Ameris Bank Mortgage Lending & HMDA Data, 2017
In 2017, Ameris Bank of Atlanta, GA reported 10,212 mortgage applications totaling $2.3 billion, down 4% from 2016. The average application was for $228,323, and applicants reported an average income of $98,548. 74% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Columbia, SC (1,564), Atlanta-Sandy Springs-Roswell, GA (1,141) and Charleston-North Charleston, SC (936) (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 | 10,212 |
| Total Mortgage Loan Application Amount | $2,331,644,000 |
| Average Mortgage Loan Application Amount | $228,323 |
| Highest Mortgage Loan Application Amount | $31,000,000 |
| Average Applicant Income | $98,548 |
| Highest Applicant Income | $3,448,000 |
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Act (HMDA) records Ameris Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Columbia, SC | 1,564 | $ 306,300,000 | $ 195,843 | $ 79,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1,141 | $ 272,045,000 | $ 238,426 | $ 101,000 |
| Charleston-North Charleston, SC | 936 | $ 271,882,000 | $ 290,472 | $ 110,000 |
| Jacksonville, FL | 844 | $ 248,795,000 | $ 294,780 | $ 129,000 |
| Savannah, GA | 525 | $ 130,925,000 | $ 249,380 | $ 89,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 453 | $ 120,670,000 | $ 266,379 | $ 120,000 |
| Gainesville, FL | 353 | $ 80,890,000 | $ 229,150 | $ 110,000 |
| Tallahassee, FL | 282 | $ 85,930,000 | $ 304,716 | $ 114,000 |
| Greenville-Anderson-Mauldin, SC | 249 | $ 53,667,000 | $ 215,530 | $ 91,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 225 | $ 53,625,000 | $ 238,333 | $ 126,000 |
| Ocala, FL | 218 | $ 30,581,000 | $ 140,279 | $ 61,000 |
| Anniston-Oxford-Jacksonville, AL | 185 | $ 24,622,000 | $ 133,091 | $ 62,000 |
| Birmingham-Hoover, AL | 179 | $ 32,268,000 | $ 180,268 | $ 75,000 |
| Charlotte-Concord-Gastonia, NC-SC | 169 | $ 51,660,000 | $ 305,680 | $ 120,615 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 130 | $ 22,849,000 | $ 175,761 | $ 110,176 |
| Panama City, FL | 122 | $ 20,285,000 | $ 166,270 | $ 88,000 |
| Hinesville, GA | 112 | $ 14,580,000 | $ 130,178 | $ 71,000 |
| Albany, GA | 110 | $ 13,125,000 | $ 119,318 | $ 63,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 106 | $ 32,640,000 | $ 307,924 | $ 211,000 |
| Augusta-Richmond County, GA-SC | 81 | $ 16,085,000 | $ 198,580 | $ 83,037 |
| Sumter, SC | 76 | $ 13,404,000 | $ 176,368 | $ 70,000 |
| Brunswick, GA | 71 | $ 17,243,000 | $ 242,859 | $ 132,000 |
| Dothan, AL | 71 | $ 9,420,000 | $ 132,676 | $ 87,000 |
| Spartanburg, SC | 52 | $ 24,745,000 | $ 475,865 | $ 68,000 |
| Crestview-Fort Walton Beach-Destin, FL | 49 | $ 25,778,000 | $ 526,081 | $ 283,000 |
| Valdosta, GA | 49 | $ 7,725,000 | $ 157,653 | $ 81,000 |
| Tampa-St. Petersburg-Clearwater, FL | 48 | $ 9,516,000 | $ 198,250 | $ 103,000 |
| Warner Robins, GA | 48 | $ 9,672,000 | $ 201,500 | $ 94,000 |
| Orlando-Kissimmee-Sanford, FL | 47 | $ 10,968,000 | $ 233,361 | $ 102,000 |
| The Villages, FL | 46 | $ 9,331,000 | $ 202,847 | $ 99,000 |
| Lakeland-Winter Haven, FL | 39 | $ 6,203,000 | $ 159,051 | $ 63,000 |
| Pensacola-Ferry Pass-Brent, FL | 39 | $ 6,074,000 | $ 155,743 | $ 84,000 |
| Macon-Bibb County, GA | 32 | $ 5,672,000 | $ 177,250 | $ 70,000 |
| Knoxville, TN | 27 | $ 5,222,000 | $ 193,407 | $ 78,000 |
| Columbus, GA-AL | 24 | $ 2,075,000 | $ 86,458 | $ 56,000 |
| Sebring, FL | 22 | $ 2,292,000 | $ 104,181 | $ 43,000 |
| Gainesville, GA | 21 | $ 5,511,000 | $ 262,428 | $ 122,000 |
| North Port-Sarasota-Bradenton, FL | 18 | $ 7,517,000 | $ 417,611 | $ 182,000 |
| Port St. Lucie, FL | 16 | $ 3,046,000 | $ 190,375 | $ 72,000 |
| Staunton-Waynesboro, VA | 16 | $ 3,618,000 | $ 226,125 | $ 100,000 |
| Clarksville, TN-KY | 12 | $ 2,022,000 | $ 168,500 | $ 68,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 12 | $ 3,927,000 | $ 327,250 | $ 86,000 |
| Athens-Clarke County, GA | 10 | $ 5,292,000 | $ 529,200 | $ 64,000 |
| New Orleans-Metairie, LA | 10 | $ 3,071,000 | $ 307,100 | $ 92,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 888,000 | $ 98,666 | $ 59,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 9 | $ 2,431,000 | $ 270,111 | $ 61,000 |
| Chicago-Naperville-Arlington Heights, IL | 8 | $ 5,268,000 | $ 658,500 | $ 398,000 |
| Rome, GA | 8 | $ 1,876,000 | $ 234,500 | $ 103,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 8 | $ 3,253,000 | $ 406,625 | $ 185,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 1,260,000 | $ 180,000 | $ 94,000 |
| Florence, SC | 7 | $ 1,380,000 | $ 197,142 | $ 107,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 4,522,000 | $ 646,000 | $ 86,000 |
| Auburn-Opelika, AL | 6 | $ 921,000 | $ 153,500 | $ 46,000 |
| Chattanooga, TN-GA | 6 | $ 965,000 | $ 160,833 | $ 93,500 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 2,395,000 | $ 399,166 | $ 374,000 |
| Gadsden, AL | 5 | $ 658,000 | $ 131,600 | $ 48,000 |
| Homosassa Springs, FL | 5 | $ 610,000 | $ 122,000 | $ 61,000 |
| Memphis, TN-MS-AR | 5 | $ 839,000 | $ 167,800 | $ 103,000 |
| Charlottesville, VA | 4 | $ 1,568,000 | $ 392,000 | $ 168,000 |
| Cleveland-Elyria, OH | 4 | $ 432,000 | $ 108,000 | $ 62,000 |
| Daphne-Fairhope-Foley, AL | 4 | $ 866,000 | $ 216,500 | $ 58,000 |
| Huntsville, AL | 4 | $ 647,000 | $ 161,750 | $ 54,000 |
| San Diego-Carlsbad, CA | 4 | $ 1,589,000 | $ 397,250 | $ 800,000 |
| Toledo, OH | 4 | $ 460,000 | $ 115,000 | $ 47,000 |
| Asheville, NC | 3 | $ 525,000 | $ 175,000 | $ 57,000 |
| Colorado Springs, CO | 3 | $ 536,000 | $ 178,666 | $ 56,000 |
| Dalton, GA | 3 | $ 385,000 | $ 128,333 | $ 117,000 |
| Greensboro-High Point, NC | 3 | $ 654,000 | $ 218,000 | $ 154,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 1,784,000 | $ 594,666 | $ 206,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 1,700,000 | $ 566,666 | $ 92,000 |
| Morristown, TN | 3 | $ 387,000 | $ 129,000 | $ 36,000 |
| Portland-South Portland, ME | 3 | $ 1,298,000 | $ 432,666 | $ 596,000 |
| Punta Gorda, FL | 3 | $ 899,000 | $ 299,666 | $ 172,000 |
| Richmond, VA | 3 | $ 1,320,000 | $ 440,000 | $ 190,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 734,000 | $ 244,666 | $ 0 |
| Sebastian-Vero Beach, FL | 3 | $ 285,000 | $ 95,000 | $ 82,000 |
| Tuscaloosa, AL | 3 | $ 13,853,000 | $ 4,617,666 | $ 31,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 3,224,000 | $ 1,612,000 | $ 416,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 681,000 | $ 340,500 | $ 178,000 |
| Columbus, OH | 2 | $ 380,000 | $ 190,000 | $ 129,000 |
| Dallas-Plano-Irving, TX | 2 | $ 980,000 | $ 490,000 | $ 164,000 |
| Dover, DE | 2 | $ 406,000 | $ 203,000 | $ 142,000 |
| Fort Worth-Arlington, TX | 2 | $ 814,000 | $ 407,000 | $ 263,000 |
| Lima, OH | 2 | $ 262,000 | $ 131,000 | $ 55,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 2,723,000 | $ 1,361,500 | $ 156,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 1,330,000 | $ 665,000 | $ 368,000 |
| Mobile, AL | 2 | $ 487,000 | $ 243,500 | $ 246,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 1,064,000 | $ 532,000 | $ 221,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 1,843,000 | $ 921,500 | $ 81,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 359,000 | $ 179,500 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,618,000 | $ 809,000 | $ 166,000 |
| Santa Fe, NM | 2 | $ 777,000 | $ 388,500 | $ 189,000 |
| Wilmington, NC | 2 | $ 676,000 | $ 338,000 | $ 248,000 |
| Akron, OH | 1 | $ 101,000 | $ 101,000 | $ 25,000 |
| Austin-Round Rock, TX | 1 | $ 264,000 | $ 264,000 | $ 55,000 |
| Bakersfield, CA | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 556,000 | $ 556,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 293,000 | $ 293,000 | $ 90,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 424,000 | $ 424,000 | $ 155,000 |
| Burlington, NC | 1 | $ 108,000 | $ 108,000 | $ 20,000 |
| Cincinnati, OH-KY-IN | 1 | $ 318,000 | $ 318,000 | $ 118,000 |
| Durham-Chapel Hill, NC | 1 | $ 420,000 | $ 420,000 | $ 231,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 130,000 | $ 130,000 | $ 27,000 |
| Florence-Muscle Shoals, AL | 1 | $ 252,000 | $ 252,000 | $ 93,000 |
| Fort Collins, CO | 1 | $ 736,000 | $ 736,000 | $ 0 |
| Fresno, CA | 1 | $ 472,000 | $ 472,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Greenville, NC | 1 | $ 102,000 | $ 102,000 | $ 46,000 |
| Harrisonburg, VA | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 296,000 | $ 296,000 | $ 108,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 210,000 | $ 210,000 | $ 75,000 |
| Jackson, TN | 1 | $ 108,000 | $ 108,000 | $ 38,000 |
| Johnson City, TN | 1 | $ 212,000 | $ 212,000 | $ 80,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 560,000 | $ 560,000 | $ 849,000 |
| Lexington-Fayette, KY | 1 | $ 209,000 | $ 209,000 | $ 415,000 |
| Madera, CA | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Medford, OR | 1 | $ 282,000 | $ 282,000 | $ 0 |
| Montgomery, AL | 1 | $ 128,000 | $ 128,000 | $ 35,000 |
| Philadelphia, PA | 1 | $ 333,000 | $ 333,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 751,000 | $ 751,000 | $ 215,000 |
| Roanoke, VA | 1 | $ 152,000 | $ 152,000 | $ 64,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 379,000 | $ 379,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,116,000 | $ 1,116,000 | $ 178,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 234,000 | $ 234,000 | $ 136,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 185,000 | $ 185,000 | $ 150,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 471,000 | $ 471,000 | $ 0 |
| Yuba City, CA | 1 | $ 577,000 | $ 577,000 | $ 272,000 |
Mortgage Loan Application Detail Totals for Ameris Bank in 2017
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 | 8,218 | $1,860,145,000 | $226,000 | $31,000,000 | $95,000 | $3,448,000 |
| Refinancing | 1,863 | $438,499,000 | $235,000 | $3,500,000 | $116,000 | $3,165,000 |
| Home Improvement | 131 | $33,000,000 | $251,000 | $16,250,000 | $73,000 | $413,000 |
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 | 7,267 | $1,579,995,000 | $217,000 | $4,500,000 | $105,000 | $3,448,000 |
| Black or African American | 1,244 | $225,441,000 | $181,000 | $1,262,000 | $74,000 | $660,000 |
| Not Provided | 621 | $156,266,000 | $251,000 | $1,613,000 | $120,000 | $2,566,000 |
| Hispanic | 467 | $84,402,000 | $180,000 | $887,000 | $78,000 | $602,000 |
| Asian | 317 | $79,791,000 | $251,000 | $3,750,000 | $118,000 | $1,200,000 |
| Not applicable | 234 | $191,888,000 | $820,000 | $31,000,000 | $0 | $71,000 |
| American Indian or Alaskan Native | 40 | $9,102,000 | $227,000 | $748,000 | $79,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $4,759,000 | $216,000 | $417,000 | $101,000 | $303,000 |
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) | 6,527 | $1,635,549,000 | $250,000 | $31,000,000 | $116,000 | $3,448,000 |
| FHA-insured (Federal Housing Administration) | 2,177 | $367,724,000 | $168,000 | $407,000 | $61,000 | $397,000 |
| VA-guaranteed (Veterans Administration) | 1,105 | $271,798,000 | $245,000 | $1,200,000 | $86,000 | $948,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 403 | $56,573,000 | $140,000 | $307,000 | $49,000 | $104,000 |
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 | 7,585 | $1,664,409,000 | $219,000 | $31,000,000 | $97,000 | $2,884,000 |
| Application Denied By Financial Institution | 1,036 | $228,727,000 | $220,000 | $4,500,000 | $92,000 | $3,448,000 |
| Application Withdrawn By Applicant | 956 | $290,036,000 | $303,000 | $27,950,000 | $115,000 | $2,566,000 |
| Application Approved But Not Accepted | 447 | $99,027,000 | $221,000 | $1,615,000 | $114,000 | $3,165,000 |
| File Closed For Incompleteness | 128 | $26,715,000 | $208,000 | $1,645,000 | $107,000 | $504,000 |
| Loan Purchased By The Institution | 60 | $22,730,000 | $378,000 | $1,495,000 | $25,000 | $200,000 |
| 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 2017 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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