Lender in South Carolina · HMDA 2025
Ameris Bank mortgages in South Carolina
Ameris Bank's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
Ameris Bank originated 1,444 owner-occupied single-family loans in South Carolina from 1,544 completed applications, making it the state's #12 lender by volume.
Its median conventional purchase loan costs were $6,180 versus $5,190 for all South Carolina lenders, at a median 30-year fixed rate of 6.50% (South Carolina: 6.624%).
Loans in SC
1,444
of 1,544 applications
Denial rate
4.3%
Purchase · SC 8.8%
Rate spread
+0.20 pts
Conv. · SC +0.12 pts
Loan amount
$295,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,355 | 1,291 | 4.3% | 6.500% | +0.20 pts | $6,180 | $295,000 |
| Refinance | 88 | 81 | 8.0% | 6.375% | −0.03 pts | $5,280 | $395,000 |
| Cash-out refinance | 101 | 72 | 26.7% | 6.875% | +0.37 pts | $6,140 | $345,000 |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where Ameris Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Calhoun County | 4 | 8 | 6.6% |
| Laurens County | 5 | 46 | 4.1% |
| Orangeburg County | 5 | 25 | 3.6% |
| Charleston County | 6 | 173 | 2.6% |
| Edgefield County | 6 | 17 | 3.9% |
| Lexington County | 7 | 192 | 3.4% |
| Richland County | 8 | 212 | 2.9% |
| Beaufort County | 9 | 83 | 2.3% |
| Pickens County | 9 | 39 | 2.2% |
| Fairfield County | 9 | 5 | 2.8% |
| Aiken County | 11 | 78 | 2.6% |
| Georgetown County | 11 | 15 | 2.0% |
| Berkeley County | 13 | 129 | 2.0% |
| Greenwood County | 13 | 10 | 1.3% |
| Dorchester County | 14 | 71 | 1.8% |
| Kershaw County | 14 | 24 | 2.0% |
| Colleton County | 17 | 5 | 1.6% |
| Sumter County | 18 | 21 | 1.4% |
| Barnwell County | 18 | 2 | 1.9% |
| Anderson County | 21 | 41 | 1.2% |
| Oconee County | 21 | 11 | 1.0% |
| McCormick County | 21 | 2 | 1.6% |
| Dillon County | 23 | 2 | 1.4% |
| Newberry County | 25 | 4 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology