Ameris Bank Mortgage Lending & HMDA Data, 2022

In 2022, Ameris Bank of Atlanta, GA reported 23,583 mortgage applications totaling $8.5 billion, down 41% from 2021. The average application was for $360,591, and applicants reported an average income of $149,753. 69% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (7,450), Jacksonville, FL (1,501) and Washington-Arlington-Alexandria, DC-VA-MD-WV (899) (applications in parentheses).

Mortgage Company & Address Ameris Bank
300 South Main Street
Atlanta, GA 30305
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  
Total Number of Mortgage Applications 23,583
Total Mortgage Loan Application Amount $8,503,835,000
Average Mortgage Loan Application Amount $360,591
Highest Mortgage Loan Application Amount $53,725,000
Average Applicant Income $149,753
Highest Applicant Income $9,468,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ameris Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Ameris Bank by County in 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Fulton, Georgia 1,874 $ 822,810,000 $ 439,066 $ 193,000
DeKalb, Georgia 980 $ 397,170,000 $ 405,275 $ 174,000
Cobb, Georgia 952 $ 356,560,000 $ 374,537 $ 171,000
Gwinnett, Georgia 947 $ 311,625,000 $ 329,065 $ 129,000
St. Johns, Florida 772 $ 342,340,000 $ 443,445 $ 220,000
Duval, Florida 495 $ 180,515,000 $ 364,676 $ 166,000
Cherokee, Georgia 466 $ 160,880,000 $ 345,236 $ 132,000
Richland, South Carolina 407 $ 88,845,000 $ 218,292 $ 98,000
Alachua, Florida 405 $ 120,415,000 $ 297,320 $ 150,000
Charleston, South Carolina 402 $ 165,290,000 $ 411,169 $ 182,000
Forsyth, Georgia 349 $ 145,205,000 $ 416,060 $ 182,000
Lexington, South Carolina 333 $ 81,805,000 $ 245,660 $ 107,000
Davidson, Tennessee 305 $ 120,905,000 $ 396,409 $ 141,000
Horry, South Carolina 301 $ 96,095,000 $ 319,252 $ 185,000
Lowndes, Georgia 289 $ 69,745,000 $ 241,332 $ 97,000
Hall, Georgia 278 $ 111,060,000 $ 399,496 $ 140,000
Henry, Georgia 271 $ 83,595,000 $ 308,468 $ 113,000
Coweta, Georgia 246 $ 79,170,000 $ 321,829 $ 119,000
Volusia, Florida 227 $ 88,425,000 $ 389,537 $ 155,000
Fairfax, Virginia 218 $ 123,860,000 $ 568,165 $ 186,000
Flagler, Florida 208 $ 81,460,000 $ 391,634 $ 163,000
Paulding, Georgia 208 $ 62,440,000 $ 300,192 $ 107,000
Leon, Florida 201 $ 72,005,000 $ 358,233 $ 120,000
Berkeley, South Carolina 191 $ 64,245,000 $ 336,361 $ 122,000
Columbia, Georgia 187 $ 59,115,000 $ 316,122 $ 145,000
Chatham, Georgia 182 $ 44,420,000 $ 244,065 $ 154,000
Fayette, Georgia 176 $ 69,890,000 $ 397,102 $ 165,000
Houston, Alabama 174 $ 30,450,000 $ 175,000 $ 80,000
Loudoun, Virginia 168 $ 95,960,000 $ 571,190 $ 176,000
Honolulu, Hawaii 157 $ 91,725,000 $ 584,235 $ 144,000
Marion, Florida 154 $ 31,700,000 $ 205,844 $ 97,000
Richmond, Georgia 154 $ 56,720,000 $ 368,311 $ 83,000
Greenville, South Carolina 151 $ 58,935,000 $ 390,298 $ 109,000
Aiken, South Carolina 145 $ 38,345,000 $ 264,448 $ 99,000
Jackson, Georgia 128 $ 51,640,000 $ 403,437 $ 150,000
Barrow, Georgia 125 $ 33,185,000 $ 265,480 $ 118,000
Anderson, South Carolina 124 $ 28,920,000 $ 233,225 $ 82,000
Calhoun, Alabama 123 $ 24,075,000 $ 195,731 $ 78,000
Prince George's, Maryland 123 $ 40,345,000 $ 328,008 $ 111,000
Clay, Florida 118 $ 35,920,000 $ 304,406 $ 119,000
Dorchester, South Carolina 118 $ 34,180,000 $ 289,661 $ 108,000
Guilford, North Carolina 116 $ 25,560,000 $ 220,344 $ 81,000
Spartanburg, South Carolina 116 $ 31,120,000 $ 268,275 $ 91,000
Beaufort, South Carolina 115 $ 56,195,000 $ 488,652 $ 212,000
Houston, Georgia 103 $ 28,405,000 $ 275,776 $ 115,000
Nassau, Florida 102 $ 41,070,000 $ 402,647 $ 179,000
Durham, North Carolina 100 $ 38,000,000 $ 380,000 $ 138,000
Clayton, Georgia 99 $ 23,195,000 $ 234,292 $ 92,000
Bartow, Georgia 97 $ 23,475,000 $ 242,010 $ 107,000
Wake, North Carolina 95 $ 37,755,000 $ 397,421 $ 169,000
Bay, Florida 93 $ 31,645,000 $ 340,268 $ 174,000
Jefferson, Alabama 91 $ 20,655,000 $ 226,978 $ 92,000
Mecklenburg, North Carolina 91 $ 91,175,000 $ 1,001,923 $ 169,000
Douglas, Georgia 88 $ 25,350,000 $ 288,068 $ 121,000
Walton, Georgia 88 $ 28,310,000 $ 321,704 $ 111,000
Wakulla, Florida 87 $ 18,945,000 $ 217,758 $ 96,000
Prince William, Virginia 86 $ 33,130,000 $ 385,232 $ 144,000
Colquitt, Georgia 84 $ 12,620,000 $ 150,238 $ 97,000
Newton, Georgia 84 $ 24,100,000 $ 286,904 $ 109,000
Forsyth, North Carolina 84 $ 18,450,000 $ 219,642 $ 91,000
Dougherty, Georgia 82 $ 11,210,000 $ 136,707 $ 93,000
Cook, Illinois 82 $ 23,980,000 $ 292,439 $ 118,000
James City, Virginia 79 $ 28,185,000 $ 356,772 $ 124,000
Anne Arundel, Maryland 76 $ 26,870,000 $ 353,552 $ 121,000
Rutherford, Tennessee 74 $ 27,950,000 $ 377,702 $ 130,000
Los Angeles, California 73 $ 45,345,000 $ 621,164 $ 207,000
Baltimore, Maryland 72 $ 20,780,000 $ 288,611 $ 122,000
Williamson, Tennessee 71 $ 42,525,000 $ 598,943 $ 194,000
Orange, Florida 67 $ 33,455,000 $ 499,328 $ 234,000
Sumner, Tennessee 66 $ 26,300,000 $ 398,484 $ 129,000
Chambers, Alabama 61 $ 9,715,000 $ 159,262 $ 61,000
Chesterfield, Virginia 61 $ 19,385,000 $ 317,786 $ 126,000
Laurens, Georgia 60 $ 10,240,000 $ 170,666 $ 78,000
Baltimore City, Maryland 60 $ 13,750,000 $ 229,166 $ 90,000
Kershaw, South Carolina 60 $ 14,710,000 $ 245,166 $ 83,000
Carroll, Georgia 59 $ 17,165,000 $ 290,932 $ 115,000
Manatee, Florida 58 $ 17,990,000 $ 310,172 $ 190,000
Bryan, Georgia 58 $ 16,810,000 $ 289,827 $ 156,000
Oconee, Georgia 58 $ 29,340,000 $ 505,862 $ 238,000
Pasco, Florida 57 $ 24,985,000 $ 438,333 $ 165,000
Monroe, Georgia 57 $ 20,975,000 $ 367,982 $ 161,000
San Diego, California 56 $ 54,220,000 $ 968,214 $ 601,000
Alameda, California 55 $ 32,335,000 $ 587,909 $ 186,000
Newport News, Virginia 55 $ 10,115,000 $ 183,909 $ 76,000
Effingham, Georgia 54 $ 10,310,000 $ 190,925 $ 136,000
Rockdale, Georgia 53 $ 14,815,000 $ 279,528 $ 86,000
Wilson, Tennessee 53 $ 21,645,000 $ 408,396 $ 141,000
Lee, Georgia 50 $ 9,410,000 $ 188,200 $ 93,000
Pickens, South Carolina 50 $ 13,440,000 $ 268,800 $ 105,000
Stafford, Virginia 50 $ 20,050,000 $ 401,000 $ 117,000
Lee, Alabama 49 $ 12,895,000 $ 263,163 $ 195,000
Bibb, Georgia 48 $ 10,490,000 $ 218,541 $ 129,000
Camden, Georgia 48 $ 11,070,000 $ 230,625 $ 344,000
Glynn, Georgia 48 $ 15,090,000 $ 314,375 $ 372,000
Spalding, Georgia 48 $ 13,230,000 $ 275,625 $ 103,000
Montgomery, Maryland 48 $ 27,940,000 $ 582,083 $ 176,000
Sacramento, California 47 $ 20,545,000 $ 437,127 $ 138,000
Lee, Florida 47 $ 19,225,000 $ 409,042 $ 126,000
Butts, Georgia 47 $ 10,335,000 $ 219,893 $ 106,000
Clarke, Georgia 47 $ 17,375,000 $ 369,680 $ 165,000
Georgetown, South Carolina 47 $ 26,315,000 $ 559,893 $ 246,000
Walton, Florida 46 $ 33,270,000 $ 723,260 $ 342,000
Pinellas, Florida 44 $ 17,750,000 $ 403,409 $ 149,000
Tift, Georgia 44 $ 6,060,000 $ 137,727 $ 74,000
Coffee, Georgia 43 $ 4,245,000 $ 98,720 $ 91,000
Greene, Georgia 43 $ 21,555,000 $ 501,279 $ 266,000
Spotsylvania, Virginia 43 $ 18,915,000 $ 439,883 $ 144,000
Contra Costa, California 42 $ 25,420,000 $ 605,238 $ 193,000
Putnam, Florida 41 $ 9,475,000 $ 231,097 $ 110,000
Liberty, Georgia 41 $ 8,705,000 $ 212,317 $ 108,000
Sumter, South Carolina 41 $ 8,025,000 $ 195,731 $ 79,000
Maury, Tennessee 40 $ 13,350,000 $ 333,750 $ 102,000
Alexandria, Virginia 40 $ 20,050,000 $ 501,250 $ 187,000
Sarasota, Florida 39 $ 31,185,000 $ 799,615 $ 494,000
Columbia, Florida 38 $ 7,050,000 $ 185,526 $ 76,000
Floyd, Georgia 38 $ 11,440,000 $ 301,052 $ 153,000
Suffolk, Virginia 38 $ 13,850,000 $ 364,473 $ 100,000
Collier, Florida 37 $ 22,405,000 $ 605,540 $ 281,000
Harris, Texas 37 $ 13,975,000 $ 377,702 $ 154,000
Fannin, Georgia 36 $ 21,130,000 $ 586,944 $ 322,000
Montgomery, Tennessee 36 $ 8,890,000 $ 246,944 $ 104,000
Putnam, Georgia 35 $ 13,485,000 $ 385,285 $ 226,000
Will, Illinois 35 $ 11,035,000 $ 315,285 $ 161,000
Charles, Maryland 35 $ 12,165,000 $ 347,571 $ 99,000
Franklin, Ohio 35 $ 8,165,000 $ 233,285 $ 135,000
York, South Carolina 35 $ 15,345,000 $ 438,428 $ 145,000
Broward, Florida 34 $ 12,510,000 $ 367,941 $ 223,000
Arlington, Virginia 34 $ 15,670,000 $ 460,882 $ 146,000
District of Columbia, District Of Columbia 33 $ 14,535,000 $ 440,454 $ 163,000
Citrus, Florida 33 $ 12,185,000 $ 369,242 $ 160,000
Hillsborough, Florida 33 $ 25,305,000 $ 766,818 $ 132,000
Carroll, Maryland 33 $ 11,175,000 $ 338,636 $ 119,000
Hampton, Virginia 33 $ 6,335,000 $ 191,969 $ 71,000
Dawson, Georgia 32 $ 13,640,000 $ 426,250 $ 155,000
Virginia Beach, Virginia 32 $ 11,090,000 $ 346,562 $ 143,000
Buncombe, North Carolina 31 $ 12,355,000 $ 398,548 $ 170,000
Cabarrus, North Carolina 31 $ 11,595,000 $ 374,032 $ 123,000
Madison, Alabama 30 $ 9,380,000 $ 312,666 $ 142,000
Gilchrist, Florida 30 $ 8,820,000 $ 294,000 $ 116,000
Okaloosa, Florida 30 $ 8,630,000 $ 287,666 $ 146,000
Pickens, Georgia 30 $ 8,790,000 $ 293,000 $ 110,000
Thomas, Georgia 30 $ 4,720,000 $ 157,333 $ 110,000
Hamilton, Tennessee 30 $ 9,210,000 $ 307,000 $ 165,000
San Mateo, California 29 $ 16,535,000 $ 570,172 $ 200,000
Lumpkin, Georgia 29 $ 11,125,000 $ 383,620 $ 199,000
Howard, Maryland 29 $ 16,595,000 $ 572,241 $ 305,000
Henrico, Virginia 29 $ 8,595,000 $ 296,379 $ 121,000
Brevard, Florida 28 $ 54,760,000 $ 1,955,714 $ 311,000
Lake, Florida 28 $ 9,920,000 $ 354,285 $ 167,000
Baldwin, Georgia 28 $ 8,740,000 $ 312,142 $ 131,000
Gilmer, Georgia 28 $ 13,150,000 $ 469,642 $ 203,000
Toombs, Georgia 28 $ 2,690,000 $ 96,071 $ 93,000
Colleton, South Carolina 28 $ 10,590,000 $ 378,214 $ 222,000
Oconee, South Carolina 28 $ 7,970,000 $ 284,642 $ 90,000
Gordon, Georgia 27 $ 6,375,000 $ 236,111 $ 109,000
Jasper, Georgia 27 $ 5,205,000 $ 192,777 $ 97,000
Randolph, North Carolina 27 $ 5,235,000 $ 193,888 $ 71,000
Henry, Alabama 26 $ 4,560,000 $ 175,384 $ 77,000
Haralson, Georgia 26 $ 7,360,000 $ 283,076 $ 115,000
Jones, Georgia 26 $ 5,470,000 $ 210,384 $ 124,000
Alamance, North Carolina 26 $ 6,120,000 $ 235,384 $ 75,000
Union, North Carolina 26 $ 16,130,000 $ 620,384 $ 212,000
Edgefield, South Carolina 26 $ 8,500,000 $ 326,923 $ 134,000
Orangeburg, South Carolina 26 $ 5,070,000 $ 195,000 $ 75,000
Etowah, Alabama 25 $ 4,905,000 $ 196,200 $ 67,000
Santa Rosa, Florida 25 $ 8,455,000 $ 338,200 $ 121,000
Pike, Georgia 25 $ 8,525,000 $ 341,000 $ 91,000
Ware, Georgia 25 $ 2,925,000 $ 117,000 $ 71,000
Brunswick, North Carolina 25 $ 9,625,000 $ 385,000 $ 196,000
Gaston, North Carolina 25 $ 7,175,000 $ 287,000 $ 89,000
Iredell, North Carolina 25 $ 10,955,000 $ 438,200 $ 259,000
Fort Bend, Texas 25 $ 10,525,000 $ 421,000 $ 155,000
Baldwin, Alabama 24 $ 10,700,000 $ 445,833 $ 360,000
Seminole, Florida 24 $ 6,960,000 $ 290,000 $ 151,000
Grady, Georgia 24 $ 4,490,000 $ 187,083 $ 81,000
Newberry, South Carolina 24 $ 6,790,000 $ 282,916 $ 132,000
Dale, Alabama 23 $ 4,405,000 $ 191,521 $ 92,000
Miami-Dade, Florida 23 $ 10,955,000 $ 476,304 $ 235,000
Knox, Tennessee 23 $ 7,515,000 $ 326,739 $ 125,000
Sumter, Florida 22 $ 5,540,000 $ 251,818 $ 112,000
Lanier, Georgia 22 $ 4,060,000 $ 184,545 $ 88,000
Troup, Georgia 22 $ 5,520,000 $ 250,909 $ 99,000
Craven, North Carolina 22 $ 4,730,000 $ 215,000 $ 121,000
Stanly, North Carolina 22 $ 6,900,000 $ 313,636 $ 194,000
Westmoreland, Virginia 22 $ 6,750,000 $ 306,818 $ 150,000
Levy, Florida 21 $ 4,445,000 $ 211,666 $ 127,000
Davidson, North Carolina 21 $ 4,335,000 $ 206,428 $ 68,000
Johnston, North Carolina 21 $ 6,855,000 $ 326,428 $ 131,000
Laurens, South Carolina 21 $ 5,365,000 $ 255,476 $ 77,000
Richmond City, Virginia 21 $ 6,985,000 $ 332,619 $ 136,000
St. Clair, Alabama 20 $ 5,460,000 $ 273,000 $ 133,000
Orange, California 20 $ 13,400,000 $ 670,000 $ 215,000
Robertson, Tennessee 20 $ 5,870,000 $ 293,500 $ 101,000
York, Virginia 20 $ 6,590,000 $ 329,500 $ 120,000
Blount, Alabama 19 $ 3,925,000 $ 206,578 $ 86,000
San Francisco, California 19 $ 13,795,000 $ 726,052 $ 197,000
Santa Clara, California 19 $ 16,115,000 $ 848,157 $ 248,000
Bulloch, Georgia 19 $ 4,375,000 $ 230,263 $ 85,000
Marion, Georgia 19 $ 2,105,000 $ 110,789 $ 74,000
Stephens, Georgia 19 $ 7,015,000 $ 369,210 $ 137,000
Orange, North Carolina 19 $ 8,055,000 $ 423,947 $ 151,000
Fairfield, South Carolina 19 $ 4,475,000 $ 235,526 $ 97,000
Geneva, Alabama 18 $ 2,890,000 $ 160,555 $ 67,000
Talladega, Alabama 18 $ 3,580,000 $ 198,888 $ 89,000
Placer, California 18 $ 8,420,000 $ 467,777 $ 202,000
Franklin, Florida 18 $ 7,180,000 $ 398,888 $ 199,000
Meriwether, Georgia 18 $ 5,660,000 $ 314,444 $ 132,000
Shelby, Alabama 17 $ 6,065,000 $ 356,764 $ 161,000
Escambia, Florida 17 $ 5,765,000 $ 339,117 $ 177,000
Brooks, Georgia 17 $ 2,505,000 $ 147,352 $ 72,000
Rabun, Georgia 17 $ 8,105,000 $ 476,764 $ 207,000
Dixie, Florida 16 $ 2,090,000 $ 130,625 $ 59,000
Gadsden, Florida 16 $ 2,570,000 $ 160,625 $ 105,000
Liberty, Florida 16 $ 1,660,000 $ 103,750 $ 57,000
Palm Beach, Florida 16 $ 5,280,000 $ 330,000 $ 119,000
Habersham, Georgia 16 $ 4,500,000 $ 281,250 $ 92,000
Lamar, Georgia 16 $ 4,090,000 $ 255,625 $ 90,000
Morgan, Georgia 16 $ 5,630,000 $ 351,875 $ 140,000
White, Georgia 16 $ 6,170,000 $ 385,625 $ 147,000
Fredericksburg, Virginia 16 $ 7,650,000 $ 478,125 $ 196,000
Montgomery, Alabama 15 $ 2,415,000 $ 161,000 $ 95,000
Riverside, California 15 $ 8,495,000 $ 566,333 $ 239,000
Cook, Georgia 15 $ 2,075,000 $ 138,333 $ 75,000
Crisp, Georgia 15 $ 2,935,000 $ 195,666 $ 111,000
Decatur, Georgia 15 $ 2,955,000 $ 197,000 $ 91,000
Frederick, Maryland 15 $ 5,015,000 $ 334,333 $ 111,000
Macon, North Carolina 15 $ 9,375,000 $ 625,000 $ 386,000
Fauquier, Virginia 15 $ 5,995,000 $ 399,666 $ 125,000
Baker, Florida 14 $ 3,320,000 $ 237,142 $ 115,000
Calhoun, Florida 14 $ 2,450,000 $ 175,000 $ 77,000
Polk, Florida 14 $ 2,990,000 $ 213,571 $ 169,000
Banks, Georgia 14 $ 5,280,000 $ 377,142 $ 146,000
McDuffie, Georgia 14 $ 4,710,000 $ 336,428 $ 105,000
Peach, Georgia 14 $ 2,940,000 $ 210,000 $ 99,000
Schley, Georgia 14 $ 1,890,000 $ 135,000 $ 92,000
DuPage, Illinois 14 $ 3,920,000 $ 280,000 $ 157,000
Cullman, Alabama 13 $ 3,005,000 $ 231,153 $ 74,000
Elmore, Alabama 13 $ 5,265,000 $ 405,000 $ 233,000
Bradford, Florida 13 $ 3,335,000 $ 256,538 $ 184,000
Osceola, Florida 13 $ 55,855,000 $ 4,296,538 $ 197,000
Polk, Georgia 13 $ 3,975,000 $ 305,769 $ 149,000
Upson, Georgia 13 $ 1,785,000 $ 137,307 $ 62,000
Worth, Georgia 13 $ 2,075,000 $ 159,615 $ 68,000
Lake, Illinois 13 $ 5,465,000 $ 420,384 $ 180,000
Harnett, North Carolina 13 $ 3,815,000 $ 293,461 $ 98,000
New Hanover, North Carolina 13 $ 43,195,000 $ 3,322,692 $ 187,000
Lancaster, South Carolina 13 $ 8,185,000 $ 629,615 $ 154,000
Cherokee, Alabama 12 $ 3,180,000 $ 265,000 $ 106,000
San Bernardino, California 12 $ 5,480,000 $ 456,666 $ 164,000
Lincoln, Georgia 12 $ 3,450,000 $ 287,500 $ 97,000
Camden, Missouri 12 $ 3,790,000 $ 315,833 $ 160,000
Chatham, North Carolina 12 $ 5,120,000 $ 426,666 $ 158,000
Franklin, North Carolina 12 $ 2,680,000 $ 223,333 $ 86,000
Jackson, North Carolina 12 $ 11,930,000 $ 994,166 $ 494,000
Onslow, North Carolina 12 $ 3,050,000 $ 254,166 $ 110,000
Person, North Carolina 12 $ 3,010,000 $ 250,833 $ 100,000
Charlotte, Florida 11 $ 3,445,000 $ 313,181 $ 157,000
Suwannee, Florida 11 $ 2,375,000 $ 215,909 $ 279,000
Hart, Georgia 11 $ 4,835,000 $ 439,545 $ 158,000
Harford, Maryland 11 $ 3,085,000 $ 280,454 $ 111,000
Worcester, Maryland 11 $ 3,465,000 $ 315,000 $ 170,000
Carteret, North Carolina 11 $ 6,505,000 $ 591,363 $ 241,000
Rowan, North Carolina 11 $ 2,655,000 $ 241,363 $ 107,000
Dickson, Tennessee 11 $ 3,425,000 $ 311,363 $ 97,000
Sevier, Tennessee 11 $ 4,975,000 $ 452,272 $ 220,000
Montgomery, Texas 11 $ 6,795,000 $ 617,727 $ 161,000
Norfolk, Virginia 11 $ 3,025,000 $ 275,000 $ 104,000
Coffee, Alabama 10 $ 2,170,000 $ 217,000 $ 70,000
Ventura, California 10 $ 6,090,000 $ 609,000 $ 184,000
Franklin, Georgia 10 $ 2,340,000 $ 234,000 $ 78,000
Miller, Georgia 10 $ 1,520,000 $ 152,000 $ 98,000
Muscogee, Georgia 10 $ 2,430,000 $ 243,000 $ 125,000
Seminole, Georgia 10 $ 1,970,000 $ 197,000 $ 61,000
Sumter, Georgia 10 $ 1,780,000 $ 178,000 $ 71,000
Granville, North Carolina 10 $ 3,180,000 $ 318,000 $ 120,000
Pitt, North Carolina 10 $ 2,450,000 $ 245,000 $ 145,000
Florence, South Carolina 10 $ 1,300,000 $ 130,000 $ 52,000
Saluda, South Carolina 10 $ 3,650,000 $ 365,000 $ 128,000
Cheatham, Tennessee 10 $ 2,570,000 $ 257,000 $ 80,000
Chesapeake, Virginia 10 $ 3,430,000 $ 343,000 $ 111,000
Frederick, Virginia 10 $ 2,880,000 $ 288,000 $ 152,000
King George, Virginia 10 $ 4,300,000 $ 430,000 $ 171,000
Manassas Park, Virginia 10 $ 2,670,000 $ 267,000 $ 98,000
Orange, Virginia 10 $ 2,910,000 $ 291,000 $ 192,000
Poquoson, Virginia 10 $ 5,080,000 $ 508,000 $ 182,000
Barbour, Alabama 9 $ 2,475,000 $ 275,000 $ 113,000
Tallapoosa, Alabama 9 $ 2,385,000 $ 265,000 $ 193,000
Long, Georgia 9 $ 2,865,000 $ 318,333 $ 95,000
Union, Georgia 9 $ 4,015,000 $ 446,111 $ 231,000
Washington, Maryland 9 $ 3,665,000 $ 407,222 $ 167,000
Cumberland, North Carolina 9 $ 1,705,000 $ 189,444 $ 80,000
Rockingham, North Carolina 9 $ 1,535,000 $ 170,555 $ 55,000
Calhoun, South Carolina 9 $ 1,995,000 $ 221,666 $ 108,000
Greenwood, South Carolina 9 $ 1,545,000 $ 171,666 $ 156,000
Jasper, South Carolina 9 $ 2,735,000 $ 303,888 $ 93,000
McCormick, South Carolina 9 $ 3,335,000 $ 370,555 $ 143,000
Bedford, Tennessee 9 $ 3,425,000 $ 380,555 $ 103,000
Collin, Texas 9 $ 4,115,000 $ 457,222 $ 174,000
Bedford, Virginia 9 $ 2,765,000 $ 307,222 $ 162,000
Caroline, Virginia 9 $ 3,105,000 $ 345,000 $ 152,000
Hanover, Virginia 9 $ 3,335,000 $ 370,555 $ 137,000
Mobile, Alabama 8 $ 1,890,000 $ 236,250 $ 68,000
Randolph, Alabama 8 $ 1,700,000 $ 212,500 $ 127,000
Solano, California 8 $ 3,330,000 $ 416,250 $ 164,000
Yolo, California 8 $ 3,580,000 $ 447,500 $ 151,000
Jackson, Florida 8 $ 2,030,000 $ 253,750 $ 75,000
St. Lucie, Florida 8 $ 2,610,000 $ 326,250 $ 183,000
Union, Florida 8 $ 1,820,000 $ 227,500 $ 95,000
Dodge, Georgia 8 $ 760,000 $ 95,000 $ 51,000
Irwin, Georgia 8 $ 810,000 $ 101,250 $ 94,000
Taylor, Georgia 8 $ 660,000 $ 82,500 $ 59,000
McHenry, Illinois 8 $ 2,290,000 $ 286,250 $ 139,000
Jefferson, Kentucky 8 $ 1,500,000 $ 187,500 $ 73,000
Catawba, North Carolina 8 $ 2,810,000 $ 351,250 $ 100,000
Haywood, North Carolina 8 $ 2,400,000 $ 300,000 $ 119,000
Henderson, North Carolina 8 $ 7,550,000 $ 943,750 $ 307,000
Clarendon, South Carolina 8 $ 1,970,000 $ 246,250 $ 90,000
Coffee, Tennessee 8 $ 2,550,000 $ 318,750 $ 93,000
Louisa, Virginia 8 $ 2,840,000 $ 355,000 $ 123,000
Marshall, Alabama 7 $ 1,605,000 $ 229,285 $ 83,000
Russell, Alabama 7 $ 1,035,000 $ 147,857 $ 61,000
Gulf, Florida 7 $ 7,035,000 $ 1,005,000 $ 351,000
Monroe, Florida 7 $ 7,395,000 $ 1,056,428 $ 582,000
Ben Hill, Georgia 7 $ 1,025,000 $ 146,428 $ 91,000
Burke, Georgia 7 $ 1,735,000 $ 247,857 $ 101,000
Charlton, Georgia 7 $ 1,345,000 $ 192,142 $ 131,000
Clinch, Georgia 7 $ 945,000 $ 135,000 $ 68,000
Elbert, Georgia 7 $ 875,000 $ 125,000 $ 39,000
Hancock, Georgia 7 $ 2,065,000 $ 295,000 $ 136,000
Madison, Georgia 7 $ 1,695,000 $ 242,142 $ 102,000
McIntosh, Georgia 7 $ 2,155,000 $ 307,857 $ 105,000
Mitchell, Georgia 7 $ 805,000 $ 115,000 $ 52,000
St. Mary's, Maryland 7 $ 1,905,000 $ 272,142 $ 102,000
Christian, Missouri 7 $ 2,265,000 $ 323,571 $ 96,000
Caldwell, North Carolina 7 $ 2,225,000 $ 317,857 $ 91,000
Polk, North Carolina 7 $ 2,555,000 $ 365,000 $ 205,000
Wayne, North Carolina 7 $ 1,475,000 $ 210,714 $ 105,000
Marshall, Tennessee 7 $ 2,405,000 $ 343,571 $ 86,000
Travis, Texas 7 $ 5,485,000 $ 783,571 $ 304,000
Gloucester, Virginia 7 $ 2,085,000 $ 297,857 $ 88,000
Williamsburg, Virginia 7 $ 2,015,000 $ 287,857 $ 131,000
DeKalb, Alabama 6 $ 1,160,000 $ 193,333 $ 88,000
Limestone, Alabama 6 $ 2,200,000 $ 366,666 $ 110,000
Maricopa, Arizona 6 $ 3,290,000 $ 548,333 $ 320,000
Carroll, Arkansas 6 $ 1,070,000 $ 178,333 $ 82,000
Johnson, Georgia 6 $ 1,140,000 $ 190,000 $ 96,000
Montgomery, Georgia 6 $ 320,000 $ 53,333 $ 45,000
Pierce, Georgia 6 $ 1,140,000 $ 190,000 $ 96,000
Wheeler, Georgia 6 $ 860,000 $ 143,333 $ 56,000
Whitfield, Georgia 6 $ 840,000 $ 140,000 $ 79,000
Hawaii, Hawaii 6 $ 3,230,000 $ 538,333 $ 152,000
Lake, Indiana 6 $ 1,650,000 $ 275,000 $ 195,000
Fayette, Kentucky 6 $ 3,720,000 $ 620,000 $ 411,000
East Baton Rouge, Louisiana 6 $ 2,000,000 $ 333,333 $ 112,000
Wicomico, Maryland 6 $ 1,140,000 $ 190,000 $ 71,000
Lee, North Carolina 6 $ 1,170,000 $ 195,000 $ 69,000
Moore, North Carolina 6 $ 3,080,000 $ 513,333 $ 103,000
Rutherford, North Carolina 6 $ 2,100,000 $ 350,000 $ 145,000
Wilson, North Carolina 6 $ 1,580,000 $ 263,333 $ 87,000
Yadkin, North Carolina 6 $ 990,000 $ 165,000 $ 57,000
Cherokee, South Carolina 6 $ 1,390,000 $ 231,666 $ 80,000
Darlington, South Carolina 6 $ 740,000 $ 123,333 $ 62,000
Shelby, Tennessee 6 $ 890,000 $ 148,333 $ 109,000
Bexar, Texas 6 $ 2,270,000 $ 378,333 $ 158,000
Denton, Texas 6 $ 3,320,000 $ 553,333 $ 248,000
Culpeper, Virginia 6 $ 2,520,000 $ 420,000 $ 116,000
New Kent, Virginia 6 $ 2,260,000 $ 376,666 $ 141,000
Waukesha, Wisconsin 6 $ 2,470,000 $ 411,666 $ 136,000
Morgan, Alabama 5 $ 1,485,000 $ 297,000 $ 122,000
Winston, Alabama 5 $ 1,295,000 $ 259,000 $ 121,000
Douglas, Colorado 5 $ 3,085,000 $ 617,000 $ 156,000
Sussex, Delaware 5 $ 1,495,000 $ 299,000 $ 159,000
Highlands, Florida 5 $ 995,000 $ 199,000 $ 82,000
Jefferson, Florida 5 $ 1,345,000 $ 269,000 $ 144,000
Martin, Florida 5 $ 3,045,000 $ 609,000 $ 274,000
Catoosa, Georgia 5 $ 1,555,000 $ 311,000 $ 102,000
Screven, Georgia 5 $ 775,000 $ 155,000 $ 85,000
Terrell, Georgia 5 $ 735,000 $ 147,000 $ 67,000
Warren, Kentucky 5 $ 1,375,000 $ 275,000 $ 102,000
Somerset, Maryland 5 $ 455,000 $ 91,000 $ 141,000
Clark, Nevada 5 $ 1,165,000 $ 233,000 $ 64,000
Ashe, North Carolina 5 $ 1,225,000 $ 245,000 $ 145,000
Burke, North Carolina 5 $ 1,525,000 $ 305,000 $ 107,000
Clay, North Carolina 5 $ 1,765,000 $ 353,000 $ 175,000
Dare, North Carolina 5 $ 2,835,000 $ 567,000 $ 388,000
Lenoir, North Carolina 5 $ 845,000 $ 169,000 $ 69,000
Warren, North Carolina 5 $ 1,665,000 $ 333,000 $ 153,000
Watauga, North Carolina 5 $ 1,235,000 $ 247,000 $ 142,000
Montgomery, Ohio 5 $ 845,000 $ 169,000 $ 126,000
York, Pennsylvania 5 $ 1,395,000 $ 279,000 $ 68,000
Bamberg, South Carolina 5 $ 1,385,000 $ 277,000 $ 87,000
Franklin, Tennessee 5 $ 1,715,000 $ 343,000 $ 137,000
Smith, Tennessee 5 $ 1,095,000 $ 219,000 $ 53,000
Albemarle, Virginia 5 $ 1,535,000 $ 307,000 $ 169,000
Essex, Virginia 5 $ 1,205,000 $ 241,000 $ 138,000
Fairfax City, Virginia 5 $ 1,855,000 $ 371,000 $ 134,000
Isle of Wight, Virginia 5 $ 1,575,000 $ 315,000 $ 130,000
Manassas, Virginia 5 $ 2,185,000 $ 437,000 $ 134,000
Clark, Washington 5 $ 2,775,000 $ 555,000 $ 180,000
Cleburne, Alabama 4 $ 1,210,000 $ 302,500 $ 82,000
Tuscaloosa, Alabama 4 $ 1,140,000 $ 285,000 $ 167,000
Marin, California 4 $ 3,960,000 $ 990,000 $ 252,000
Stanislaus, California 4 $ 1,520,000 $ 380,000 $ 141,000
Hamilton, Florida 4 $ 700,000 $ 175,000 $ 91,000
Madison, Florida 4 $ 850,000 $ 212,500 $ 91,000
Taylor, Florida 4 $ 510,000 $ 127,500 $ 54,000
Washington, Florida 4 $ 960,000 $ 240,000 $ 89,000
Berrien, Georgia 4 $ 710,000 $ 177,500 $ 97,000
Crawford, Georgia 4 $ 1,110,000 $ 277,500 $ 111,000
Harris, Georgia 4 $ 1,200,000 $ 300,000 $ 163,000
Macon, Georgia 4 $ 670,000 $ 167,500 $ 73,000
Oglethorpe, Georgia 4 $ 890,000 $ 222,500 $ 127,000
Pulaski, Georgia 4 $ 740,000 $ 185,000 $ 84,000
Wayne, Georgia 4 $ 580,000 $ 145,000 $ 51,000
Kane, Illinois 4 $ 1,020,000 $ 255,000 $ 102,000
Kendall, Illinois 4 $ 1,590,000 $ 397,500 $ 79,000
Marion, Indiana 4 $ 440,000 $ 110,000 $ 190,000
Oakland, Michigan 4 $ 1,520,000 $ 380,000 $ 104,000
Greene, Missouri 4 $ 1,210,000 $ 302,500 $ 96,000
Duplin, North Carolina 4 $ 710,000 $ 177,500 $ 61,000
Pamlico, North Carolina 4 $ 960,000 $ 240,000 $ 115,000
Stokes, North Carolina 4 $ 700,000 $ 175,000 $ 53,000
Transylvania, North Carolina 4 $ 1,610,000 $ 402,500 $ 129,000
Delaware, Ohio 4 $ 1,670,000 $ 417,500 $ 216,000
Hamilton, Ohio 4 $ 640,000 $ 160,000 $ 143,000
Cambria, Pennsylvania 4 $ 200,000 $ 50,000 $ 59,000
Abbeville, South Carolina 4 $ 1,520,000 $ 380,000 $ 135,000
Hampton, South Carolina 4 $ 700,000 $ 175,000 $ 68,000
Union, South Carolina 4 $ 830,000 $ 207,500 $ 105,000
Bradley, Tennessee 4 $ 1,100,000 $ 275,000 $ 83,000
Dallas, Texas 4 $ 1,500,000 $ 375,000 $ 121,000
Galveston, Texas 4 $ 1,910,000 $ 477,500 $ 313,000
Tarrant, Texas 4 $ 1,430,000 $ 357,500 $ 259,000
Williamson, Texas 4 $ 2,770,000 $ 692,500 $ 245,000
Portsmouth, Virginia 4 $ 640,000 $ 160,000 $ 60,000
Jefferson, West Virginia 4 $ 1,220,000 $ 305,000 $ 105,000
Milwaukee, Wisconsin 4 $ 1,300,000 $ 325,000 $ 127,000
Ozaukee, Wisconsin 4 $ 1,260,000 $ 315,000 $ 92,000
Autauga, Alabama 3 $ 675,000 $ 225,000 $ 64,000
Colbert, Alabama 3 $ 465,000 $ 155,000 $ 166,000
Jackson, Alabama 3 $ 715,000 $ 238,333 $ 94,000
Macon, Alabama 3 $ 535,000 $ 178,333 $ 68,000
Pike, Alabama 3 $ 675,000 $ 225,000 $ 66,000
Walker, Alabama 3 $ 695,000 $ 231,666 $ 111,000
Mohave, Arizona 3 $ 1,975,000 $ 658,333 $ 200,000
Washington, Arkansas 3 $ 755,000 $ 251,666 $ 80,000
Amador, California 3 $ 1,225,000 $ 408,333 $ 136,000
El Dorado, California 3 $ 1,155,000 $ 385,000 $ 212,000
Fresno, California 3 $ 925,000 $ 308,333 $ 167,000
Kern, California 3 $ 1,135,000 $ 378,333 $ 97,000
Madera, California 3 $ 1,925,000 $ 641,666 $ 348,000
Nevada, California 3 $ 1,415,000 $ 471,666 $ 451,000
San Joaquin, California 3 $ 1,915,000 $ 638,333 $ 255,000
Santa Cruz, California 3 $ 2,245,000 $ 748,333 $ 210,000
Arapahoe, Colorado 3 $ 1,405,000 $ 468,333 $ 107,000
Jefferson, Colorado 3 $ 1,875,000 $ 625,000 $ 278,000
Kent, Delaware 3 $ 755,000 $ 251,666 $ 128,000
Appling, Georgia 3 $ 435,000 $ 145,000 $ 84,000
Bleckley, Georgia 3 $ 375,000 $ 125,000 $ 59,000
Chattooga, Georgia 3 $ 525,000 $ 175,000 $ 60,000
Clay, Georgia 3 $ 655,000 $ 218,333 $ 193,000
Heard, Georgia 3 $ 925,000 $ 308,333 $ 107,000
Tattnall, Georgia 3 $ 305,000 $ 101,666 $ 82,000
Telfair, Georgia 3 $ 365,000 $ 121,666 $ 47,000
Towns, Georgia 3 $ 995,000 $ 331,666 $ 257,000
Treutlen, Georgia 3 $ 295,000 $ 98,333 $ 71,000
Walker, Georgia 3 $ 665,000 $ 221,666 $ 183,000
Maui, Hawaii 3 $ 1,885,000 $ 628,333 $ 120,000
Calvert, Maryland 3 $ 855,000 $ 285,000 $ 80,000
Queen Anne's, Maryland 3 $ 1,605,000 $ 535,000 $ 380,000
Middlesex, Massachusetts 3 $ 1,875,000 $ 625,000 $ 240,000
Worcester, Massachusetts 3 $ 1,395,000 $ 465,000 $ 186,000
Jackson, Missouri 3 $ 1,615,000 $ 538,333 $ 258,000
Miller, Missouri 3 $ 1,065,000 $ 355,000 $ 161,000
St. Louis City, Missouri 3 $ 845,000 $ 281,666 $ 63,000
Anson, North Carolina 3 $ 795,000 $ 265,000 $ 141,000
Avery, North Carolina 3 $ 925,000 $ 308,333 $ 206,000
Davie, North Carolina 3 $ 555,000 $ 185,000 $ 76,000
Pender, North Carolina 3 $ 995,000 $ 331,666 $ 76,000
Surry, North Carolina 3 $ 675,000 $ 225,000 $ 71,000
Swain, North Carolina 3 $ 1,085,000 $ 361,666 $ 110,000
Vance, North Carolina 3 $ 805,000 $ 268,333 $ 78,000
Greene, Ohio 3 $ 605,000 $ 201,666 $ 101,000
Licking, Ohio 3 $ 965,000 $ 321,666 $ 109,000
Muskingum, Ohio 3 $ 375,000 $ 125,000 $ 293,000
Allegheny, Pennsylvania 3 $ 845,000 $ 281,666 $ 112,000
Delaware, Pennsylvania 3 $ 1,215,000 $ 405,000 $ 109,000
Barnwell, South Carolina 3 $ 645,000 $ 215,000 $ 106,000
Marion, South Carolina 3 $ 515,000 $ 171,666 $ 48,000
Cocke, Tennessee 3 $ 735,000 $ 245,000 $ 129,000
Henderson, Tennessee 3 $ 625,000 $ 208,333 $ 58,000
Lawrence, Tennessee 3 $ 955,000 $ 318,333 $ 63,000
Lincoln, Tennessee 3 $ 1,755,000 $ 585,000 $ 245,000
Loudon, Tennessee 3 $ 1,595,000 $ 531,666 $ 211,000
Macon, Tennessee 3 $ 345,000 $ 115,000 $ 51,000
Marion, Tennessee 3 $ 1,975,000 $ 658,333 $ 149,000
Trousdale, Tennessee 3 $ 1,235,000 $ 411,666 $ 113,000
Salt Lake, Utah 3 $ 2,235,000 $ 745,000 $ 176,000
Weber, Utah 3 $ 2,255,000 $ 751,666 $ 297,000
Augusta, Virginia 3 $ 1,095,000 $ 365,000 $ 102,000
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Mortgage Loan Application Detail Totals for Ameris Bank in 2022

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 17,427 $6,705,195,000 $384,000 $51,585,000 $149,000 $9,468,000
Cash-out Refinancing 3,007 $1,051,575,000 $349,000 $53,725,000 $145,000 $3,834,000
Refinancing 1,444 $493,390,000 $341,000 $3,505,000 $155,000 $2,760,000
Home Improvement 1,248 $180,370,000 $144,000 $4,805,000 $163,000 $4,428,000
Other Purpose 457 $73,305,000 $160,000 $4,505,000 $157,000 $1,704,000
Not Applicable 0 $0 $0 $0 $0 $0

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 13,871 $4,809,005,000 $346,000 $4,945,000 $156,000 $9,468,000
Not Provided 3,154 $1,231,690,000 $390,000 $4,805,000 $171,000 $6,432,000
Black or African American 2,988 $877,380,000 $293,000 $2,305,000 $109,000 $1,154,000
Hispanic 1,581 $493,875,000 $312,000 $4,045,000 $114,000 $2,599,000
Asian 1,543 $665,465,000 $431,000 $5,005,000 $162,000 $1,702,000
Not applicable 262 $362,830,000 $1,384,000 $53,725,000 $0 $0
American Indian or Alaskan Native 103 $35,255,000 $342,000 $1,545,000 $119,000 $615,000
Native Hawaiian or Other Pacific Islander 40 $15,450,000 $386,000 $865,000 $190,000 $1,146,000

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) 19,183 $7,177,335,000 $374,000 $53,725,000 $164,000 $9,468,000
FHA-insured (Federal Housing Administration) 2,718 $728,660,000 $268,000 $2,285,000 $80,000 $722,000
VA-guaranteed (Veterans Administration) 1,411 $544,925,000 $386,000 $1,815,000 $111,000 $1,412,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 271 $52,915,000 $195,000 $465,000 $63,000 $186,000

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 16,281 $6,066,435,000 $372,000 $53,725,000 $152,000 $9,468,000
Application Withdrawn By Applicant 4,590 $1,717,890,000 $374,000 $14,255,000 $154,000 $6,432,000
Application Denied By Financial Institution 1,957 $470,265,000 $240,000 $4,505,000 $106,000 $1,834,000
File Closed For Incompleteness 482 $154,760,000 $321,000 $2,005,000 $170,000 $6,753,000
Application Approved But Not Accepted 149 $56,035,000 $376,000 $8,805,000 $180,000 $1,589,000
Loan Purchased By The Institution 124 $38,450,000 $310,000 $675,000 $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
Not applicable 21,626 $8,033,570,000 $371,000 $53,725,000 $153,000 $9,468,000
Debt-To-Income Ratio 920 $218,690,000 $237,000 $4,505,000 $85,000 $716,000
Credit History 390 $88,000,000 $225,000 $1,065,000 $107,000 $1,834,000
Collateral 284 $52,740,000 $185,000 $1,575,000 $154,000 $1,040,000
Other 154 $46,510,000 $302,000 $1,225,000 $129,000 $1,440,000
Credit Application Incomplete 91 $29,395,000 $323,000 $1,215,000 $130,000 $618,000
Unverifiable Information 64 $21,640,000 $338,000 $2,305,000 $125,000 $654,000
Employment History 52 $12,850,000 $247,000 $1,185,000 $79,000 $270,000
Insufficient Cash (Downpayment, Closing Cost) 2 $440,000 $220,000 $425,000 $144,000 $240,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Ameris Bank's 2022 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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