Ameris Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Ameris Bank 2012 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 | 3,543 |
| Total Mortgage Loan Application Amount | $496,120,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $3,618,000 |
| Average Applicant Income | $69,666 |
| Highest Applicant Income | $2,956,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 170 | $ 13,162,000 | $ 77,000 | $ 51,000 |
| Glynn County Georgia | 163 | $ 30,013,000 | $ 184,000 | $ 88,000 |
| Lowndes County Georgia | 132 | $ 18,163,000 | $ 137,000 | $ 74,000 |
| Coffee County Georgia | 122 | $ 6,990,000 | $ 57,000 | $ 53,000 |
| Leon County Florida | 119 | $ 23,084,000 | $ 193,000 | $ 95,000 |
| Lexington County South Carolina | 114 | $ 22,493,000 | $ 197,000 | $ 71,000 |
| Fulton County Georgia | 102 | $ 17,068,000 | $ 167,000 | $ 98,000 |
| Tift County Georgia | 102 | $ 10,560,000 | $ 103,000 | $ 88,000 |
| Houston County Alabama | 98 | $ 11,254,000 | $ 114,000 | $ 60,000 |
| Thomas County Georgia | 97 | $ 8,101,000 | $ 83,000 | $ 54,000 |
| Gwinnett County Georgia | 96 | $ 14,533,000 | $ 151,000 | $ 60,000 |
| Chatham County Georgia | 94 | $ 20,940,000 | $ 222,000 | $ 137,000 |
| Richland County South Carolina | 87 | $ 19,951,000 | $ 229,000 | $ 128,000 |
| Duval County Florida | 72 | $ 10,377,000 | $ 144,000 | $ 101,000 |
| Cobb County Georgia | 64 | $ 11,126,000 | $ 173,000 | $ 82,000 |
| DeKalb County Georgia | 64 | $ 6,852,000 | $ 107,000 | $ 47,000 |
| Grady County Georgia | 64 | $ 5,014,000 | $ 78,000 | $ 46,000 |
| Toombs County Georgia | 63 | $ 4,182,000 | $ 66,000 | $ 63,000 |
| Camden County Georgia | 59 | $ 9,374,000 | $ 158,000 | $ 79,000 |
| Charleston County South Carolina | 54 | $ 20,026,000 | $ 370,000 | $ 109,000 |
| Calhoun County Alabama | 52 | $ 7,171,000 | $ 137,000 | $ 77,000 |
| Dougherty County Georgia | 49 | $ 6,063,000 | $ 123,000 | $ 93,000 |
| Brooks County Georgia | 46 | $ 2,071,000 | $ 45,000 | $ 43,000 |
| Cherokee County Georgia | 46 | $ 9,552,000 | $ 207,000 | $ 75,000 |
| Irwin County Georgia | 41 | $ 2,814,000 | $ 68,000 | $ 43,000 |
| Crisp County Georgia | 39 | $ 2,944,000 | $ 75,000 | $ 63,000 |
| Henry County Georgia | 39 | $ 5,193,000 | $ 133,000 | $ 56,000 |
| Miller County Georgia | 36 | $ 2,421,000 | $ 67,000 | $ 73,000 |
| Beaufort County South Carolina | 35 | $ 7,926,000 | $ 226,000 | $ 135,000 |
| Lee County Georgia | 34 | $ 3,764,000 | $ 110,000 | $ 49,000 |
| Davidson County Tennessee | 32 | $ 5,417,000 | $ 169,000 | $ 82,000 |
| Clayton County Georgia | 30 | $ 2,550,000 | $ 85,000 | $ 29,000 |
| Henry County Alabama | 28 | $ 2,545,000 | $ 90,000 | $ 53,000 |
| Bibb County Georgia | 28 | $ 2,875,000 | $ 102,000 | $ 75,000 |
| Marion County Florida | 27 | $ 3,290,000 | $ 121,000 | $ 70,000 |
| Wakulla County Florida | 26 | $ 2,571,000 | $ 98,000 | $ 51,000 |
| Seminole County Georgia | 26 | $ 1,391,000 | $ 53,000 | $ 31,000 |
| Barbour County Alabama | 25 | $ 1,891,000 | $ 75,000 | $ 58,000 |
| Marion County Georgia | 25 | $ 2,115,000 | $ 84,000 | $ 49,000 |
| Schley County Georgia | 25 | $ 1,568,000 | $ 62,000 | $ 61,000 |
| Worth County Georgia | 25 | $ 2,289,000 | $ 91,000 | $ 48,000 |
| Clay County Florida | 22 | $ 4,771,000 | $ 216,000 | $ 70,000 |
| Sumter County Florida | 22 | $ 3,177,000 | $ 144,000 | $ 104,000 |
| Williamson County Tennessee | 22 | $ 6,945,000 | $ 315,000 | $ 176,000 |
| Newton County Georgia | 21 | $ 2,391,000 | $ 113,000 | $ 28,000 |
| Gilchrist County Florida | 19 | $ 1,649,000 | $ 86,000 | $ 58,000 |
| Spartanburg County South Carolina | 19 | $ 4,042,000 | $ 212,000 | $ 69,000 |
| Forsyth County Georgia | 18 | $ 4,349,000 | $ 241,000 | $ 102,000 |
| Paulding County Georgia | 18 | $ 2,724,000 | $ 151,000 | $ 56,000 |
| Dorchester County South Carolina | 17 | $ 3,301,000 | $ 194,000 | $ 96,000 |
| Anderson County South Carolina | 16 | $ 2,174,000 | $ 135,000 | $ 68,000 |
| Sumner County Tennessee | 15 | $ 2,331,000 | $ 155,000 | $ 70,000 |
| Lee County Alabama | 14 | $ 1,874,000 | $ 133,000 | $ 75,000 |
| St. Johns County Florida | 14 | $ 8,502,000 | $ 607,000 | $ 453,000 |
| Sumter County Georgia | 14 | $ 1,609,000 | $ 114,000 | $ 68,000 |
| Mitchell County Georgia | 13 | $ 854,000 | $ 65,000 | $ 49,000 |
| Coweta County Georgia | 12 | $ 1,797,000 | $ 149,000 | $ 69,000 |
| Douglas County Georgia | 12 | $ 1,303,000 | $ 108,000 | $ 53,000 |
| Fayette County Georgia | 12 | $ 1,845,000 | $ 153,000 | $ 48,000 |
| Rockdale County Georgia | 12 | $ 1,318,000 | $ 109,000 | $ 46,000 |
| Taylor County Georgia | 12 | $ 313,000 | $ 26,000 | $ 28,000 |
| Turner County Georgia | 12 | $ 807,000 | $ 67,000 | $ 47,000 |
| Greenville County South Carolina | 12 | $ 1,595,000 | $ 132,000 | $ 49,000 |
| Horry County South Carolina | 12 | $ 1,687,000 | $ 140,000 | $ 150,000 |
| Alachua County Florida | 11 | $ 1,234,000 | $ 112,000 | $ 73,000 |
| Atkinson County Georgia | 11 | $ 877,000 | $ 79,000 | $ 62,000 |
| Jackson County Georgia | 11 | $ 1,664,000 | $ 151,000 | $ 52,000 |
| Bay County Florida | 10 | $ 1,991,000 | $ 199,000 | $ 130,000 |
| Brantley County Georgia | 10 | $ 1,159,000 | $ 115,000 | $ 72,000 |
| Effingham County Georgia | 10 | $ 1,946,000 | $ 194,000 | $ 112,000 |
| Montgomery County Georgia | 10 | $ 211,000 | $ 21,000 | $ 23,000 |
| Sumter County South Carolina | 10 | $ 1,250,000 | $ 125,000 | $ 36,000 |
| York County South Carolina | 10 | $ 2,119,000 | $ 211,000 | $ 82,000 |
| Berrien County Georgia | 9 | $ 761,000 | $ 84,000 | $ 45,000 |
| Hancock County Georgia | 9 | $ 661,000 | $ 73,000 | $ 42,000 |
| Lanier County Georgia | 9 | $ 925,000 | $ 102,000 | $ 23,000 |
| Pickens County South Carolina | 9 | $ 1,250,000 | $ 138,000 | $ 87,000 |
| Hall County Georgia | 8 | $ 1,344,000 | $ 168,000 | $ 33,000 |
| McIntosh County Georgia | 8 | $ 539,000 | $ 67,000 | $ 53,000 |
| Berkeley County South Carolina | 8 | $ 2,832,000 | $ 354,000 | $ 94,000 |
| Maury County Tennessee | 8 | $ 1,048,000 | $ 131,000 | $ 48,000 |
| Dale County Alabama | 7 | $ 449,000 | $ 64,000 | $ 30,000 |
| Ben Hill County Georgia | 7 | $ 357,000 | $ 51,000 | $ 25,000 |
| Butts County Georgia | 7 | $ 1,227,000 | $ 175,000 | $ 89,000 |
| Decatur County Georgia | 7 | $ 244,000 | $ 34,000 | $ 38,000 |
| Macon County Georgia | 7 | $ 859,000 | $ 122,000 | $ 46,000 |
| Wilson County Tennessee | 7 | $ 1,574,000 | $ 224,000 | $ 104,000 |
| Nassau County Florida | 6 | $ 1,301,000 | $ 216,000 | $ 102,000 |
| Bartow County Georgia | 6 | $ 990,000 | $ 165,000 | $ 73,000 |
| Cook County Georgia | 6 | $ 655,000 | $ 109,000 | $ 33,000 |
| Early County Georgia | 6 | $ 288,000 | $ 48,000 | $ 39,000 |
| Jones County Georgia | 6 | $ 761,000 | $ 126,000 | $ 43,000 |
| Richmond County Georgia | 6 | $ 487,000 | $ 81,000 | $ 110,000 |
| Laurens County South Carolina | 6 | $ 767,000 | $ 127,000 | $ 47,000 |
| Geneva County Alabama | 5 | $ 337,000 | $ 67,000 | $ 56,000 |
| Franklin County Florida | 5 | $ 907,000 | $ 181,000 | $ 83,000 |
| Baldwin County Georgia | 5 | $ 586,000 | $ 117,000 | $ 59,000 |
| Bryan County Georgia | 5 | $ 927,000 | $ 185,000 | $ 110,000 |
| Gordon County Georgia | 5 | $ 639,000 | $ 127,000 | $ 76,000 |
| Lumpkin County Georgia | 5 | $ 762,000 | $ 152,000 | $ 55,000 |
| Kershaw County South Carolina | 5 | $ 1,131,000 | $ 226,000 | $ 146,000 |
| Cleburne County Alabama | 4 | $ 502,000 | $ 125,000 | $ 102,000 |
| Madison County Florida | 4 | $ 644,000 | $ 161,000 | $ 161,000 |
| Barrow County Georgia | 4 | $ 410,000 | $ 102,000 | $ 44,000 |
| Calhoun County Georgia | 4 | $ 201,000 | $ 50,000 | $ 125,000 |
| Charlton County Georgia | 4 | $ 388,000 | $ 97,000 | $ 51,000 |
| Columbia County Georgia | 4 | $ 804,000 | $ 201,000 | $ 101,000 |
| Houston County Georgia | 4 | $ 403,000 | $ 100,000 | $ 44,000 |
| Monroe County Georgia | 4 | $ 692,000 | $ 173,000 | $ 92,000 |
| Muscogee County Georgia | 4 | $ 446,000 | $ 111,000 | $ 58,000 |
| Putnam County Georgia | 4 | $ 456,000 | $ 114,000 | $ 44,000 |
| Spalding County Georgia | 4 | $ 615,000 | $ 153,000 | $ 60,000 |
| Tattnall County Georgia | 4 | $ 590,000 | $ 147,000 | $ 47,000 |
| Terrell County Georgia | 4 | $ 381,000 | $ 95,000 | $ 38,000 |
| Rutherford County Tennessee | 4 | $ 529,000 | $ 132,000 | $ 147,000 |
| Talladega County Alabama | 3 | $ 337,000 | $ 112,000 | $ 58,000 |
| Lake County Florida | 3 | $ 290,000 | $ 96,000 | $ 74,000 |
| Levy County Florida | 3 | $ 76,000 | $ 25,000 | $ 38,000 |
| Putnam County Florida | 3 | $ 455,000 | $ 151,000 | $ 195,000 |
| Bulloch County Georgia | 3 | $ 111,000 | $ 37,000 | $ 33,000 |
| Carroll County Georgia | 3 | $ 493,000 | $ 164,000 | $ 51,000 |
| Chattahoochee County Georgia | 3 | $ 171,000 | $ 57,000 | $ 32,000 |
| Clarke County Georgia | 3 | $ 327,000 | $ 109,000 | $ 60,000 |
| Haralson County Georgia | 3 | $ 257,000 | $ 85,000 | $ 57,000 |
| Jeff Davis County Georgia | 3 | $ 116,000 | $ 38,000 | $ 23,000 |
| Laurens County Georgia | 3 | $ 272,000 | $ 90,000 | $ 57,000 |
| Meriwether County Georgia | 3 | $ 308,000 | $ 102,000 | $ 44,000 |
| Peach County Georgia | 3 | $ 726,000 | $ 242,000 | $ 194,000 |
| Pickens County Georgia | 3 | $ 438,000 | $ 146,000 | $ 74,000 |
| Stewart County Georgia | 3 | $ 82,000 | $ 27,000 | $ 33,000 |
| Treutlen County Georgia | 3 | $ 97,000 | $ 32,000 | $ 37,000 |
| Troup County Georgia | 3 | $ 389,000 | $ 129,000 | $ 42,000 |
| Walker County Georgia | 3 | $ 524,000 | $ 174,000 | $ 76,000 |
| Walton County Georgia | 3 | $ 206,000 | $ 68,000 | $ 46,000 |
| Wayne County Georgia | 3 | $ 713,000 | $ 237,000 | $ 45,000 |
| Wheeler County Georgia | 3 | $ 28,000 | $ 9,000 | $ 38,000 |
| Aiken County South Carolina | 3 | $ 775,000 | $ 258,000 | $ 133,000 |
| Cherokee County South Carolina | 3 | $ 266,000 | $ 88,000 | $ 45,000 |
| Clarendon County South Carolina | 3 | $ 667,000 | $ 222,000 | $ 69,000 |
| Georgetown County South Carolina | 3 | $ 715,000 | $ 238,000 | $ 159,000 |
| Newberry County South Carolina | 3 | $ 485,000 | $ 161,000 | $ 95,000 |
| Oconee County South Carolina | 3 | $ 744,000 | $ 248,000 | $ 82,000 |
| Randolph County Alabama | 2 | $ 298,000 | $ 149,000 | $ 118,000 |
| Tallapoosa County Alabama | 2 | $ 428,000 | $ 214,000 | $ 56,000 |
| Tuscaloosa County Alabama | 2 | $ 666,000 | $ 333,000 | $ 161,000 |
| Gadsden County Florida | 2 | $ 334,000 | $ 167,000 | $ 111,000 |
| Hillsborough County Florida | 2 | $ 946,000 | $ 473,000 | $ 215,000 |
| Miami-Dade County Florida | 2 | $ 673,000 | $ 336,000 | $ 135,000 |
| Okaloosa County Florida | 2 | $ 707,000 | $ 353,000 | $ 370,000 |
| Orange County Florida | 2 | $ 376,000 | $ 188,000 | $ 75,000 |
| Santa Rosa County Florida | 2 | $ 246,000 | $ 123,000 | $ 139,000 |
| Volusia County Florida | 2 | $ 455,000 | $ 227,000 | $ 5,000 |
| Walton County Florida | 2 | $ 613,000 | $ 306,000 | $ 562,000 |
| Crawford County Georgia | 2 | $ 117,000 | $ 58,000 | $ 83,000 |
| Dooly County Georgia | 2 | $ 255,000 | $ 127,000 | $ 91,000 |
| Fannin County Georgia | 2 | $ 281,000 | $ 140,000 | $ 302,000 |
| Floyd County Georgia | 2 | $ 167,000 | $ 83,000 | $ 160,000 |
| Greene County Georgia | 2 | $ 186,000 | $ 93,000 | $ 31,000 |
| Lamar County Georgia | 2 | $ 159,000 | $ 79,000 | $ 23,000 |
| Liberty County Georgia | 2 | $ 1,550,000 | $ 775,000 | $ 46,000 |
| Morgan County Georgia | 2 | $ 214,000 | $ 107,000 | $ 27,000 |
| Oconee County Georgia | 2 | $ 103,000 | $ 51,000 | $ 22,000 |
| Pike County Georgia | 2 | $ 351,000 | $ 175,000 | $ 40,000 |
| Randolph County Georgia | 2 | $ 184,000 | $ 92,000 | $ 49,000 |
| Talbot County Georgia | 2 | $ 73,000 | $ 36,000 | $ 70,000 |
| Union County Georgia | 2 | $ 206,000 | $ 103,000 | $ 84,000 |
| Wilcox County Georgia | 2 | $ 46,000 | $ 23,000 | $ 48,000 |
| Wilkinson County Georgia | 2 | $ 229,000 | $ 114,000 | $ 44,000 |
| Colleton County South Carolina | 2 | $ 805,000 | $ 402,000 | $ 112,000 |
| Williamsburg County South Carolina | 2 | $ 223,000 | $ 111,000 | $ 29,000 |
| Baldwin County Alabama | 1 | $ 140,000 | $ 140,000 | $ 86,000 |
| Chambers County Alabama | 1 | $ 111,000 | $ 111,000 | $ 46,000 |
| Coffee County Alabama | 1 | $ 53,000 | $ 53,000 | $ 53,000 |
| Elmore County Alabama | 1 | $ 170,000 | $ 170,000 | $ 60,000 |
| Etowah County Alabama | 1 | $ 207,000 | $ 207,000 | $ 42,000 |
| Lowndes County Alabama | 1 | $ 206,000 | $ 206,000 | $ 97,000 |
| Marshall County Alabama | 1 | $ 388,000 | $ 388,000 | $ 165,000 |
| Montgomery County Alabama | 1 | $ 40,000 | $ 40,000 | $ 5,000 |
| Russell County Alabama | 1 | $ 146,000 | $ 146,000 | $ 23,000 |
| St. Clair County Alabama | 1 | $ 153,000 | $ 153,000 | $ 56,000 |
| Columbia County Florida | 1 | $ 5,000 | $ 5,000 | $ 12,000 |
| Dixie County Florida | 1 | $ 54,000 | $ 54,000 | $ 53,000 |
| Jackson County Florida | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Jefferson County Florida | 1 | $ 3,000 | $ 3,000 | $ 17,000 |
| Liberty County Florida | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Pinellas County Florida | 1 | $ 22,000 | $ 22,000 | $ 170,000 |
| Sarasota County Florida | 1 | $ 386,000 | $ 386,000 | $ 18,000 |
| Seminole County Florida | 1 | $ 417,000 | $ 417,000 | $ 195,000 |
| Suwannee County Florida | 1 | $ 20,000 | $ 20,000 | $ 79,000 |
| Taylor County Florida | 1 | $ 108,000 | $ 108,000 | $ 24,000 |
| Baker County Georgia | 1 | $ 138,000 | $ 138,000 | $ 32,000 |
| Burke County Georgia | 1 | $ 61,000 | $ 61,000 | $ 18,000 |
| Clinch County Georgia | 1 | $ 63,000 | $ 63,000 | $ 27,000 |
| Elbert County Georgia | 1 | $ 134,000 | $ 134,000 | $ 22,000 |
| Emanuel County Georgia | 1 | $ 8,000 | $ 8,000 | $ 113,000 |
| Evans County Georgia | 1 | $ 124,000 | $ 124,000 | $ 60,000 |
| Franklin County Georgia | 1 | $ 97,000 | $ 97,000 | $ 20,000 |
| Gilmer County Georgia | 1 | $ 159,000 | $ 159,000 | $ 117,000 |
| Glascock County Georgia | 1 | $ 92,000 | $ 92,000 | $ 79,000 |
| Habersham County Georgia | 1 | $ 66,000 | $ 66,000 | $ 170,000 |
| Harris County Georgia | 1 | $ 316,000 | $ 316,000 | $ 105,000 |
| Hart County Georgia | 1 | $ 94,000 | $ 94,000 | $ 72,000 |
| Jasper County Georgia | 1 | $ 200,000 | $ 200,000 | $ 166,000 |
| Madison County Georgia | 1 | $ 109,000 | $ 109,000 | $ 25,000 |
| Murray County Georgia | 1 | $ 190,000 | $ 190,000 | $ 292,000 |
| Pierce County Georgia | 1 | $ 74,000 | $ 74,000 | $ 42,000 |
| Quitman County Georgia | 1 | $ 89,000 | $ 89,000 | $ 54,000 |
| Towns County Georgia | 1 | $ 230,000 | $ 230,000 | $ 238,000 |
| Ware County Georgia | 1 | $ 3,000 | $ 3,000 | $ 58,000 |
| Washington County Georgia | 1 | $ 70,000 | $ 70,000 | $ 36,000 |
| Webster County Georgia | 1 | $ 33,000 | $ 33,000 | $ 52,000 |
| Catawba County North Carolina | 1 | $ 317,000 | $ 317,000 | $ 121,000 |
| Logan County Ohio | 1 | $ 114,000 | $ 114,000 | $ 100,000 |
| Seneca County Ohio | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Edgefield County South Carolina | 1 | $ 295,000 | $ 295,000 | $ 89,000 |
| Fairfield County South Carolina | 1 | $ 120,000 | $ 120,000 | $ 61,000 |
| Florence County South Carolina | 1 | $ 138,000 | $ 138,000 | $ 61,000 |
| Jasper County South Carolina | 1 | $ 114,000 | $ 114,000 | $ 118,000 |
| Lancaster County South Carolina | 1 | $ 63,000 | $ 63,000 | $ 24,000 |
| Lee County South Carolina | 1 | $ 112,000 | $ 112,000 | $ 26,000 |
| Orangeburg County South Carolina | 1 | $ 308,000 | $ 308,000 | $ 118,000 |
| Saluda County South Carolina | 1 | $ 214,000 | $ 214,000 | $ 337,000 |
| Blount County Tennessee | 1 | $ 221,000 | $ 221,000 | $ 67,000 |
| Lincoln County Tennessee | 1 | $ 99,000 | $ 99,000 | $ 74,000 |
| Loudon County Tennessee | 1 | $ 80,000 | $ 80,000 | $ 15,000 |
| Marion County Tennessee | 1 | $ 91,000 | $ 91,000 | $ 71,000 |
| Marshall County Tennessee | 1 | $ 62,000 | $ 62,000 | $ 43,000 |
| Pickett County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 15,000 |
| Robertson County Tennessee | 1 | $ 211,000 | $ 211,000 | $ 89,000 |
| Shelby County Tennessee | 1 | $ 73,000 | $ 73,000 | $ 34,000 |
Mortgage Loan Application Detail Totals for Ameris Bank in 2012
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,700 | $226,267,000 | $133,000 | $1,100,000 | $71,000 | $2,244,000 |
| Refinancing | 1,630 | $257,394,000 | $157,000 | $3,618,000 | $84,000 | $2,956,000 |
| Home Improvement | 213 | $12,459,000 | $58,000 | $408,000 | $54,000 | $331,000 |
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 | 2,551 | $360,743,000 | $141,000 | $2,500,000 | $84,000 | $2,956,000 |
| Black or African American | 570 | $57,809,000 | $101,000 | $417,000 | $52,000 | $682,000 |
| Not applicable | 132 | $27,408,000 | $207,000 | $3,618,000 | $0 | $0 |
| Not Provided | 124 | $26,646,000 | $214,000 | $1,100,000 | $97,000 | $498,000 |
| Hispanic | 108 | $12,772,000 | $118,000 | $900,000 | $70,000 | $1,015,000 |
| Asian | 40 | $6,655,000 | $166,000 | $417,000 | $110,000 | $800,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,198,000 | $219,000 | $652,000 | $93,000 | $292,000 |
| American Indian or Alaskan Native | 8 | $1,889,000 | $236,000 | $589,000 | $124,000 | $478,000 |
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) | 2,500 | $356,852,000 | $142,000 | $3,618,000 | $87,000 | $2,956,000 |
| FHA-insured (Federal Housing Administration) | 770 | $97,409,000 | $126,000 | $341,000 | $49,000 | $849,000 |
| VA-guaranteed (Veterans Administration) | 145 | $26,479,000 | $182,000 | $516,000 | $66,000 | $682,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 128 | $15,380,000 | $120,000 | $368,000 | $39,000 | $266,000 |
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 | 2,689 | $371,662,000 | $138,000 | $3,618,000 | $77,000 | $2,956,000 |
| Application Denied By Financial Institution | 504 | $68,290,000 | $135,000 | $1,282,000 | $59,000 | $607,000 |
| Application Withdrawn By Applicant | 335 | $54,891,000 | $163,000 | $2,500,000 | $88,000 | $2,168,000 |
| Loan Purchased By The Institution | 10 | $881,000 | $88,000 | $239,000 | $124,000 | $346,000 |
| Application Approved But Not Accepted | 3 | $52,000 | $17,000 | $33,000 | $25,000 | $40,000 |
| File Closed For Incompleteness | 2 | $344,000 | $172,000 | $200,000 | $24,000 | $48,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ameris Bank's 2012 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.
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