 69,000 | $ 106,000 |
| Houston County Alabama | 170 | $ 17,004,000 | $ 100,000 | $ 141,000 |
| Coffee County Georgia | 150 | $ 5,856,000 | $ 39,000 | $ 80,000 |
| Dougherty County Georgia | 135 | $ 16,401,000 | $ 121,000 | $ 744,000 |
| Glynn County Georgia | 131 | $ 24,780,000 | $ 189,000 | $ 200,000 |
| Grady County Georgia | 116 | $ 5,570,000 | $ 48,000 | $ 56,000 |
| Tift County Georgia | 112 | $ 6,820,000 | $ 60,000 | $ 184,000 |
| Crisp County Georgia | 97 | $ 8,605,000 | $ 88,000 | $ 232,000 |
| Lowndes County Georgia | 85 | $ 10,823,000 | $ 127,000 | $ 110,000 |
| Thomas County Georgia | 83 | $ 6,681,000 | $ 80,000 | $ 114,000 |
| Seminole County Georgia | 81 | $ 3,198,000 | $ 39,000 | $ 44,000 |
| Lee County Georgia | 79 | $ 10,656,000 | $ 134,000 | $ 596,000 |
| Beaufort County South Carolina | 78 | $ 22,442,000 | $ 287,000 | $ 164,000 |
| Henry County Alabama | 64 | $ 3,660,000 | $ 57,000 | $ 173,000 |
| Gilchrist County Florida | 59 | $ 5,315,000 | $ 90,000 | $ 55,000 |
| Brooks County Georgia | 59 | $ 2,886,000 | $ 48,000 | $ 65,000 |
| Irwin County Georgia | 59 | $ 2,612,000 | $ 44,000 | $ 53,000 |
| Camden County Georgia | 56 | $ 9,630,000 | $ 171,000 | $ 386,000 |
| Miller County Georgia | 56 | $ 2,553,000 | $ 45,000 | $ 53,000 |
| Barbour County Alabama | 47 | $ 2,955,000 | $ 62,000 | $ 69,000 |
| Clay County Florida | 39 | $ 7,848,000 | $ 201,000 | $ 120,000 |
| Wakulla County Florida | 37 | $ 3,477,000 | $ 93,000 | $ 118,000 |
| Duval County Florida | 35 | $ 5,764,000 | $ 164,000 | $ 351,000 |
| Charleston County South Carolina | 25 | $ 8,171,000 | $ 326,000 | $ 102,000 |
| Leon County Florida | 23 | $ 5,101,000 | $ 221,000 | $ 635,000 |
| Decatur County Georgia | 20 | $ 900,000 | $ 45,000 | $ 57,000 |
| Worth County Georgia | 19 | $ 849,000 | $ 44,000 | $ 68,000 |
| Dixie County Florida | 15 | $ 1,197,000 | $ 79,000 | $ 49,000 |
| Levy County Florida | 14 | $ 1,970,000 | $ 140,000 | $ 58,000 |
| Geneva County Alabama | 12 | $ 721,000 | $ 60,000 | $ 75,000 |
| Early County Georgia | 12 | $ 533,000 | $ 44,000 | $ 58,000 |
| Dale County Alabama | 11 | $ 1,401,000 | $ 127,000 | $ 103,000 |
| Richland County South Carolina | 11 | $ 2,351,000 | $ 213,000 | $ 140,000 |
| Alachua County Florida | 10 | $ 1,454,000 | $ 145,000 | $ 47,000 |
| Ben Hill County Georgia | 10 | $ 250,000 | $ 25,000 | $ 52,000 |
| Sumter County Georgia | 10 | $ 512,000 | $ 51,000 | $ 575,000 |
| Cook County Georgia | 9 | $ 593,000 | $ 65,000 | $ 57,000 |
| Turner County Georgia | 9 | $ 589,000 | $ 65,000 | $ 89,000 |
| Franklin County Florida | 8 | $ 1,429,000 | $ 178,000 | $ 92,000 |
| Berrien County Georgia | 8 | $ 489,000 | $ 61,000 | $ 45,000 |
| Wayne County Georgia | 8 | $ 686,000 | $ 85,000 | $ 63,000 |
| Coffee County Alabama | 7 | $ 659,000 | $ 94,000 | $ 180,000 |
| Lanier County Georgia | 7 | $ 1,425,000 | $ 203,000 | $ 125,000 |
| Quitman County Georgia | 7 | $ 236,000 | $ 33,000 | $ 48,000 |
| Wilcox County Georgia | 7 | $ 627,000 | $ 89,000 | $ 69,000 |
| Nassau County Florida | 6 | $ 2,057,000 | $ 342,000 | $ 224,000 |
| Mitchell County Georgia | 6 | $ 130,000 | $ 21,000 | $ 46,000 |
| Dorchester County South Carolina | 6 | $ 668,000 | $ 111,000 | $ 155,000 |
| Greenville County South Carolina | 6 | $ 622,000 | $ 103,000 | $ 102,000 |
| Lexington County South Carolina | 6 | $ 1,159,000 | $ 193,000 | $ 267,000 |
| Newberry County South Carolina | 6 | $ 588,000 | $ 98,000 | $ 928,000 |
| Bay County Florida | 5 | $ 969,000 | $ 193,000 | $ 529,000 |
| Charlton County Georgia | 5 | $ 486,000 | $ 97,000 | $ 67,000 |
| McIntosh County Georgia | 5 | $ 950,000 | $ 190,000 | $ 53,000 |
| Berkeley County South Carolina | 5 | $ 1,443,000 | $ 288,000 | $ 169,000 |
| Hampton County South Carolina | 5 | $ 309,000 | $ 61,000 | $ 63,000 |
| Columbia County Florida | 4 | $ 570,000 | $ 142,000 | $ 36,000 |
| Jackson County Florida | 4 | $ 702,000 | $ 175,000 | $ 48,000 |
| Suwannee County Florida | 4 | $ 583,000 | $ 145,000 | $ 76,000 |
| Walton County Florida | 4 | $ 4,549,000 | $ 1,137,000 | $ 370,000 |
| Dooly County Georgia | 4 | $ 158,000 | $ 39,000 | $ 38,000 |
| Terrell County Georgia | 4 | $ 265,000 | $ 66,000 | $ 130,000 |
| Baker County Florida | 3 | $ 347,000 | $ 115,000 | $ 49,000 |
| Jefferson County Florida | 3 | $ 290,000 | $ 96,000 | $ 185,000 |
| St. Johns County Florida | 3 | $ 690,000 | $ 230,000 | $ 125,000 |
| Brantley County Georgia | 3 | $ 110,000 | $ 36,000 | $ 32,000 |
| Cobb County Georgia | 3 | $ 536,000 | $ 178,000 | $ 84,000 |
| DeKalb County Georgia | 3 | $ 520,000 | $ 173,000 | $ 1,140,000 |
| Macon County Georgia | 3 | $ 31,000 | $ 10,000 | $ 60,000 |
| Ware County Georgia | 3 | $ 71,000 | $ 23,000 | $ 38,000 |
| Bradford County Florida | 2 | $ 340,000 | $ 170,000 | $ 50,000 |
| Gadsden County Florida | 2 | $ 124,000 | $ 62,000 | $ 134,000 |
| Sumter County Florida | 2 | $ 937,000 | $ 468,000 | $ 228,000 |
| Atkinson County Georgia | 2 | $ 112,000 | $ 56,000 | $ 38,000 |
| Bibb County Georgia | 2 | $ 51,000 | $ 25,000 | $ 342,000 |
| Clay County Georgia | 2 | $ 19,000 | $ 9,000 | $ 24,000 |
| Jeff Davis County Georgia | 2 | $ 27,000 | $ 13,000 | $ 39,000 |
| Murray County Georgia | 2 | $ 331,000 | $ 165,000 | $ 201,000 |
| Pierce County Georgia | 2 | $ 389,000 | $ 194,000 | $ 36,000 |
| Mecklenburg County North Carolina | 2 | $ 622,000 | $ 311,000 | $ 134,000 |
| Horry County South Carolina | 2 | $ 404,000 | $ 202,000 | $ 199,000 |
| Baldwin County Alabama | 1 | $ 56,000 | $ 56,000 | $ 103,000 |
| New London County Connecticut | 1 | $ 436,000 | $ 436,000 | $ 82,000 |
| Tolland County Connecticut | 1 | $ 310,000 | $ 310,000 | $ 67,000 |
| District of Columbia County District Of Columbia | 1 | $ 372,000 | $ 372,000 | $ 18,000 |
| Hillsborough County Florida | 1 | $ 168,000 | $ 168,000 | $ 68,000 |
| Lee County Florida | 1 | $ 42,000 | $ 42,000 | $ 66,000 |
| Manatee County Florida | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Marion County Florida | 1 | $ 503,000 | $ 503,000 | $ 53,000 |
| Miami-Dade County Florida | 1 | $ 344,000 | $ 344,000 | $ 96,000 |
| Okaloosa County Florida | 1 | $ 253,000 | $ 253,000 | $ 326,000 |
| Orange County Florida | 1 | $ 59,000 | $ 59,000 | $ 138,000 |
| Palm Beach County Florida | 1 | $ 47,000 | $ 47,000 | $ 71,000 |
| Pinellas County Florida | 1 | $ 219,000 | $ 219,000 | $ 0 |
| Volusia County Florida | 1 | $ 100,000 | $ 100,000 | $ 12,000 |
| Baker County Georgia | 1 | $ 150,000 | $ 150,000 | $ 14,000 |
| Baldwin County Georgia | 1 | $ 60,000 | $ 60,000 | $ 31,000 |
| Calhoun County Georgia | 1 | $ 8,000 | $ 8,000 | $ 11,000 |
| Clarke County Georgia | 1 | $ 199,000 | $ 199,000 | $ 71,000 |
| Columbia County Georgia | 1 | $ 250,000 | $ 250,000 | $ 261,000 |
| Dodge County Georgia | 1 | $ 34,000 | $ 34,000 | $ 36,000 |
| Echols County Georgia | 1 | $ 44,000 | $ 44,000 | $ 90,000 |
| Fulton County Georgia | 1 | $ 61,000 | $ 61,000 | $ 61,000 |
| Jenkins County Georgia | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Liberty County Georgia | 1 | $ 769,000 | $ 769,000 | $ 300,000 |
| Paulding County Georgia | 1 | $ 143,000 | $ 143,000 | $ 33,000 |
| Tattnall County Georgia | 1 | $ 20,000 | $ 20,000 | $ 28,000 |
| Toombs County Georgia | 1 | $ 58,000 | $ 58,000 | $ 50,000 |
| DuPage County Illinois | 1 | $ 275,000 | $ 275,000 | $ 169,000 |
| Nassau County New York | 1 | $ 388,000 | $ 388,000 | $ 291,000 |
| Clark County Ohio | 1 | $ 401,000 | $ 401,000 | $ 103,000 |
| Chester County Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 275,000 |
| Anderson County South Carolina | 1 | $ 174,000 | $ 174,000 | $ 161,000 |
| Georgetown County South Carolina | 1 | $ 350,000 | $ 350,000 | $ 101,000 |
| Laurens County South Carolina | 1 | $ 58,000 | $ 58,000 | $ 113,000 |
| Fort Bend County Texas | 1 | $ 167,000 | $ 167,000 | $ 820,000 |
| Spokane County Washington | 1 | $ 185,000 | $ 185,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for Ameris Bank in 2008
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,537 | $175,691,000 | $114,000 | $3,136,000 | $232,000 | $8,889,000 |
| Home Purchase | 598 | $75,803,000 | $126,000 | $1,327,000 | $118,000 | $3,088,000 |
| Home Improvement | 322 | $9,265,000 | $28,000 | $412,000 | $82,000 | $7,342,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,784 | $181,044,000 | $101,000 | $2,266,000 | $109,000 | $5,500,000 |
| Black or African American | 283 | $17,671,000 | $62,000 | $417,000 | $57,000 | $820,000 |
| Not applicable | 277 | $47,542,000 | $171,000 | $3,136,000 | $849,000 | $8,889,000 |
| Hispanic | 55 | $4,551,000 | $82,000 | $797,000 | $48,000 | $215,000 |
| Not Provided | 32 | $4,778,000 | $149,000 | $452,000 | $65,000 | $135,000 |
| Asian | 13 | $3,492,000 | $268,000 | $1,499,000 | $147,000 | $398,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,553,000 | $141,000 | $372,000 | $78,000 | $190,000 |
| American Indian or Alaskan Native | 2 | $128,000 | $64,000 | $76,000 | $36,000 | $61,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,294 | $239,865,000 | $104,000 | $3,136,000 | $195,000 | $8,889,000 |
| FHA-insured (Federal Housing Administration) | 140 | $17,965,000 | $128,000 | $303,000 | $43,000 | $129,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,209,000 | $138,000 | $300,000 | $47,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $720,000 | $102,000 | $148,000 | $31,000 | $56,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,966 | $183,529,000 | $93,000 | $3,136,000 | $213,000 | $8,889,000 |
| Application Denied By Financial Institution | 274 | $36,886,000 | $134,000 | $815,000 | $66,000 | $820,000 |
| Application Withdrawn By Applicant | 205 | $37,699,000 | $183,000 | $1,200,000 | $79,000 | $946,000 |
| File Closed For Incompleteness | 10 | $2,543,000 | $254,000 | $750,000 | $137,000 | $369,000 |
| Application Approved But Not Accepted | 2 | $102,000 | $51,000 | $80,000 | $49,000 | $80,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 133 | $14,507,000 | $109,000 | $417,000 | $47,000 | $373,000 |
| Debt-To-Income Ratio | 86 | $13,335,000 | $155,000 | $815,000 | $55,000 | $249,000 |
| Other | 26 | $3,793,000 | $145,000 | $719,000 | $147,000 | $423,000 |
| Collateral | 19 | $3,429,000 | $180,000 | $368,000 | $105,000 | $290,000 |
| Unverifiable Information | 4 | $948,000 | $237,000 | $417,000 | $105,000 | $189,000 |
| Employment History | 3 | $364,000 | $121,000 | $219,000 | $18,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $343,000 | $171,000 | $196,000 | $45,000 | $49,000 |
| Credit Application Incomplete | 1 | $167,000 | $167,000 | $167,000 | $820,000 | $820,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ameris Bank's 2008 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Ameris Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.