Applications / Mortgage Analytics / Lenders / Georgia / Ameris Bank
Atlanta, GA · State non-member bank · FDIC · $27.4 billion assets · 13,184 loans in 2025
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13,184
loans originated, 2025
18,359
applications, 2025
45
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ameris Bank made fewer loans in 2025 while the market grew, but held its dollar volume by lending more per loan and leaning further into FHA and VA lending.
Originations fell 10% to 13,184, while similar lenders (state non-member banks making between a quarter and four times as many loans) grew 11% and the whole market 10%; it grew less than nearly all of them. Dollar lending held at $4.92 billion against $4.91 billion, as its typical loan grew. Slower lending in its coastal markets, where its share fell, could be part of the reason.
FHA loans (insured by the Federal Housing Administration) were 15.1% of its lending, against 4.2% for similar lenders, and VA loans (guaranteed by the Department of Veterans Affairs) 9.4% against 1.8%, both higher than most of them. FHA loans were 10.5% five years earlier, so it has become more of a government lender since.
19.4% of its loans were in LMI (low- and moderate-income) tracts, against 17.1% for similar lenders and 13.2% five years earlier, and 30.8% in majority-minority tracts, against 15.8%, the highest in the group. Its Atlanta-centred footprint may account for much of this.
It ranks 3 of 892 lenders in Atlanta, behind United Wholesale Mortgage and Rocket Mortgage. In Jacksonville its share fell to 2.0% from 2.3%, and in Charleston to 1.6% from 2.2%; its smaller total lending could explain both. It entered markets in Washington state and Nevada in 2025.
Questions the data can answer next
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ameris Bank took 18,359 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.4% · Refinance 15.0% · Home improvement 3.4% · Other 2.2%
Conventional 75.0% · FHA 15.1% · VA 9.4% · USDA (RHS or FSA) 0.5% · of 13,184 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 5,627 | 42.7% |
| South Carolina | 1,857 | 14.1% |
| Florida | 1,846 | 14.0% |
| Virginia | 724 | 5.5% |
| North Carolina | 634 | 4.8% |
| California | 484 | 3.7% |
| Maryland | 455 | 3.5% |
| Tennessee | 394 | 3.0% |
| Alabama | 363 | 2.8% |
| Illinois | 140 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 3,093 |
| Marietta | 988 |
| Jacksonville | 792 |
| Columbia | 561 |
| Charleston-North Charleston | 454 |
| Arlington-Alexandria-Reston | 416 |
| Nashville-Davidson--Murfreesboro--Franklin | 319 |
| Baltimore-Columbia-Towson | 271 |
| Augusta-Richmond County | 257 |
| Greenville-Anderson-Greer | 235 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | IUGPUX5LWRZ3B6KIZ697 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 764030 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 320504 | 2007–2017 |
Established 1 October 1971. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Ameris Bank's data.
Ameris Bank's data
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