Ameris Bank Mortgage Rates, Fees & Info
Atlanta, GALEI: IUGPUX5LWRZ3B6KIZ697
Tax ID: 58-1111076
5 stars - Updated: 12/17/24
-
out of 5 stars, based on 114 reviews
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Ameris Bank is a mid-sized bank specializing in Home Purchase loans. Ameris Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Jacksonville, Washington, Charleston, and Columbia among others. We have data for 298 markets. (Some data included below & more in-depth data is available with an active subscription.)Ameris Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Ameris Bank is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 12/17/24 |
| 30 Year Conventional Purchase | 6.62% | 12/17/24 |
| 30 Year Conventional Refi | 6.52% | 12/17/24 |
| 30 Year Cash-out Refi | 6.74% | 12/17/24 |
| 30 Year FHA Purchase | 7.27% | 12/17/24 |
| 30 Year FHA Refi | 7.09% | 12/17/24 |
| 30 Year VA Purchase | 6.19% | 12/17/24 |
| 30 Year VA Refi | 6.12% | 12/17/24 |
| 30 Year USDA Purchase | 6.72% | 12/17/24 |
| 30 Year USDA Refi | 6.27% | 12/17/24 |
| 15 Year Conventional Purchase | 6.10% | 12/17/24 |
| 15 Year Conventional Refi | 6.07% | 12/17/24 |
| 15 Year Cash-out Refi | 6.07% | 12/17/24 |
| 15 Year FHA Purchase | 6.94% | 12/17/24 |
| 15 Year FHA Refi | 6.33% | 12/17/24 |
| 15 Year VA Purchase | 5.61% | 12/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Ameris Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Ameris Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
13,066Origination Dollar Volume (All Markets)
$4,374,230,000Awards
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Ameris Bank - 2023
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Relative Rate
Ameris Bank's average 30 year fixed mortgage rate was
6.54%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.06%.
Relative Fees (Closing Costs)
Ameris Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,825.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 4,293 | $1,534,295,000 | $357,395 | $9,060 | 6.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 711 | $272,225,000 | $382,876 | $10,246 | 6.91% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 665 | $244,245,000 | $367,286 | $7,904 | 5.06% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 411 | $155,785,000 | $379,039 | $8,173 | 6.51% |
| COLUMBIA, SC (FHA|USDA|VA) | 546 | $140,480,000 | $257,289 | $7,463 | 6.06% |
| Outside of Metro Areas | 408 | $129,770,000 | $318,064 | $8,667 | 6.88% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 356 | $116,470,000 | $327,163 | $6,847 | 6.06% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 231 | $84,435,000 | $365,519 | $8,496 | 6.82% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 286 | $76,630,000 | $267,937 | $12,297 | 6.56% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 99 | $63,915,000 | $645,606 | $8,231 | 6.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 197 | $57,295,000 | $290,838 | $7,073 | 6.92% |
| GAINESVILLE, FL (FHA|USDA|VA) | 221 | $57,245,000 | $259,027 | $7,175 | 6.30% |
| SAVANNAH, GA (FHA|USDA|VA) | 211 | $56,795,000 | $269,171 | $9,038 | 7.04% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 169 | $54,355,000 | $321,627 | $6,989 | 6.42% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 133 | $52,455,000 | $394,398 | $13,130 | 6.70% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 80 | $49,750,000 | $621,875 | $14,735 | 6.48% |
| GAINESVILLE, GA (FHA|USDA|VA) | 135 | $49,705,000 | $368,185 | $10,141 | 6.47% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 133 | $46,935,000 | $352,895 | $7,338 | 7.01% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 166 | $45,370,000 | $273,313 | $7,385 | 4.98% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 148 | $38,940,000 | $263,108 | $7,372 | 5.84% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 131 | $38,605,000 | $294,695 | $7,386 | 6.52% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 163 | $37,915,000 | $232,607 | $6,500 | 6.04% |
| VALDOSTA, GA (FHA|USDA|VA) | 171 | $36,895,000 | $215,760 | $7,602 | 6.32% |
| RICHMOND, VA (FHA|USDA|VA) | 112 | $32,950,000 | $294,196 | $6,774 | 5.51% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 93 | $27,705,000 | $297,903 | $6,035 | 6.60% |
| Jefferson, GA (FHA|USDA|VA) | 72 | $26,260,000 | $364,722 | $9,530 | 6.64% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 56 | $25,290,000 | $451,607 | $10,761 | 6.43% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 64 | $23,510,000 | $367,344 | $9,296 | 6.91% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 37 | $23,245,000 | $628,243 | $10,848 | 6.67% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 63 | $22,865,000 | $362,937 | $10,605 | 7.35% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 85 | $22,745,000 | $267,588 | $7,313 | 6.76% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 98 | $21,880,000 | $223,265 | $7,368 | 6.62% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 35 | $21,785,000 | $622,429 | $12,809 | 6.55% |
| DOTHAN, AL (FHA|USDA|VA) | 115 | $20,995,000 | $182,565 | $5,980 | 6.17% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 57 | $18,505,000 | $324,649 | $10,257 | 6.52% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 61 | $18,095,000 | $296,639 | $9,110 | 6.69% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 51 | $17,525,000 | $343,627 | $7,607 | 6.55% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 81 | $16,455,000 | $203,148 | $6,038 | 6.59% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 24 | $16,110,000 | $671,250 | $13,976 | 6.93% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 35 | $15,575,000 | $445,000 | $6,562 | 6.80% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 49 | $15,045,000 | $307,041 | $7,963 | 6.62% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 34 | $14,750,000 | $433,824 | $10,094 | 7.11% |
| ROME, GA (FHA|USDA|VA) | 49 | $13,675,000 | $279,082 | $7,669 | 6.51% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 30 | $13,550,000 | $451,667 | $7,593 | 6.54% |
| HINESVILLE, GA (FHA|USDA|VA) | 56 | $12,480,000 | $222,857 | $9,333 | 6.95% |
| OCALA, FL (FHA|USDA|VA) | 55 | $11,885,000 | $216,091 | $6,583 | 6.92% |
| PANAMA CITY, FL (FHA|USDA|VA) | 37 | $11,165,000 | $301,757 | $9,565 | 6.97% |
| SPARTANBURG, SC (FHA|USDA|VA) | 42 | $10,880,000 | $259,048 | $7,943 | 6.48% |
| ALBANY, GA (FHA|USDA|VA) | 61 | $10,525,000 | $172,541 | $6,374 | 5.97% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 24 | $10,250,000 | $427,083 | $9,294 | 6.22% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 15 | $10,125,000 | $675,000 | $5,349 | 6.77% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 29 | $9,675,000 | $333,621 | $8,687 | 7.35% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 38 | $9,610,000 | $252,895 | $6,843 | 6.00% |
| Calhoun, GA (FHA|USDA|VA) | 36 | $9,080,000 | $252,222 | $9,285 | 6.41% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 20 | $8,940,000 | $447,000 | $17,836 | 7.13% |
| BRUNSWICK, GA (FHA|USDA|VA) | 29 | $8,545,000 | $294,655 | $8,448 | 8.06% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 18 | $8,400,000 | $466,667 | $12,856 | 7.10% |
| Georgetown, SC (FHA|USDA|VA) | 23 | $8,075,000 | $351,087 | $7,941 | 6.73% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 15 | $8,005,000 | $533,667 | $12,967 | 6.55% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 17 | $7,965,000 | $468,529 | $10,560 | 6.45% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 23 | $7,585,000 | $329,783 | $4,150 | 6.61% |
| ASHEVILLE, NC (FHA|USDA|VA) | 22 | $7,260,000 | $330,000 | $6,824 | 6.41% |
| SUMTER, SC (FHA|USDA|VA) | 30 | $6,800,000 | $226,667 | $8,554 | 5.90% |
| Palatka, FL (FHA|USDA|VA) | 35 | $6,775,000 | $193,571 | $6,680 | 6.85% |
| Newberry, SC (FHA|USDA|VA) | 16 | $6,400,000 | $400,000 | $8,237 | 7.18% |
| Dublin, GA (FHA|USDA|VA) | 31 | $5,825,000 | $187,903 | $7,079 | 6.46% |
| Statesboro, GA (FHA|USDA|VA) | 23 | $5,815,000 | $252,826 | $9,167 | 6.62% |
| Seneca, SC (FHA|USDA|VA) | 14 | $5,480,000 | $391,429 | $6,940 | 7.20% |
| KNOXVILLE, TN (FHA|USDA|VA) | 12 | $5,350,000 | $445,833 | $5,643 | 6.91% |
| Moultrie, GA (FHA|USDA|VA) | 29 | $5,275,000 | $181,897 | $6,210 | 7.37% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 12 | $5,270,000 | $439,167 | $8,930 | 6.43% |
| LaGrange, GA-AL (FHA|USDA|VA) | 32 | $5,250,000 | $164,063 | $5,014 | 7.07% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 19 | $5,145,000 | $270,789 | $6,076 | 6.43% |
| Albemarle, NC (FHA|USDA|VA) | 16 | $4,920,000 | $307,500 | $7,219 | 6.38% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 21 | $4,895,000 | $233,095 | $8,222 | 6.16% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 10 | $4,610,000 | $461,000 | $9,096 | 6.44% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 16 | $4,500,000 | $281,250 | $8,539 | 6.31% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 12 | $4,430,000 | $369,167 | $10,685 | 6.32% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $4,395,000 | $627,857 | $11,174 | 6.71% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 8 | $4,270,000 | $533,750 | $4,960 | 6.23% |
| Milledgeville, GA (FHA|USDA|VA) | 15 | $4,205,000 | $280,333 | $5,420 | 6.36% |
| PROVO-OREM, UT (FHA|USDA|VA) | 9 | $4,125,000 | $458,333 | $5,675 | 6.24% |
| COLUMBUS, OH (FHA|USDA|VA) | 16 | $4,120,000 | $257,500 | $5,315 | 6.56% |
| Cullowhee, NC (FHA|USDA|VA) | 9 | $4,055,000 | $450,556 | $14,867 | 7.39% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 6 | $4,030,000 | $671,667 | $9,435 | 6.12% |
| Orangeburg, SC (FHA|USDA|VA) | 24 | $4,010,000 | $167,083 | $6,624 | 5.89% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 11 | $3,805,000 | $345,909 | $9,308 | 6.58% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 9 | $3,645,000 | $405,000 | $7,211 | 6.44% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $3,520,000 | $586,667 | $10,245 | 6.50% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 6 | $3,470,000 | $578,333 | $7,046 | 6.91% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 16 | $3,420,000 | $213,750 | $7,312 | 7.19% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 6 | $3,410,000 | $568,333 | $7,580 | 6.00% |
| BURLINGTON, NC (FHA|USDA|VA) | 12 | $3,350,000 | $279,167 | $8,668 | 6.66% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 8 | $3,280,000 | $410,000 | $8,239 | 6.56% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 12 | $3,270,000 | $272,500 | $6,217 | 6.40% |
| Boone, NC (FHA|USDA|VA) | 4 | $3,120,000 | $780,000 | $11,506 | 8.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 7 | $3,095,000 | $442,143 | $8,547 | 6.91% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $3,020,000 | $503,333 | $10,079 | 6.27% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 9 | $2,995,000 | $332,778 | $8,769 | 6.03% |
| Waycross, GA (FHA|USDA|VA) | 22 | $2,960,000 | $134,545 | $7,209 | 7.73% |
| St. Marys, GA (FHA|USDA|VA) | 15 | $2,875,000 | $191,667 | $8,780 | 7.77% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 4 | $2,740,000 | $685,000 | $18,292 | 6.03% |
| Sevierville, TN (FHA|USDA|VA) | 5 | $2,685,000 | $537,000 | $10,995 | 7.33% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 10 | $2,640,000 | $264,000 | $9,138 | 6.97% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 9 | $2,605,000 | $289,444 | $8,266 | 6.65% |
| Cornelia, GA (FHA|USDA|VA) | 9 | $2,575,000 | $286,111 | $6,902 | 7.14% |
| Key West, FL (FHA|USDA|VA) | 3 | $2,575,000 | $858,333 | $16,291 | 7.25% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 7 | $2,535,000 | $362,143 | $4,612 | 6.18% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 9 | $2,515,000 | $279,444 | $8,346 | 6.87% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 9 | $2,505,000 | $278,333 | $5,526 | 6.71% |
| Toccoa, GA (FHA|USDA|VA) | 7 | $2,495,000 | $356,429 | $10,082 | 7.18% |
| Lake City, FL (FHA|USDA|VA) | 14 | $2,460,000 | $175,714 | $5,683 | 5.66% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 5 | $2,445,000 | $489,000 | $9,471 | 6.50% |
| LOGAN, UT-ID (FHA|USDA|VA) | 5 | $2,405,000 | $481,000 | $6,027 | 6.20% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 8 | $2,370,000 | $296,250 | $8,523 | 5.73% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 7 | $2,335,000 | $333,571 | $8,470 | 6.71% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 10 | $2,330,000 | $233,000 | $5,229 | 6.61% |
| Heber, UT (FHA|USDA|VA) | 2 | $2,320,000 | $1,160,000 | $16,644 | 7.06% |
| THE VILLAGES, FL (FHA|USDA|VA) | 9 | $2,295,000 | $255,000 | $7,292 | 6.43% |
| Douglas, GA (FHA|USDA|VA) | 13 | $2,265,000 | $174,231 | $9,890 | 7.42% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $2,235,000 | $447,000 | $9,014 | 6.60% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $2,210,000 | $368,333 | $12,541 | 6.75% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 4 | $2,170,000 | $542,500 | $10,563 | 6.69% |
| Cullman, AL (FHA|USDA|VA) | 8 | $2,020,000 | $252,500 | $7,289 | 6.55% |
| Tifton, GA (FHA|USDA|VA) | 18 | $2,000,000 | $111,111 | $4,959 | 7.37% |
| Thomasville, GA (FHA|USDA|VA) | 10 | $1,970,000 | $197,000 | $7,663 | 7.45% |
| Hilo, HI (FHA|USDA|VA) | 4 | $1,920,000 | $480,000 | $5,084 | 6.44% |
| Forest City, NC (FHA|USDA|VA) | 5 | $1,885,000 | $377,000 | $9,592 | 7.17% |
| WILMINGTON, NC (FHA|USDA|VA) | 7 | $1,875,000 | $267,857 | $5,643 | 6.50% |
| LYNCHBURG, VA (FHA|USDA|VA) | 5 | $1,855,000 | $371,000 | $8,534 | 7.05% |
| Americus, GA (FHA|USDA|VA) | 12 | $1,850,000 | $154,167 | $6,629 | 7.13% |
| PITTSBURGH, PA (FHA|USDA|VA) | 5 | $1,815,000 | $363,000 | $10,114 | 7.20% |
| Gaffney, SC (FHA|USDA|VA) | 8 | $1,800,000 | $225,000 | $9,380 | 5.67% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 8 | $1,780,000 | $222,500 | $7,130 | 5.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 5 | $1,745,000 | $349,000 | $6,660 | 6.82% |
| Branson, MO (FHA|USDA|VA) | 8 | $1,730,000 | $216,250 | $3,271 | 6.98% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $8,290 | 6.30% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 5 | $1,685,000 | $337,000 | $7,203 | 7.03% |
| ST. GEORGE, UT (FHA|USDA|VA) | 3 | $1,675,000 | $558,333 | $5,653 | 5.96% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 8 | $1,660,000 | $207,500 | $4,999 | 4.23% |
| GADSDEN, AL (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $5,828 | 6.40% |
| MONTGOMERY, AL (FHA|USDA|VA) | 6 | $1,630,000 | $271,667 | $11,396 | 6.54% |
| Vidalia, GA (FHA|USDA|VA) | 16 | $1,590,000 | $99,375 | $8,177 | 8.98% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 5 | $1,545,000 | $309,000 | $5,555 | 6.37% |
| Cedartown, GA (FHA|USDA|VA) | 5 | $1,535,000 | $307,000 | $7,543 | 6.38% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $1,525,000 | $508,333 | $7,492 | 6.33% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $1,485,000 | $1,485,000 | $7,235 | 6.75% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $1,450,000 | $725,000 | $9,060 | 7.06% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $1,385,000 | $461,667 | $4,918 | 7.04% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $3,814 | 6.62% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $5,271 | 5.25% |
| Enterprise, AL (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $7,719 | 6.50% |
| Ozark, AL (FHA|USDA|VA) | 7 | $1,205,000 | $172,143 | $6,567 | 7.25% |
| Morehead City, NC (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $4,154 | 7.08% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $23,224 | 6.38% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $15,300 | 8.13% |
| Thomaston, GA (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $5,586 | 5.52% |
| Lewisburg, TN (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $6,761 | 5.75% |
| Alexander City, AL (FHA|USDA|VA) | 6 | $1,030,000 | $171,667 | $5,352 | 7.31% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $14,558 | 8.13% |
| Kapaa, HI (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $5,830 | 5.50% |
| Harrison, AR (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $3,000 | 6.74% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $11,300 | 6.75% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $7,399 | 6.21% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $7,997 | 6.31% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,142 | 8.06% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $4,897 | 6.08% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $8,435 | 6.69% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $4,403 | 6.94% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $4,527 | 7.13% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $5,305 | 6.56% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $11,106 | 5.56% |
| Mount Airy, NC (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $11,027 | 6.50% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $9,343 | 6.75% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $5,738 | 5.68% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $5,171 | 6.46% |
| Shelby, NC (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $12,919 | 7.44% |
| Scottsboro, AL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $7,527 | 6.44% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $7,456 | 6.81% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $2,625 | 6.25% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $6,553 | 5.75% |
| GOLDSBORO, NC (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,331 | 6.00% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $5,417 | 5.63% |
| Troy, AL (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $8,949 | 7.31% |
| Brevard, NC (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,288 | 7.93% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $4,487 | 6.25% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $9,820 | 6.50% |
| BEND, OR (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $7,198 | 6.99% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $6,341 | 6.31% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $10,311 | 6.38% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $7,215 | 7.13% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $4,168 | 5.75% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,327 | 6.63% |
| DOVER, DE (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $11,255 | 6.56% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $20,818 | 5.13% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $4,100 | 7.54% |
| North Wilkesboro, NC (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $7,704 | 8.69% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $6,005 | 5.81% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,034 | 6.44% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,268 | 6.13% |
| Jesup, GA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $13,216 | 6.38% |
| Susanville, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $22,814 | 6.25% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,586 | 6.25% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,171 | 6.44% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,280 | 5.99% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $15,934 | 6.00% |
| Kerrville, TX (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,898 | 7.13% |
| Safford, AZ (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $7,250 | 5.88% |
| Rockingham, NC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,995 | 6.63% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $10,219 | 8.00% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $6,893 | 6.63% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,096 | 6.99% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $22,035 | 5.50% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $9,981 | 6.25% |
| Fernley, NV (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,516 | 6.75% |
| RACINE, WI (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,816 | 7.50% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,616 | 7.38% |
| DALTON, GA (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $6,360 | 7.50% |
| Sonora, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $15,236 | 7.13% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,309 | 6.75% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,339 | 6.75% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $1,837 | 6.75% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,651 | 6.63% |
| MADERA, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,377 | 7.49% |
| Athens, TN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,188 | 7.75% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,778 | 6.87% |
| Eufaula, AL-GA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $5,775 | 7.38% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,605 | 5.50% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,711 | 6.50% |
| Kinston, NC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,476 | 6.81% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,124 | 7.38% |
| SALEM, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $16,602 | 5.38% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $12,327 | 6.63% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,306 | 7.49% |
| Russellville, AR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,229 | 7.63% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $6,955 | 6.63% |
| Union, SC (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $7,576 | 8.29% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,765 | 6.44% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $12,072 | 5.75% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,392 | 6.63% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,982 | 6.63% |
| Atmore, AL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,609 | 7.06% |
| Fitzgerald, GA (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $7,209 | 6.97% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 8.75% |
| Bay City, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $15,455 | 7.13% |
| Cordele, GA (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $5,663 | 8.21% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,764 | 6.25% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,401 | 7.13% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,415 | 6.63% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,136 | 5.75% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $14,794 | 6.25% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,415 | 6.49% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,868 | 6.75% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,441 | 7.99% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,599 | 7.38% |
| Helena, MT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $10,571 | 5.63% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $13,604 | 6.38% |
| REDDING, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,961 | 7.25% |
| West Plains, MO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,325 | 6.63% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,890 | 6.75% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,477 | 6.75% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,332 | 7.13% |
| Ada, OK (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,600 | 6.75% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,302 | 6.50% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 9.25% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,860 | 6.49% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,253 | 6.63% |
| Sanford, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,036 | 7.00% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,186 | 6.38% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,423 | 6.63% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,209 | 6.13% |
| Marion, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,286 | 6.99% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,649 | 7.13% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,233 | 6.13% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $12,438 | 6.63% |
| Clovis, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 2.88% |
| Easton, MD (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,014 | 6.25% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,242 | 6.99% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,373 | 7.13% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,556 | 7.75% |
| Danville, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.00% |
| Alice, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $10,305 | 6.13% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $10,499 | 5.75% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,131 | 7.25% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,744 | 7.13% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,120 | 6.88% |
| Albertville, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,773 | 5.88% |
| Riverton, WY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,467 | 7.63% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,669 | 6.88% |
| Ashtabula, OH (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 6.19% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,923 | 5.99% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,596 | 6.75% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,877 | 6.38% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.25% |
| Van Wert, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,904 | 7.13% |
| AKRON, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,833 | 7.38% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,775 | 7.13% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 7.57% |
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Product Mix
For 2023, Ameris Bank's most frequently originated type of loan was Conventional, with 9,224 originations. Their 2nd most popular type was FHA, with 1,872 originations.
Loan Reason
For 2023, Ameris Bank's most frequently cited loan purpose was Home Purchase, with 11,440 originations. The 2nd most popular reason was Cash Out Refi, with 524 originations.
Loan Duration/Length
For 2023, Ameris Bank's most frequently cited loan duration was 30 Year, with 10,512 originations. The 2nd most popular length was 15 Year, with 1,061 originations.
Origination Fees/Closing Costs
Ameris Bank's average total fees were $8,825, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 3,553 originations.
Interest Rates
During 2023, Ameris Bank's average interest rate for loans was 6.54%, while their most frequently originated rate bucket for loans was 6-7%, with 5,914 originations.
Loan Sizing
2023 saw Ameris Bank place emphasis on $200k-400k loans with 5,746 originations, totaling $1,684,940,000 in origination value.
Applicant Income
Ameris Bank lent most frequently to those with incomes in the $100k-150k range, with 3,096 originations. The second most popular income band? $150k-250k, with 2,688 originations.
Applicant Debt to Income Ratio
Ameris Bank lent most frequently to those with DTI ratios of 30-36%, with 2,083 originations. The next most common DTI ratio? 20-30%, with 1,930 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.82%
Ameris Bank has an average approval rate.
Pick Rate
Approvals leading to origination71.82%
Ameris Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 13,066 | $4,374,230,000 | $334,780 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 13,066 | $4,374,230,000 | $334,780 |