Lender in California · HMDA 2025
Ameris Bank mortgages in California
Ameris Bank's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Ameris Bank originated 444 owner-occupied single-family loans in California from 467 completed applications.
Its median conventional purchase loan costs were $6,220 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.50% (California: 6.625%).
Loans in CA
444
of 467 applications
Denial rate
3.8%
Purchase · CA 8.9%
Rate spread
−0.04 pts
Conv. · CA +0.09 pts
Loan amount
$605,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 236 | 223 | 3.8% | 6.500% | −0.04 pts | $6,220 | $605,000 |
| Refinance | 188 | 182 | 2.1% | 6.125% | −0.15 pts | $3,340 | $605,000 |
| Cash-out refinance | 43 | 39 | 7.0% | 6.490% | −0.04 pts | $4,310 | $485,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Ameris Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sonoma County | 21 | 47 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology