Lender in Florida · HMDA 2025
Ameris Bank mortgages in Florida
Ameris Bank's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Ameris Bank originated 1,368 owner-occupied single-family loans in Florida from 1,504 completed applications.
Its median conventional purchase loan costs were $6,300 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.49% (Florida: 6.625%).
Loans in FL
1,368
of 1,504 applications
Denial rate
6.3%
Purchase · FL 12.8%
Rate spread
+0.08 pts
Conv. · FL +0.14 pts
Loan amount
$315,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,310 | 1,224 | 6.3% | 6.490% | +0.08 pts | $6,300 | $315,000 |
| Refinance | 80 | 62 | 20.0% | 6.490% | −0.03 pts | $5,740 | $405,000 |
| Cash-out refinance | 114 | 82 | 27.2% | 6.750% | +0.33 pts | $5,730 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Ameris Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Calhoun County | 1 | 14 | 18.7% |
| Alachua County | 5 | 120 | 4.4% |
| Dixie County | 5 | 4 | 5.6% |
| St. Johns County | 7 | 250 | 3.5% |
| Liberty County | 7 | 2 | 5.7% |
| Leon County | 8 | 79 | 2.9% |
| Putnam County | 8 | 15 | 2.6% |
| Gadsden County | 8 | 9 | 3.2% |
| Duval County | 9 | 303 | 2.3% |
| Suwannee County | 9 | 5 | 2.1% |
| Levy County | 10 | 9 | 2.4% |
| Jackson County | 13 | 6 | 2.0% |
| Wakulla County | 14 | 10 | 1.5% |
| Gilchrist County | 16 | 3 | 1.8% |
| Flagler County | 18 | 35 | 1.2% |
| Volusia County | 19 | 88 | 1.0% |
| Santa Rosa County | 20 | 48 | 1.1% |
| Washington County | 20 | 3 | 1.1% |
| Clay County | 22 | 40 | 1.0% |
| Columbia County | 24 | 5 | 0.9% |
| Escambia County | 25 | 38 | 0.8% |
| Okaloosa County | 25 | 29 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology