Ameris Bank Mortgage Lending & HMDA Data, 2023

In 2023, Ameris Bank of Atlanta, GA reported 18,675 mortgage applications totaling $6.2 billion, down 21% from 2022. The average application was for $330,757, and applicants reported an average income of $157,913. 70% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (6,152), Jacksonville, FL (1,125) and Washington-Arlington-Alexandria, DC-VA-MD-WV (819) (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 18,675
Total Mortgage Loan Application Amount $6,176,895,000
Average Mortgage Loan Application Amount $330,757
Highest Mortgage Loan Application Amount $4,005,000
Average Applicant Income $157,913
Highest Applicant Income $7,557,000

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Act (HMDA) records Ameris Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Fulton, Georgia 1,395 $ 581,255,000 $ 416,670 $ 212,000
DeKalb, Georgia 878 $ 318,310,000 $ 362,539 $ 179,000
Gwinnett, Georgia 840 $ 276,560,000 $ 329,238 $ 145,000
Cobb, Georgia 748 $ 253,110,000 $ 338,382 $ 161,000
St. Johns, Florida 562 $ 250,690,000 $ 446,067 $ 242,000
Cherokee, Georgia 370 $ 127,240,000 $ 343,891 $ 161,000
Richland, South Carolina 363 $ 91,395,000 $ 251,776 $ 110,000
Duval, Florida 361 $ 104,335,000 $ 289,016 $ 154,000
Lexington, South Carolina 303 $ 79,795,000 $ 263,349 $ 127,000
Charleston, South Carolina 279 $ 121,075,000 $ 433,960 $ 228,000
Alachua, Florida 272 $ 71,590,000 $ 263,198 $ 134,000
Horry, South Carolina 258 $ 76,090,000 $ 294,922 $ 173,000
Forsyth, Georgia 254 $ 107,840,000 $ 424,566 $ 207,000
Davidson, Tennessee 253 $ 87,875,000 $ 347,332 $ 190,000
Henry, Georgia 246 $ 80,530,000 $ 327,357 $ 128,000
Lowndes, Georgia 210 $ 44,920,000 $ 213,904 $ 88,000
Volusia, Florida 202 $ 71,220,000 $ 352,574 $ 190,000
Coweta, Georgia 198 $ 60,570,000 $ 305,909 $ 143,000
Chatham, Georgia 184 $ 46,760,000 $ 254,130 $ 150,000
Hall, Georgia 182 $ 66,190,000 $ 363,681 $ 157,000
Fairfax, Virginia 180 $ 80,700,000 $ 448,333 $ 175,000
Berkeley, South Carolina 171 $ 54,355,000 $ 317,865 $ 129,000
Paulding, Georgia 164 $ 44,470,000 $ 271,158 $ 111,000
Beaufort, South Carolina 162 $ 60,800,000 $ 375,308 $ 176,000
Prince George's, Maryland 148 $ 40,490,000 $ 273,581 $ 115,000
Flagler, Florida 145 $ 50,965,000 $ 351,482 $ 188,000
Aiken, South Carolina 143 $ 40,185,000 $ 281,013 $ 118,000
Leon, Florida 131 $ 32,055,000 $ 244,694 $ 137,000
Columbia, Georgia 125 $ 38,705,000 $ 309,640 $ 148,000
Douglas, Georgia 123 $ 32,105,000 $ 261,016 $ 163,000
Richmond, Georgia 123 $ 22,955,000 $ 186,626 $ 116,000
Loudoun, Virginia 123 $ 59,595,000 $ 484,512 $ 169,000
Fayette, Georgia 122 $ 41,900,000 $ 343,442 $ 167,000
Dorchester, South Carolina 119 $ 33,885,000 $ 284,747 $ 113,000
Clay, Florida 115 $ 40,155,000 $ 349,173 $ 163,000
Houston, Alabama 114 $ 20,570,000 $ 180,438 $ 84,000
Walton, Georgia 111 $ 35,135,000 $ 316,531 $ 129,000
Clayton, Georgia 109 $ 20,285,000 $ 186,100 $ 87,000
Bartow, Georgia 102 $ 26,560,000 $ 260,392 $ 139,000
Barrow, Georgia 100 $ 23,240,000 $ 232,400 $ 111,000
Jackson, Georgia 98 $ 34,350,000 $ 350,510 $ 159,000
Honolulu, Hawaii 97 $ 60,155,000 $ 620,154 $ 190,000
Marion, Florida 90 $ 18,780,000 $ 208,666 $ 116,000
Calhoun, Alabama 89 $ 17,955,000 $ 201,741 $ 84,000
Guilford, North Carolina 89 $ 19,975,000 $ 224,438 $ 90,000
Greenville, South Carolina 88 $ 31,540,000 $ 358,409 $ 152,000
Cook, Illinois 86 $ 30,110,000 $ 350,116 $ 198,000
Prince William, Virginia 86 $ 30,300,000 $ 352,325 $ 130,000
Mecklenburg, North Carolina 83 $ 36,555,000 $ 440,421 $ 174,000
Carroll, Georgia 81 $ 21,565,000 $ 266,234 $ 117,000
Nassau, Florida 80 $ 35,140,000 $ 439,250 $ 225,000
Jefferson, Alabama 78 $ 22,980,000 $ 294,615 $ 125,000
Floyd, Georgia 73 $ 19,665,000 $ 269,383 $ 131,000
Orange, Florida 70 $ 22,730,000 $ 324,714 $ 214,000
Forsyth, North Carolina 69 $ 18,535,000 $ 268,623 $ 109,000
Bay, Florida 68 $ 18,610,000 $ 273,676 $ 217,000
Wakulla, Florida 68 $ 13,050,000 $ 191,911 $ 103,000
Montgomery, Maryland 68 $ 21,990,000 $ 323,382 $ 117,000
Baltimore, Maryland 67 $ 16,045,000 $ 239,477 $ 101,000
Bryan, Georgia 64 $ 21,170,000 $ 330,781 $ 142,000
Anne Arundel, Maryland 62 $ 21,550,000 $ 347,580 $ 152,000
Spartanburg, South Carolina 60 $ 14,110,000 $ 235,166 $ 104,000
Sumner, Tennessee 60 $ 23,070,000 $ 384,500 $ 134,000
James City, Virginia 60 $ 22,550,000 $ 375,833 $ 159,000
Baltimore City, Maryland 58 $ 9,880,000 $ 170,344 $ 82,000
San Diego, California 57 $ 42,255,000 $ 741,315 $ 253,000
Newton, Georgia 57 $ 15,225,000 $ 267,105 $ 117,000
Effingham, Georgia 56 $ 11,710,000 $ 209,107 $ 138,000
Kershaw, South Carolina 56 $ 14,270,000 $ 254,821 $ 106,000
Anderson, South Carolina 54 $ 13,140,000 $ 243,333 $ 99,000
Dougherty, Georgia 52 $ 6,700,000 $ 128,846 $ 88,000
Liberty, Georgia 52 $ 10,940,000 $ 210,384 $ 132,000
Putnam, Florida 50 $ 9,430,000 $ 188,600 $ 108,000
Gordon, Georgia 48 $ 12,180,000 $ 253,750 $ 109,000
Chesterfield, Virginia 48 $ 13,660,000 $ 284,583 $ 118,000
Rockdale, Georgia 47 $ 9,575,000 $ 203,723 $ 258,000
Houston, Georgia 46 $ 11,600,000 $ 252,173 $ 106,000
York, South Carolina 46 $ 12,180,000 $ 264,782 $ 109,000
Rutherford, Tennessee 46 $ 16,520,000 $ 359,130 $ 124,000
Henry, Alabama 45 $ 8,345,000 $ 185,444 $ 86,000
Escambia, Florida 45 $ 15,315,000 $ 340,333 $ 174,000
Bibb, Georgia 44 $ 10,450,000 $ 237,500 $ 132,000
Clarke, Georgia 43 $ 12,595,000 $ 292,906 $ 255,000
Spalding, Georgia 42 $ 10,250,000 $ 244,047 $ 130,000
Harris, Texas 42 $ 11,280,000 $ 268,571 $ 153,000
Alameda, California 40 $ 24,270,000 $ 606,750 $ 212,000
Manatee, Florida 40 $ 10,660,000 $ 266,500 $ 138,000
Charles, Maryland 40 $ 11,680,000 $ 292,000 $ 113,000
Colquitt, Georgia 39 $ 6,625,000 $ 169,871 $ 157,000
Newport News, Virginia 39 $ 6,505,000 $ 166,794 $ 76,000
Stafford, Virginia 39 $ 14,475,000 $ 371,153 $ 163,000
Santa Rosa, Florida 38 $ 10,550,000 $ 277,631 $ 182,000
Lee, Georgia 38 $ 6,950,000 $ 182,894 $ 96,000
Spotsylvania, Virginia 38 $ 13,000,000 $ 342,105 $ 118,000
Los Angeles, California 37 $ 22,515,000 $ 608,513 $ 213,000
Georgetown, South Carolina 37 $ 15,065,000 $ 407,162 $ 213,000
Wilson, Tennessee 37 $ 13,245,000 $ 357,972 $ 140,000
Durham, North Carolina 36 $ 13,090,000 $ 363,611 $ 173,000
Wake, North Carolina 36 $ 16,610,000 $ 461,388 $ 304,000
Orangeburg, South Carolina 36 $ 5,880,000 $ 163,333 $ 117,000
Alexandria, Virginia 36 $ 13,920,000 $ 386,666 $ 183,000
Henrico, Virginia 36 $ 12,690,000 $ 352,500 $ 149,000
Maury, Tennessee 35 $ 7,185,000 $ 205,285 $ 87,000
Hampton, Virginia 35 $ 5,425,000 $ 155,000 $ 65,000
Glynn, Georgia 34 $ 8,590,000 $ 252,647 $ 185,000
Laurens, Georgia 34 $ 6,920,000 $ 203,529 $ 167,000
Williamson, Tennessee 34 $ 18,740,000 $ 551,176 $ 189,000
Lee, Florida 32 $ 13,910,000 $ 434,687 $ 211,000
Tift, Georgia 32 $ 4,020,000 $ 125,625 $ 111,000
Montgomery, Tennessee 32 $ 7,610,000 $ 237,812 $ 89,000
District of Columbia, District Of Columbia 30 $ 13,060,000 $ 435,333 $ 142,000
Brevard, Florida 30 $ 9,230,000 $ 307,666 $ 288,000
Citrus, Florida 30 $ 14,640,000 $ 488,000 $ 188,000
Sumter, South Carolina 30 $ 6,820,000 $ 227,333 $ 85,000
Chambers, Alabama 29 $ 3,585,000 $ 123,620 $ 72,000
Gilchrist, Florida 29 $ 5,885,000 $ 202,931 $ 94,000
Pasco, Florida 29 $ 15,745,000 $ 542,931 $ 250,000
Camden, Georgia 29 $ 6,035,000 $ 208,103 $ 141,000
Putnam, Georgia 29 $ 16,705,000 $ 576,034 $ 335,000
Hillsborough, Florida 28 $ 12,480,000 $ 445,714 $ 184,000
Jasper, Georgia 28 $ 4,870,000 $ 173,928 $ 109,000
Pickens, Georgia 28 $ 7,880,000 $ 281,428 $ 136,000
Will, Illinois 28 $ 8,680,000 $ 310,000 $ 128,000
Columbia, Florida 27 $ 4,115,000 $ 152,407 $ 65,000
Dawson, Georgia 27 $ 11,305,000 $ 418,703 $ 193,000
Randolph, North Carolina 27 $ 5,645,000 $ 209,074 $ 93,000
San Mateo, California 26 $ 17,760,000 $ 683,076 $ 224,000
Bulloch, Georgia 26 $ 6,330,000 $ 243,461 $ 127,000
Franklin, Ohio 26 $ 6,520,000 $ 250,769 $ 189,000
Sacramento, California 25 $ 10,135,000 $ 405,400 $ 152,000
Long, Georgia 25 $ 6,265,000 $ 250,600 $ 106,000
Oconee, Georgia 25 $ 12,655,000 $ 506,200 $ 330,000
Brunswick, North Carolina 25 $ 10,455,000 $ 418,200 $ 186,000
Walton, Florida 24 $ 9,650,000 $ 402,083 $ 201,000
Arlington, Virginia 24 $ 11,940,000 $ 497,500 $ 193,000
Lee, Alabama 23 $ 6,655,000 $ 289,347 $ 152,000
San Francisco, California 23 $ 16,945,000 $ 736,739 $ 211,000
Broward, Florida 23 $ 14,995,000 $ 651,956 $ 209,000
Butts, Georgia 23 $ 3,775,000 $ 164,130 $ 68,000
Fannin, Georgia 23 $ 11,135,000 $ 484,130 $ 356,000
Greene, Georgia 23 $ 11,645,000 $ 506,304 $ 206,000
Lake, Illinois 23 $ 8,935,000 $ 388,478 $ 283,000
Richmond City, Virginia 23 $ 6,635,000 $ 288,478 $ 116,000
Seminole, Florida 22 $ 5,660,000 $ 257,272 $ 137,000
Berrien, Georgia 22 $ 3,490,000 $ 158,636 $ 61,000
Toombs, Georgia 22 $ 2,710,000 $ 123,181 $ 109,000
Okaloosa, Florida 21 $ 8,025,000 $ 382,142 $ 155,000
Thomas, Georgia 21 $ 3,875,000 $ 184,523 $ 79,000
Howard, Maryland 21 $ 10,155,000 $ 483,571 $ 159,000
Davidson, North Carolina 21 $ 6,145,000 $ 292,619 $ 110,000
Newberry, South Carolina 21 $ 8,095,000 $ 385,476 $ 170,000
Virginia Beach, Virginia 21 $ 5,915,000 $ 281,666 $ 96,000
Haralson, Georgia 20 $ 6,110,000 $ 305,500 $ 113,000
Troup, Georgia 20 $ 4,130,000 $ 206,500 $ 129,000
Ware, Georgia 20 $ 1,990,000 $ 99,500 $ 110,000
DuPage, Illinois 20 $ 7,700,000 $ 385,000 $ 199,000
Union, North Carolina 20 $ 8,340,000 $ 417,000 $ 215,000
Edgefield, South Carolina 20 $ 6,230,000 $ 311,500 $ 138,000
Oconee, South Carolina 20 $ 6,620,000 $ 331,000 $ 136,000
Robertson, Tennessee 20 $ 6,140,000 $ 307,000 $ 118,000
Levy, Florida 19 $ 5,695,000 $ 299,736 $ 116,000
Pinellas, Florida 19 $ 7,085,000 $ 372,894 $ 180,000
Polk, Florida 19 $ 5,025,000 $ 264,473 $ 150,000
Baldwin, Georgia 19 $ 4,695,000 $ 247,105 $ 138,000
Gaston, North Carolina 19 $ 5,255,000 $ 276,578 $ 167,000
Stanly, North Carolina 19 $ 5,635,000 $ 296,578 $ 99,000
Geneva, Alabama 18 $ 2,890,000 $ 160,555 $ 72,000
Contra Costa, California 18 $ 10,580,000 $ 587,777 $ 203,000
Riverside, California 18 $ 8,440,000 $ 468,888 $ 165,000
Sonoma, California 18 $ 8,820,000 $ 490,000 $ 186,000
Lake, Florida 18 $ 5,370,000 $ 298,333 $ 149,000
Suwannee, Florida 18 $ 3,150,000 $ 175,000 $ 86,000
Harford, Maryland 18 $ 4,900,000 $ 272,222 $ 84,000
Santa Clara, California 17 $ 11,145,000 $ 655,588 $ 229,000
Liberty, Florida 17 $ 1,975,000 $ 116,176 $ 63,000
Cook, Georgia 17 $ 3,425,000 $ 201,470 $ 83,000
Grady, Georgia 17 $ 2,975,000 $ 175,000 $ 129,000
Lanier, Georgia 17 $ 3,785,000 $ 222,647 $ 110,000
Lumpkin, Georgia 17 $ 5,795,000 $ 340,882 $ 155,000
Carroll, Maryland 17 $ 6,565,000 $ 386,176 $ 117,000
Camden, Missouri 17 $ 5,465,000 $ 321,470 $ 140,000
Buncombe, North Carolina 17 $ 6,785,000 $ 399,117 $ 190,000
Pickens, South Carolina 17 $ 5,465,000 $ 321,470 $ 97,000
York, Virginia 17 $ 6,885,000 $ 405,000 $ 170,000
Brooks, Georgia 16 $ 2,350,000 $ 146,875 $ 65,000
Coffee, Georgia 16 $ 2,570,000 $ 160,625 $ 80,000
Monroe, Georgia 16 $ 7,050,000 $ 440,625 $ 216,000
Greene, Missouri 16 $ 4,920,000 $ 307,500 $ 128,000
Cabarrus, North Carolina 16 $ 6,660,000 $ 416,250 $ 186,000
Orange, North Carolina 16 $ 5,660,000 $ 353,750 $ 171,000
Blount, Alabama 15 $ 3,465,000 $ 231,000 $ 98,000
Sarasota, Florida 15 $ 7,225,000 $ 481,666 $ 302,000
Alamance, North Carolina 15 $ 4,885,000 $ 325,666 $ 121,000
Calhoun, Florida 14 $ 2,080,000 $ 148,571 $ 78,000
Morgan, Georgia 14 $ 4,860,000 $ 347,142 $ 159,000
White, Georgia 14 $ 5,030,000 $ 359,285 $ 111,000
Frederick, Maryland 14 $ 4,050,000 $ 289,285 $ 117,000
Cherokee, South Carolina 14 $ 2,730,000 $ 195,000 $ 69,000
Lancaster, South Carolina 14 $ 4,280,000 $ 305,714 $ 117,000
Laurens, South Carolina 14 $ 2,180,000 $ 155,714 $ 74,000
Dickson, Tennessee 14 $ 4,920,000 $ 351,428 $ 153,000
Knox, Tennessee 14 $ 6,150,000 $ 439,285 $ 166,000
Placer, California 13 $ 5,735,000 $ 441,153 $ 180,000
Collier, Florida 13 $ 5,925,000 $ 455,769 $ 315,000
Palm Beach, Florida 13 $ 8,045,000 $ 618,846 $ 497,000
Habersham, Georgia 13 $ 3,665,000 $ 281,923 $ 105,000
Christian, Missouri 13 $ 4,425,000 $ 340,384 $ 144,000
Sevier, Tennessee 13 $ 6,565,000 $ 505,000 $ 350,000
Salt Lake, Utah 13 $ 7,025,000 $ 540,384 $ 171,000
Norfolk, Virginia 13 $ 3,955,000 $ 304,230 $ 81,000
Dale, Alabama 12 $ 1,930,000 $ 160,833 $ 83,000
Orange, California 12 $ 7,310,000 $ 609,166 $ 307,000
Franklin, Florida 12 $ 4,740,000 $ 395,000 $ 299,000
Burke, Georgia 12 $ 2,310,000 $ 192,500 $ 79,000
Gilmer, Georgia 12 $ 6,040,000 $ 503,333 $ 284,000
Pierce, Georgia 12 $ 2,380,000 $ 198,333 $ 106,000
Cheatham, Tennessee 12 $ 4,220,000 $ 351,666 $ 174,000
Baldwin, Alabama 11 $ 3,985,000 $ 362,272 $ 279,000
Cullman, Alabama 11 $ 2,905,000 $ 264,090 $ 93,000
Talladega, Alabama 11 $ 2,535,000 $ 230,454 $ 92,000
San Bernardino, California 11 $ 4,735,000 $ 430,454 $ 138,000
Gadsden, Florida 11 $ 2,875,000 $ 261,363 $ 96,000
Sumter, Florida 11 $ 2,645,000 $ 240,454 $ 122,000
Jones, Georgia 11 $ 3,425,000 $ 311,363 $ 170,000
Harnett, North Carolina 11 $ 2,935,000 $ 266,818 $ 99,000
Clarendon, South Carolina 11 $ 2,325,000 $ 211,363 $ 97,000
Jasper, South Carolina 11 $ 2,715,000 $ 246,818 $ 116,000
Montgomery, Texas 11 $ 4,485,000 $ 407,727 $ 137,000
Utah, Utah 11 $ 5,245,000 $ 476,818 $ 150,000
Culpeper, Virginia 11 $ 3,495,000 $ 317,727 $ 114,000
Falls Church, Virginia 11 $ 4,805,000 $ 436,818 $ 154,000
Warren, Virginia 11 $ 2,725,000 $ 247,727 $ 116,000
Shelby, Alabama 10 $ 3,190,000 $ 319,000 $ 111,000
Maricopa, Arizona 10 $ 4,630,000 $ 463,000 $ 213,000
Lincoln, Georgia 10 $ 2,680,000 $ 268,000 $ 157,000
Madison, Georgia 10 $ 2,360,000 $ 236,000 $ 107,000
Marion, Georgia 10 $ 2,540,000 $ 254,000 $ 80,000
Muscogee, Georgia 10 $ 1,320,000 $ 132,000 $ 171,000
Stephens, Georgia 10 $ 4,470,000 $ 447,000 $ 165,000
Iredell, North Carolina 10 $ 3,000,000 $ 300,000 $ 144,000
Jackson, North Carolina 10 $ 7,410,000 $ 741,000 $ 295,000
Rockingham, North Carolina 10 $ 2,550,000 $ 255,000 $ 71,000
Colleton, South Carolina 10 $ 3,230,000 $ 323,000 $ 133,000
Hamilton, Tennessee 10 $ 4,870,000 $ 487,000 $ 160,000
Bexar, Texas 10 $ 3,300,000 $ 330,000 $ 137,000
St. Clair, Alabama 9 $ 2,665,000 $ 296,111 $ 111,000
San Joaquin, California 9 $ 4,225,000 $ 469,444 $ 149,000
Ventura, California 9 $ 5,585,000 $ 620,555 $ 199,000
Hamilton, Florida 9 $ 1,595,000 $ 177,222 $ 93,000
Hart, Georgia 9 $ 2,825,000 $ 313,888 $ 135,000
Montgomery, Georgia 9 $ 795,000 $ 88,333 $ 60,000
Schley, Georgia 9 $ 905,000 $ 100,555 $ 112,000
Taylor, Georgia 9 $ 755,000 $ 83,888 $ 118,000
St. Mary's, Maryland 9 $ 1,995,000 $ 221,666 $ 81,000
Cumberland, North Carolina 9 $ 2,275,000 $ 252,777 $ 113,000
Henderson, North Carolina 9 $ 3,635,000 $ 403,888 $ 196,000
Johnston, North Carolina 9 $ 3,175,000 $ 352,777 $ 115,000
Macon, North Carolina 9 $ 5,245,000 $ 582,777 $ 378,000
Marshall, Tennessee 9 $ 2,155,000 $ 239,444 $ 122,000
Davis, Utah 9 $ 4,865,000 $ 540,555 $ 174,000
Fauquier, Virginia 9 $ 3,215,000 $ 357,222 $ 123,000
Coffee, Alabama 8 $ 2,760,000 $ 345,000 $ 108,000
Etowah, Alabama 8 $ 2,260,000 $ 282,500 $ 90,000
Charlotte, Florida 8 $ 2,650,000 $ 331,250 $ 185,000
Dixie, Florida 8 $ 830,000 $ 103,750 $ 47,000
Miami-Dade, Florida 8 $ 3,950,000 $ 493,750 $ 234,000
Banks, Georgia 8 $ 2,300,000 $ 287,500 $ 99,000
Lamar, Georgia 8 $ 2,230,000 $ 278,750 $ 153,000
Meriwether, Georgia 8 $ 2,180,000 $ 272,500 $ 213,000
Polk, Georgia 8 $ 2,420,000 $ 302,500 $ 227,000
Sumter, Georgia 8 $ 1,330,000 $ 166,250 $ 84,000
Upson, Georgia 8 $ 1,510,000 $ 188,750 $ 83,000
Taney, Missouri 8 $ 1,730,000 $ 216,250 $ 114,000
Rowan, North Carolina 8 $ 2,230,000 $ 278,750 $ 111,000
Calhoun, South Carolina 8 $ 1,530,000 $ 191,250 $ 78,000
Fairfield, South Carolina 8 $ 2,870,000 $ 358,750 $ 105,000
Denton, Texas 8 $ 3,660,000 $ 457,500 $ 186,000
Frederick, Virginia 8 $ 2,360,000 $ 295,000 $ 117,000
Petersburg, Virginia 8 $ 800,000 $ 100,000 $ 57,000
Westmoreland, Virginia 8 $ 2,140,000 $ 267,500 $ 93,000
Madison, Alabama 7 $ 1,625,000 $ 232,142 $ 77,000
Tallapoosa, Alabama 7 $ 1,455,000 $ 207,857 $ 94,000
Marin, California 7 $ 4,415,000 $ 630,714 $ 273,000
Solano, California 7 $ 4,045,000 $ 577,857 $ 286,000
Baker, Florida 7 $ 1,025,000 $ 146,428 $ 101,000
Brantley, Georgia 7 $ 775,000 $ 110,714 $ 99,000
Seminole, Georgia 7 $ 865,000 $ 123,571 $ 68,000
Walker, Georgia 7 $ 1,575,000 $ 225,000 $ 129,000
Worth, Georgia 7 $ 945,000 $ 135,000 $ 103,000
Washington, Maryland 7 $ 1,705,000 $ 243,571 $ 73,000
Moore, North Carolina 7 $ 1,865,000 $ 266,428 $ 168,000
New Hanover, North Carolina 7 $ 3,055,000 $ 436,428 $ 174,000
Onslow, North Carolina 7 $ 2,095,000 $ 299,285 $ 101,000
Abbeville, South Carolina 7 $ 1,225,000 $ 175,000 $ 107,000
Union, South Carolina 7 $ 955,000 $ 136,428 $ 320,000
Dallas, Texas 7 $ 3,185,000 $ 455,000 $ 274,000
Fort Bend, Texas 7 $ 2,245,000 $ 320,714 $ 146,000
Galveston, Texas 7 $ 2,865,000 $ 409,285 $ 187,000
Tarrant, Texas 7 $ 4,515,000 $ 645,000 $ 239,000
Clarke, Virginia 7 $ 1,615,000 $ 230,714 $ 84,000
Waukesha, Wisconsin 7 $ 3,355,000 $ 479,285 $ 207,000
Amador, California 6 $ 3,110,000 $ 518,333 $ 180,000
Denver, Colorado 6 $ 3,090,000 $ 515,000 $ 165,000
El Paso, Colorado 6 $ 2,570,000 $ 428,333 $ 115,000
Gulf, Florida 6 $ 4,000,000 $ 666,666 $ 297,000
Union, Florida 6 $ 1,250,000 $ 208,333 $ 96,000
Washington, Florida 6 $ 1,370,000 $ 228,333 $ 132,000
Franklin, Georgia 6 $ 1,560,000 $ 260,000 $ 85,000
Irwin, Georgia 6 $ 460,000 $ 76,666 $ 50,000
McIntosh, Georgia 6 $ 2,430,000 $ 405,000 $ 222,000
Union, Georgia 6 $ 2,900,000 $ 483,333 $ 218,000
Washington, Georgia 6 $ 970,000 $ 161,666 $ 79,000
Kane, Illinois 6 $ 2,110,000 $ 351,666 $ 110,000
Calvert, Maryland 6 $ 2,330,000 $ 388,333 $ 175,000
Person, North Carolina 6 $ 1,780,000 $ 296,666 $ 117,000
Stokes, North Carolina 6 $ 1,450,000 $ 241,666 $ 87,000
Cuyahoga, Ohio 6 $ 1,320,000 $ 220,000 $ 136,000
Montgomery, Ohio 6 $ 1,140,000 $ 190,000 $ 119,000
McCormick, South Carolina 6 $ 1,910,000 $ 318,333 $ 111,000
Saluda, South Carolina 6 $ 1,700,000 $ 283,333 $ 141,000
Franklin, Tennessee 6 $ 1,240,000 $ 206,666 $ 70,000
Travis, Texas 6 $ 3,320,000 $ 553,333 $ 644,000
Caroline, Virginia 6 $ 2,490,000 $ 415,000 $ 126,000
Hanover, Virginia 6 $ 2,840,000 $ 473,333 $ 160,000
Isle of Wight, Virginia 6 $ 1,970,000 $ 328,333 $ 146,000
Suffolk, Virginia 6 $ 2,070,000 $ 345,000 $ 110,000
Pierce, Washington 6 $ 3,050,000 $ 508,333 $ 154,000
Berkeley, West Virginia 6 $ 1,720,000 $ 286,666 $ 107,000
Autauga, Alabama 5 $ 1,435,000 $ 287,000 $ 100,000
Barbour, Alabama 5 $ 1,095,000 $ 219,000 $ 131,000
Cherokee, Alabama 5 $ 1,055,000 $ 211,000 $ 153,000
Limestone, Alabama 5 $ 2,195,000 $ 439,000 $ 118,000
Stanislaus, California 5 $ 2,225,000 $ 445,000 $ 203,000
Monroe, Florida 5 $ 3,325,000 $ 665,000 $ 323,000
Osceola, Florida 5 $ 2,135,000 $ 427,000 $ 340,000
St. Lucie, Florida 5 $ 1,355,000 $ 271,000 $ 101,000
Atkinson, Georgia 5 $ 775,000 $ 155,000 $ 80,000
Clinch, Georgia 5 $ 695,000 $ 139,000 $ 65,000
Harris, Georgia 5 $ 1,625,000 $ 325,000 $ 153,000
Miller, Georgia 5 $ 505,000 $ 101,000 $ 72,000
Pike, Georgia 5 $ 1,865,000 $ 373,000 $ 183,000
Rabun, Georgia 5 $ 6,635,000 $ 1,327,000 $ 652,000
Whitfield, Georgia 5 $ 545,000 $ 109,000 $ 70,000
Hawaii, Hawaii 5 $ 2,345,000 $ 469,000 $ 137,000
McHenry, Illinois 5 $ 2,305,000 $ 461,000 $ 382,000
Lake, Indiana 5 $ 1,525,000 $ 305,000 $ 120,000
Catawba, North Carolina 5 $ 1,435,000 $ 287,000 $ 121,000
Dare, North Carolina 5 $ 2,605,000 $ 521,000 $ 432,000
Rutherford, North Carolina 5 $ 1,885,000 $ 377,000 $ 213,000
Watauga, North Carolina 5 $ 3,465,000 $ 693,000 $ 432,000
Multnomah, Oregon 5 $ 2,345,000 $ 469,000 $ 130,000
Chester, South Carolina 5 $ 1,015,000 $ 203,000 $ 88,000
Smith, Tennessee 5 $ 895,000 $ 179,000 $ 76,000
Brazoria, Texas 5 $ 2,025,000 $ 405,000 $ 146,000
Williamson, Texas 5 $ 2,585,000 $ 517,000 $ 172,000
Cache, Utah 5 $ 2,405,000 $ 481,000 $ 237,000
King George, Virginia 5 $ 1,475,000 $ 295,000 $ 113,000
Portsmouth, Virginia 5 $ 1,125,000 $ 225,000 $ 91,000
Shenandoah, Virginia 5 $ 1,295,000 $ 259,000 $ 93,000
King, Washington 5 $ 3,105,000 $ 621,000 $ 211,000
Milwaukee, Wisconsin 5 $ 1,065,000 $ 213,000 $ 135,000
Carroll, Arkansas 4 $ 1,180,000 $ 295,000 $ 94,000
El Dorado, California 4 $ 2,110,000 $ 527,500 $ 182,000
Nevada, California 4 $ 1,480,000 $ 370,000 $ 275,000
Bradford, Florida 4 $ 1,110,000 $ 277,500 $ 124,000
Jackson, Florida 4 $ 1,160,000 $ 290,000 $ 120,000
Charlton, Georgia 4 $ 560,000 $ 140,000 $ 70,000
Crisp, Georgia 4 $ 330,000 $ 82,500 $ 57,000
Decatur, Georgia 4 $ 1,390,000 $ 347,500 $ 185,000
Elbert, Georgia 4 $ 750,000 $ 187,500 $ 117,000
Heard, Georgia 4 $ 840,000 $ 210,000 $ 86,000
Oglethorpe, Georgia 4 $ 1,040,000 $ 260,000 $ 111,000
Wilkes, Georgia 4 $ 650,000 $ 162,500 $ 84,000
Maui, Hawaii 4 $ 2,740,000 $ 685,000 $ 646,000
Worcester, Maryland 4 $ 1,630,000 $ 407,500 $ 159,000
Harrison, Mississippi 4 $ 990,000 $ 247,500 $ 153,000
Miller, Missouri 4 $ 1,360,000 $ 340,000 $ 179,000
Osage, Missouri 4 $ 890,000 $ 222,500 $ 78,000
Stone, Missouri 4 $ 890,000 $ 222,500 $ 93,000
Caldwell, North Carolina 4 $ 1,020,000 $ 255,000 $ 204,000
Carteret, North Carolina 4 $ 1,900,000 $ 475,000 $ 309,000
Chatham, North Carolina 4 $ 1,110,000 $ 277,500 $ 155,000
Cherokee, North Carolina 4 $ 1,360,000 $ 340,000 $ 190,000
Haywood, North Carolina 4 $ 800,000 $ 200,000 $ 128,000
Pitt, North Carolina 4 $ 960,000 $ 240,000 $ 133,000
Washington, Oregon 4 $ 1,840,000 $ 460,000 $ 192,000
Trousdale, Tennessee 4 $ 1,440,000 $ 360,000 $ 110,000
Collin, Texas 4 $ 1,860,000 $ 465,000 $ 139,000
Washington, Utah 4 $ 1,980,000 $ 495,000 $ 140,000
Fairfax City, Virginia 4 $ 2,340,000 $ 585,000 $ 154,000
Fredericksburg, Virginia 4 $ 1,700,000 $ 425,000 $ 241,000
Gloucester, Virginia 4 $ 1,010,000 $ 252,500 $ 100,000
Manassas, Virginia 4 $ 900,000 $ 225,000 $ 106,000
Poquoson, Virginia 4 $ 1,000,000 $ 250,000 $ 103,000
Prince George, Virginia 4 $ 690,000 $ 172,500 $ 50,000
Jefferson, West Virginia 4 $ 1,130,000 $ 282,500 $ 142,000
Escambia, Alabama 3 $ 445,000 $ 148,333 $ 57,000
Randolph, Alabama 3 $ 1,315,000 $ 438,333 $ 222,000
Boone, Arkansas 3 $ 885,000 $ 295,000 $ 146,000
Pulaski, Arkansas 3 $ 735,000 $ 245,000 $ 92,000
Arapahoe, Colorado 3 $ 2,065,000 $ 688,333 $ 295,000
Larimer, Colorado 3 $ 1,205,000 $ 401,666 $ 135,000
Sussex, Delaware 3 $ 1,095,000 $ 365,000 $ 340,000
Hernando, Florida 3 $ 2,045,000 $ 681,666 $ 166,000
Highlands, Florida 3 $ 825,000 $ 275,000 $ 100,000
Holmes, Florida 3 $ 1,065,000 $ 355,000 $ 139,000
Madison, Florida 3 $ 635,000 $ 211,666 $ 116,000
Appling, Georgia 3 $ 815,000 $ 271,666 $ 90,000
Ben Hill, Georgia 3 $ 315,000 $ 105,000 $ 57,000
Catoosa, Georgia 3 $ 575,000 $ 191,666 $ 55,000
Dooly, Georgia 3 $ 785,000 $ 261,666 $ 90,000
Jefferson, Georgia 3 $ 935,000 $ 311,666 $ 117,000
Jenkins, Georgia 3 $ 545,000 $ 181,666 $ 93,000
McDuffie, Georgia 3 $ 415,000 $ 138,333 $ 54,000
Peach, Georgia 3 $ 775,000 $ 258,333 $ 77,000
Pulaski, Georgia 3 $ 705,000 $ 235,000 $ 189,000
Treutlen, Georgia 3 $ 175,000 $ 58,333 $ 66,000
Wayne, Georgia 3 $ 655,000 $ 218,333 $ 115,000
Ada, Idaho 3 $ 1,535,000 $ 511,666 $ 189,000
Washington, Iowa 3 $ 355,000 $ 118,333 $ 107,000
Wicomico, Maryland 3 $ 605,000 $ 201,666 $ 84,000
Oakland, Michigan 3 $ 1,775,000 $ 591,666 $ 210,000
Howell, Missouri 3 $ 905,000 $ 301,666 $ 86,000
Ashe, North Carolina 3 $ 855,000 $ 285,000 $ 172,000
Davie, North Carolina 3 $ 745,000 $ 248,333 $ 120,000
Lincoln, North Carolina 3 $ 645,000 $ 215,000 $ 85,000
Pender, North Carolina 3 $ 945,000 $ 315,000 $ 103,000
Polk, North Carolina 3 $ 1,375,000 $ 458,333 $ 209,000
Swain, North Carolina 3 $ 1,165,000 $ 388,333 $ 191,000
Warren, North Carolina 3 $ 1,405,000 $ 468,333 $ 206,000
Wilkes, North Carolina 3 $ 645,000 $ 215,000 $ 93,000
Hamilton, Ohio 3 $ 275,000 $ 91,666 $ 44,000
Clackamas, Oregon 3 $ 1,155,000 $ 385,000 $ 134,000
Bamberg, South Carolina 3 $ 515,000 $ 171,666 $ 87,000
Florence, South Carolina 3 $ 755,000 $ 251,666 $ 150,000
Greenwood, South Carolina 3 $ 995,000 $ 331,666 $ 103,000
Lewis, Tennessee 3 $ 975,000 $ 325,000 $ 126,000
Cameron, Texas 3 $ 875,000 $ 291,666 $ 117,000
Rockwall, Texas 3 $ 1,075,000 $ 358,333 $ 201,000
Lynchburg, Virginia 3 $ 735,000 $ 245,000 $ 200,000
Manassas Park, Virginia 3 $ 625,000 $ 208,333 $ 75,000
Orange, Virginia 3 $ 1,025,000 $ 341,666 $ 124,000
Clark, Washington 3 $ 1,175,000 $ 391,666 $ 109,000
Thurston, Washington 3 $ 1,525,000 $ 508,333 $ 176,000
Kenosha, Wisconsin 3 $ 1,085,000 $ 361,666 $ 136,000
Racine, Wisconsin 3 $ 555,000 $ 185,000 $ 147,000
Chilton, Alabama 2 $ 800,000 $ 400,000 $ 103,000
Clay, Alabama 2 $ 480,000 $ 240,000 $ 101,000
Elmore, Alabama 2 $ 730,000 $ 365,000 $ 145,000
Jackson, Alabama 2 $ 710,000 $ 355,000 $ 144,000
Marshall, Alabama 2 $ 650,000 $ 325,000 $ 169,000
Mobile, Alabama 2 $ 780,000 $ 390,000 $ 199,000
Montgomery, Alabama 2 $ 360,000 $ 180,000 $ 100,000
Morgan, Alabama 2 $ 530,000 $ 265,000 $ 77,000
Pike, Alabama 2 $ 590,000 $ 295,000 $ 77,000
Russell, Alabama 2 $ 430,000 $ 215,000 $ 51,000
Tuscaloosa, Alabama 2 $ 1,440,000 $ 720,000 $ 252,000
Pima, Arizona 2 $ 730,000 $ 365,000 $ 319,000
Pinal, Arizona 2 $ 730,000 $ 365,000 $ 82,000
Yavapai, Arizona 2 $ 690,000 $ 345,000 $ 109,000
Benton, Arkansas 2 $ 1,410,000 $ 705,000 $ 192,000
Faulkner, Arkansas 2 $ 810,000 $ 405,000 $ 181,000
Washington, Arkansas 2 $ 680,000 $ 340,000 $ 85,000
Calaveras, California 2 $ 770,000 $ 385,000 $ 293,000
Fresno, California 2 $ 950,000 $ 475,000 $ 241,000
Mono, California 2 $ 750,000 $ 375,000 $ 269,000
Yolo, California 2 $ 1,110,000 $ 555,000 $ 223,000
Weld, Colorado 2 $ 1,150,000 $ 575,000 $ 144,000
New Haven, Connecticut 2 $ 540,000 $ 270,000 $ 134,000
Kent, Delaware 2 $ 530,000 $ 265,000 $ 96,000
Lafayette, Florida 2 $ 390,000 $ 195,000 $ 106,000
Martin, Florida 2 $ 760,000 $ 380,000 $ 589,000
Taylor, Florida 2 $ 180,000 $ 90,000 $ 72,000
Candler, Georgia 2 $ 270,000 $ 135,000 $ 83,000
Early, Georgia 2 $ 270,000 $ 135,000 $ 48,000
Johnson, Georgia 2 $ 500,000 $ 250,000 $ 84,000
Mitchell, Georgia 2 $ 320,000 $ 160,000 $ 91,000
Tattnall, Georgia 2 $ 360,000 $ 180,000 $ 199,000
Terrell, Georgia 2 $ 490,000 $ 245,000 $ 99,000
Warren, Georgia 2 $ 600,000 $ 300,000 $ 122,000
Wheeler, Georgia 2 $ 130,000 $ 65,000 $ 102,000
Wilkinson, Georgia 2 $ 330,000 $ 165,000 $ 173,000
Kauai, Hawaii 2 $ 900,000 $ 450,000 $ 121,000
Canyon, Idaho 2 $ 750,000 $ 375,000 $ 98,000
Kendall, Illinois 2 $ 670,000 $ 335,000 $ 91,000
Marion, Indiana 2 $ 270,000 $ 135,000 $ 68,000
Warren, Kentucky 2 $ 590,000 $ 295,000 $ 116,000
East Baton Rouge, Louisiana 2 $ 780,000 $ 390,000 $ 139,000
Queen Anne's, Maryland 2 $ 810,000 $ 405,000 $ 98,000
Emmet, Michigan 2 $ 2,720,000 $ 1,360,000 $ 567,000
Anoka, Minnesota 2 $ 1,250,000 $ 625,000 $ 149,000
Hennepin, Minnesota 2 $ 1,110,000 $ 555,000 $ 199,000
Clay, Missouri 2 $ 540,000 $ 270,000 $ 91,000
Jasper, Missouri 2 $ 560,000 $ 280,000 $ 270,000
Polk, Missouri 2 $ 710,000 $ 355,000 $ 124,000
St. Louis, Missouri 2 $ 90,000 $ 45,000 $ 128,000
Webster, Missouri 2 $ 370,000 $ 185,000 $ 94,000
Bergen, New Jersey 2 $ 1,320,000 $ 660,000 $ 224,000
Santa Fe, New Mexico 2 $ 560,000 $ 280,000 $ 118,000
Cleveland, North Carolina 2 $ 720,000 $ 360,000 $ 130,000
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Mortgage Loan Application Detail Totals for Ameris Bank in 2023

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 15,316 $5,376,710,000 $351,000 $3,675,000 $156,000 $5,871,000
Cash-out Refinancing 1,120 $348,500,000 $311,000 $4,005,000 $170,000 $3,284,000
Home Improvement 1,007 $137,035,000 $136,000 $2,005,000 $159,000 $3,279,000
Other Purpose 647 $112,865,000 $174,000 $4,005,000 $176,000 $7,557,000
Refinancing 585 $201,785,000 $344,000 $2,955,000 $163,000 $2,362,000
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 10,293 $3,417,285,000 $332,000 $4,005,000 $166,000 $5,060,000
Not Provided 2,673 $972,325,000 $363,000 $3,505,000 $174,000 $5,871,000
Black or African American 2,588 $727,680,000 $281,000 $2,955,000 $126,000 $7,557,000
Hispanic 1,536 $444,140,000 $289,000 $3,005,000 $124,000 $3,949,000
Asian 1,340 $542,130,000 $404,000 $2,765,000 $171,000 $2,735,000
Not applicable 110 $33,050,000 $300,000 $2,255,000 $0 $0
American Indian or Alaskan Native 86 $23,760,000 $276,000 $775,000 $129,000 $1,476,000
Native Hawaiian or Other Pacific Islander 22 $10,300,000 $468,000 $1,085,000 $144,000 $260,000

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) 14,427 $4,782,375,000 $331,000 $4,005,000 $174,000 $7,557,000
FHA-insured (Federal Housing Administration) 2,712 $804,160,000 $296,000 $905,000 $96,000 $687,000
VA-guaranteed (Veterans Administration) 1,402 $563,200,000 $401,000 $1,545,000 $128,000 $1,652,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 134 $27,160,000 $202,000 $575,000 $76,000 $251,000

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 13,066 $4,374,230,000 $334,000 $2,955,000 $158,000 $5,871,000
Application Withdrawn By Applicant 3,540 $1,272,970,000 $359,000 $3,005,000 $167,000 $4,556,000
Application Denied By Financial Institution 1,527 $345,215,000 $226,000 $3,505,000 $123,000 $7,557,000
File Closed For Incompleteness 351 $122,365,000 $348,000 $4,005,000 $202,000 $3,279,000
Application Approved But Not Accepted 142 $46,640,000 $328,000 $3,675,000 $192,000 $1,371,000
Loan Purchased By The Institution 49 $15,475,000 $315,000 $715,000 $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 17,148 $5,831,680,000 $340,000 $4,005,000 $161,000 $5,871,000
Debt-To-Income Ratio 868 $196,590,000 $226,000 $3,505,000 $91,000 $1,033,000
Collateral 224 $32,310,000 $144,000 $2,805,000 $174,000 $2,200,000
Credit History 222 $45,960,000 $207,000 $2,705,000 $159,000 $7,557,000
Other 86 $27,500,000 $319,000 $2,225,000 $167,000 $1,349,000
Unverifiable Information 81 $27,405,000 $338,000 $1,905,000 $158,000 $1,252,000
Employment History 24 $6,420,000 $267,000 $885,000 $112,000 $600,000
Credit Application Incomplete 20 $5,900,000 $295,000 $585,000 $222,000 $1,629,000
Insufficient Cash (Downpayment, Closing Cost) 2 $3,130,000 $1,565,000 $2,255,000 $1,000 $1,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Ameris Bank's 2023 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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