Ameris Bank Mortgage Rates, Fees & Info

Atlanta, GA

LEI: IUGPUX5LWRZ3B6KIZ697

Tax ID: 58-1111076

4.9 stars - out of 5 stars, based on 171 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Ameris Bank is a large bank specializing in Home Purchase and Refi 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, Washington, Jacksonville, Charleston, and Nashville among others. We have data for 325 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 an average 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 about average 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 7.47% 10/3/22
    30 Year Conventional Purchase 6.58% 10/3/22
    30 Year Conventional Refi 6.47% 10/3/22
    30 Year Cash-out Refi 6.64% 10/3/22
    30 Year FHA Purchase 7.31% 10/3/22
    30 Year FHA Refi 6.97% 10/3/22
    30 Year VA Purchase 6.20% 10/3/22
    30 Year VA Refi 6.01% 10/3/22
    30 Year USDA Purchase 6.79% 10/3/22
    30 Year USDA Refi 6.90% 10/3/22
    15 Year Conventional Purchase 6.51% 10/3/22
    15 Year Conventional Refi 6.30% 10/3/22
    15 Year Cash-out Refi 6.30% 10/3/22
    15 Year FHA Purchase 7.33% 10/3/22
    15 Year FHA Refi 7.31% 10/3/22
    15 Year VA Purchase 6.21% 10/3/22
    15 Year VA Refi 6.12% 10/3/22
    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.


    Originations

    29,181

    Origination Dollar Volume (All Markets)

    $9,366,055,000

    Employee count

    2,865 Show all (59) awards

    Relative Rate

    Ameris Bank's average 30 year fixed mortgage rate was 3.06%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.09%.

    Relative Fees (Closing Costs)

    Ameris Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,106.

    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 $4,750.

    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) 9,392 $3,117,120,000 $331,891 $5,090 3.07%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1,698 $702,360,000 $413,640 $5,701 2.93%
    JACKSONVILLE, FL (FHA|USDA|VA) 1,394 $488,970,000 $350,768 $5,443 3.25%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1,008 $349,190,000 $346,419 $4,658 3.07%
    Outside of Metro Areas 909 $268,265,000 $295,121 $5,223 3.23%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 675 $243,115,000 $360,170 $4,796 3.03%
    COLUMBIA, SC (FHA|USDA|VA) 1,041 $230,685,000 $221,599 $4,701 2.96%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 400 $212,280,000 $530,700 $3,669 2.88%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 556 $181,050,000 $325,629 $6,273 3.01%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 639 $161,225,000 $252,308 $5,313 3.06%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 492 $153,220,000 $311,423 $6,069 3.33%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 426 $147,710,000 $346,737 $4,664 3.18%
    GAINESVILLE, FL (FHA|USDA|VA) 534 $144,080,000 $269,813 $5,294 3.16%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 251 $139,525,000 $555,876 $4,693 2.94%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 184 $124,250,000 $675,272 $5,666 3.18%
    URBAN HONOLULU, HI (FHA|USDA|VA) 236 $120,920,000 $512,373 $7,661 2.71%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 454 $116,180,000 $255,903 $4,485 3.22%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 352 $110,060,000 $312,670 $4,232 3.22%
    GAINESVILLE, GA (FHA|USDA|VA) 314 $101,120,000 $322,038 $4,978 3.12%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 327 $93,895,000 $287,141 $4,882 2.95%
    SAVANNAH, GA (FHA|USDA|VA) 337 $89,965,000 $266,958 $5,128 3.21%
    RALEIGH-CARY, NC (FHA|USDA|VA) 258 $75,490,000 $292,597 $4,511 3.01%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 208 $74,360,000 $357,500 $3,273 2.93%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 207 $73,355,000 $354,372 $4,528 3.21%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 235 $69,605,000 $296,191 $4,199 3.14%
    TALLAHASSEE, FL (FHA|USDA|VA) 287 $69,065,000 $240,645 $4,404 3.07%
    RICHMOND, VA (FHA|USDA|VA) 228 $62,850,000 $275,658 $3,835 3.02%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 91 $53,915,000 $592,473 $3,759 2.88%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 233 $53,745,000 $230,665 $3,701 3.06%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 172 $52,670,000 $306,221 $5,386 2.97%
    VALDOSTA, GA (FHA|USDA|VA) 247 $51,345,000 $207,874 $5,217 3.00%
    Jefferson, GA (FHA|USDA|VA) 153 $49,035,000 $320,490 $4,815 3.17%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 119 $45,875,000 $385,504 $4,870 3.15%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 222 $44,670,000 $201,216 $5,540 3.11%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 93 $42,475,000 $456,720 $5,773 3.12%
    WARNER ROBINS, GA (FHA|USDA|VA) 175 $41,365,000 $236,371 $4,303 2.81%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 144 $40,020,000 $277,917 $3,355 2.90%
    OCALA, FL (FHA|USDA|VA) 209 $39,235,000 $187,727 $4,040 3.10%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 204 $35,530,000 $174,167 $4,454 2.80%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 79 $34,175,000 $432,595 $6,246 2.98%
    DOTHAN, AL (FHA|USDA|VA) 192 $34,070,000 $177,448 $4,157 3.09%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 105 $32,475,000 $309,286 $4,653 3.15%
    SPARTANBURG, SC (FHA|USDA|VA) 145 $31,385,000 $216,448 $4,748 3.22%
    BRUNSWICK, GA (FHA|USDA|VA) 84 $31,230,000 $371,786 $5,591 3.42%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 54 $26,770,000 $495,741 $5,119 2.97%
    WINSTON-SALEM, NC (FHA|USDA|VA) 112 $25,170,000 $224,732 $5,254 3.15%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 92 $25,030,000 $272,065 $5,016 3.11%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 97 $23,295,000 $240,155 $4,385 3.09%
    ALBANY, GA (FHA|USDA|VA) 133 $23,085,000 $173,571 $4,552 2.91%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 62 $23,050,000 $371,774 $6,077 3.00%
    Calhoun, GA (FHA|USDA|VA) 32 $20,820,000 $650,625 $5,270 2.98%
    Georgetown, SC (FHA|USDA|VA) 57 $19,605,000 $343,947 $4,367 3.39%
    ASHEVILLE, NC (FHA|USDA|VA) 63 $18,915,000 $300,238 $4,753 3.05%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 41 $16,375,000 $399,390 $5,314 3.03%
    PANAMA CITY, FL (FHA|USDA|VA) 62 $15,920,000 $256,774 $5,238 3.47%
    LaGrange, GA-AL (FHA|USDA|VA) 93 $15,795,000 $169,839 $4,189 3.01%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 48 $15,690,000 $326,875 $5,508 3.06%
    HINESVILLE, GA (FHA|USDA|VA) 80 $15,600,000 $195,000 $5,376 3.26%
    Seneca, SC (FHA|USDA|VA) 53 $15,525,000 $292,925 $4,124 2.96%
    Palatka, FL (FHA|USDA|VA) 71 $14,655,000 $206,408 $4,748 3.25%
    THE VILLAGES, FL (FHA|USDA|VA) 53 $14,125,000 $266,509 $4,190 2.90%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 35 $13,535,000 $386,714 $4,670 2.94%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 39 $12,635,000 $323,974 $5,482 3.52%
    SALISBURY, MD-DE (FHA|USDA|VA) 49 $12,235,000 $249,694 $4,495 3.08%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 37 $11,795,000 $318,784 $4,981 3.09%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 26 $11,640,000 $447,692 $3,276 2.99%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 24 $11,450,000 $477,083 $5,556 3.24%
    Moultrie, GA (FHA|USDA|VA) 65 $11,035,000 $169,769 $3,845 3.26%
    Toccoa, GA (FHA|USDA|VA) 34 $10,370,000 $305,000 $5,066 3.20%
    St. Marys, GA (FHA|USDA|VA) 44 $10,120,000 $230,000 $4,279 3.45%
    BURLINGTON, NC (FHA|USDA|VA) 39 $9,665,000 $247,821 $5,452 3.12%
    SUMTER, SC (FHA|USDA|VA) 49 $9,005,000 $183,776 $4,901 2.79%
    Milledgeville, GA (FHA|USDA|VA) 38 $8,990,000 $236,579 $4,456 2.91%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 16 $8,640,000 $540,000 $5,104 3.08%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 34 $8,560,000 $251,765 $4,564 3.00%
    KNOXVILLE, TN (FHA|USDA|VA) 27 $8,555,000 $316,852 $3,608 2.97%
    ROME, GA (FHA|USDA|VA) 32 $8,510,000 $265,938 $5,116 3.19%
    Dublin, GA (FHA|USDA|VA) 44 $8,120,000 $184,545 $4,120 2.74%
    Lake City, FL (FHA|USDA|VA) 36 $7,850,000 $218,056 $4,805 3.10%
    COLUMBUS, GA-AL (FHA|USDA|VA) 44 $7,840,000 $178,182 $3,979 3.22%
    WILMINGTON, NC (FHA|USDA|VA) 22 $7,820,000 $355,455 $4,526 3.07%
    Cornelia, GA (FHA|USDA|VA) 19 $7,775,000 $409,211 $4,646 3.25%
    NEW BERN, NC (FHA|USDA|VA) 42 $7,590,000 $180,714 $3,028 2.91%
    Cullowhee, NC (FHA|USDA|VA) 19 $7,325,000 $385,526 $5,386 3.16%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 20 $6,920,000 $346,000 $4,493 3.17%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 25 $6,875,000 $275,000 $5,105 2.97%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 15 $6,865,000 $457,667 $4,735 2.97%
    KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 12 $6,680,000 $556,667 $6,281 2.80%
    Key West, FL (FHA|USDA|VA) 8 $6,580,000 $822,500 $9,885 3.89%
    MONTGOMERY, AL (FHA|USDA|VA) 40 $6,510,000 $162,750 $3,493 3.27%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 22 $6,450,000 $293,182 $4,792 3.08%
    HUNTSVILLE, AL (FHA|USDA|VA) 24 $6,110,000 $254,583 $4,388 3.30%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 15 $5,985,000 $399,000 $2,701 3.07%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 26 $5,900,000 $226,923 $5,332 2.98%
    Americus, GA (FHA|USDA|VA) 23 $5,875,000 $255,435 $4,515 3.37%
    Tifton, GA (FHA|USDA|VA) 34 $5,750,000 $169,118 $4,133 3.39%
    Thomasville, GA (FHA|USDA|VA) 39 $5,635,000 $144,487 $5,131 3.84%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 28 $5,360,000 $191,429 $4,792 2.88%
    Albemarle, NC (FHA|USDA|VA) 21 $5,155,000 $245,476 $4,785 3.05%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 10 $5,120,000 $512,000 $5,616 2.96%
    Boone, NC (FHA|USDA|VA) 9 $4,995,000 $555,000 $4,847 3.42%
    GREENVILLE, NC (FHA|USDA|VA) 25 $4,955,000 $198,200 $3,600 2.76%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 6 $4,940,000 $823,333 $4,916 2.92%
    Cullman, AL (FHA|USDA|VA) 23 $4,885,000 $212,391 $4,446 2.83%
    Kill Devil Hills, NC (FHA|USDA|VA) 12 $4,670,000 $389,167 $5,416 2.91%
    Sevierville, TN (FHA|USDA|VA) 13 $4,615,000 $355,000 $4,454 3.86%
    Douglas, GA (FHA|USDA|VA) 33 $4,555,000 $138,030 $4,010 3.67%
    STOCKTON, CA (FHA|USDA|VA) 11 $4,535,000 $412,273 $4,198 3.06%
    Greenwood, SC (FHA|USDA|VA) 15 $4,415,000 $294,333 $5,212 3.20%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 12 $4,340,000 $361,667 $5,654 3.19%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 9 $4,235,000 $470,556 $4,365 2.93%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 20 $4,230,000 $211,500 $5,103 3.46%
    WINCHESTER, VA-WV (FHA|USDA|VA) 13 $4,185,000 $321,923 $5,902 2.94%
    GADSDEN, AL (FHA|USDA|VA) 19 $4,075,000 $214,474 $4,675 3.14%
    Orangeburg, SC (FHA|USDA|VA) 21 $3,975,000 $189,286 $5,969 3.40%
    FAYETTEVILLE, NC (FHA|USDA|VA) 20 $3,960,000 $198,000 $5,228 3.24%
    Statesboro, GA (FHA|USDA|VA) 20 $3,950,000 $197,500 $4,210 3.23%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 13 $3,785,000 $291,154 $5,284 2.95%
    JACKSONVILLE, NC (FHA|USDA|VA) 16 $3,630,000 $226,875 $5,261 2.89%
    YORK-HANOVER, PA (FHA|USDA|VA) 13 $3,515,000 $270,385 $5,848 3.05%
    Ozark, AL (FHA|USDA|VA) 19 $3,455,000 $181,842 $4,415 3.00%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 6 $3,380,000 $563,333 $6,818 2.75%
    Alexander City, AL (FHA|USDA|VA) 13 $3,355,000 $258,077 $3,708 3.11%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 11 $3,355,000 $305,000 $4,824 3.03%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 15 $3,335,000 $222,333 $4,786 3.16%
    Newberry, SC (FHA|USDA|VA) 17 $3,295,000 $193,824 $5,278 3.14%
    Cordele, GA (FHA|USDA|VA) 16 $3,290,000 $205,625 $4,137 3.30%
    PUNTA GORDA, FL (FHA|USDA|VA) 13 $3,285,000 $252,692 $4,617 2.98%
    Cedartown, GA (FHA|USDA|VA) 16 $3,250,000 $203,125 $4,798 3.23%
    Brevard, NC (FHA|USDA|VA) 9 $3,235,000 $359,444 $6,382 3.31%
    Kapaa, HI (FHA|USDA|VA) 7 $3,225,000 $460,714 $6,295 2.86%
    DALTON, GA (FHA|USDA|VA) 17 $3,105,000 $182,647 $5,035 3.26%
    SALINAS, CA (FHA|USDA|VA) 3 $3,095,000 $1,031,667 $4,207 3.08%
    GOLDSBORO, NC (FHA|USDA|VA) 16 $2,860,000 $178,750 $3,302 2.64%
    LYNCHBURG, VA (FHA|USDA|VA) 9 $2,845,000 $316,111 $3,935 3.24%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 9 $2,825,000 $313,889 $4,213 2.96%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 11 $2,725,000 $247,727 $4,319 2.98%
    Shelbyville, TN (FHA|USDA|VA) 10 $2,620,000 $262,000 $6,915 2.74%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 6 $2,610,000 $435,000 $3,230 2.87%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 15 $2,605,000 $173,667 $3,584 3.09%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 5 $2,595,000 $519,000 $3,147 2.85%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 10 $2,560,000 $256,000 $4,813 2.75%
    Morehead City, NC (FHA|USDA|VA) 7 $2,515,000 $359,286 $4,091 2.95%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 9 $2,405,000 $267,222 $3,632 3.11%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 6 $2,310,000 $385,000 $4,543 2.79%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $2,275,000 $2,275,000 $52,351 3.50%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $2,265,000 $453,000 $9,371 2.75%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $2,195,000 $439,000 $5,659 3.13%
    Bainbridge, GA (FHA|USDA|VA) 14 $2,180,000 $155,714 $4,832 3.04%
    FLORENCE, SC (FHA|USDA|VA) 12 $2,130,000 $177,500 $4,888 3.02%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 6 $2,020,000 $336,667 $4,890 3.06%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 9 $1,995,000 $221,667 $3,723 3.71%
    Waycross, GA (FHA|USDA|VA) 18 $1,860,000 $103,333 $3,298 4.00%
    Outside of Metro Areas 3 $1,855,000 $618,333 $12,832 3.00%
    Henderson, NC (FHA|USDA|VA) 8 $1,790,000 $223,750 $3,871 2.94%
    TUSCALOOSA, AL (FHA|USDA|VA) 8 $1,700,000 $212,500 $5,611 3.72%
    Hilo, HI (FHA|USDA|VA) 4 $1,670,000 $417,500 $11,917 2.47%
    Gaffney, SC (FHA|USDA|VA) 8 $1,660,000 $207,500 $7,057 3.50%
    Vidalia, GA (FHA|USDA|VA) 18 $1,640,000 $91,111 $4,007 3.54%
    NAPA, CA (FHA|USDA|VA) 4 $1,630,000 $407,500 $4,485 3.28%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 9 $1,615,000 $179,444 $3,859 3.07%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 5 $1,595,000 $319,000 $4,836 3.08%
    Enterprise, AL (FHA|USDA|VA) 10 $1,590,000 $159,000 $4,541 3.03%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 6 $1,560,000 $260,000 $7,250 3.21%
    MOBILE, AL (FHA|USDA|VA) 5 $1,515,000 $303,000 $2,896 3.73%
    PITTSBURGH, PA (FHA|USDA|VA) 9 $1,495,000 $166,111 $5,739 3.16%
    COLUMBUS, OH (FHA|USDA|VA) 5 $1,465,000 $293,000 $4,227 2.90%
    VALLEJO, CA (FHA|USDA|VA) 4 $1,460,000 $365,000 $2,975 3.03%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 3 $1,455,000 $485,000 $4,096 2.92%
    Cookeville, TN (FHA|USDA|VA) 5 $1,445,000 $289,000 $3,693 3.00%
    BOULDER, CO (FHA|USDA|VA) 3 $1,445,000 $481,667 $4,956 2.88%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 6 $1,420,000 $236,667 $2,403 2.96%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 6 $1,400,000 $233,333 $4,934 3.08%
    ROCKY MOUNT, NC (FHA|USDA|VA) 8 $1,320,000 $165,000 $5,276 2.65%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 5 $1,305,000 $261,000 $3,025 3.58%
    Forest City, NC (FHA|USDA|VA) 4 $1,300,000 $325,000 $7,951 4.38%
    Red Bluff, CA (FHA|USDA|VA) 3 $1,295,000 $431,667 $6,450 3.17%
    Kinston, NC (FHA|USDA|VA) 8 $1,250,000 $156,250 $3,679 2.48%
    Thomaston, GA (FHA|USDA|VA) 5 $1,165,000 $233,000 $7,403 3.85%
    FRESNO, CA (FHA|USDA|VA) 3 $1,145,000 $381,667 $4,041 3.04%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 4 $1,130,000 $282,500 $4,765 2.75%
    Holland, MI (FHA|USDA|VA) 2 $1,090,000 $545,000 $4,092 3.12%
    Eufaula, AL-GA (FHA|USDA|VA) 7 $1,055,000 $150,714 $3,889 3.43%
    BEND, OR (FHA|USDA|VA) 2 $1,050,000 $525,000 $3,706 2.81%
    Lewisburg, TN (FHA|USDA|VA) 6 $1,050,000 $175,000 $4,471 2.79%
    Sanford, NC (FHA|USDA|VA) 5 $1,045,000 $209,000 $5,750 2.87%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $1,045,000 $348,333 $5,892 2.54%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $1,035,000 $1,035,000 $2,495 3.00%
    Jasper, AL (FHA|USDA|VA) 5 $1,035,000 $207,000 $4,854 3.38%
    CHICO, CA (FHA|USDA|VA) 3 $1,015,000 $338,333 $2,842 2.96%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 4 $1,010,000 $252,500 $7,474 2.84%
    OCEAN CITY, NJ (FHA|USDA|VA) 1 $985,000 $985,000 $0 3.00%
    Shelby, NC (FHA|USDA|VA) 5 $965,000 $193,000 $4,737 2.93%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $930,000 $465,000 $4,806 3.13%
    VISALIA, CA (FHA|USDA|VA) 4 $920,000 $230,000 $4,455 2.94%
    ROANOKE, VA (FHA|USDA|VA) 5 $885,000 $177,000 $3,934 2.98%
    LANCASTER, PA (FHA|USDA|VA) 3 $885,000 $295,000 $4,206 3.29%
    CLEVELAND, TN (FHA|USDA|VA) 4 $880,000 $220,000 $5,609 4.19%
    BAKERSFIELD, CA (FHA|USDA|VA) 3 $875,000 $291,667 $3,965 3.17%
    Jackson, WY-ID (FHA|USDA|VA) 1 $845,000 $845,000 $3,313 3.38%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $840,000 $210,000 $6,086 3.59%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 3 $815,000 $271,667 $6,130 2.75%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $810,000 $405,000 $7,166 2.63%
    North Wilkesboro, NC (FHA|USDA|VA) 3 $805,000 $268,333 $3,226 2.96%
    SALT LAKE CITY, UT (FHA|USDA|VA) 2 $800,000 $400,000 $4,308 3.12%
    Heber, UT (FHA|USDA|VA) 2 $790,000 $395,000 $7,712 2.50%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $785,000 $261,667 $9,961 2.88%
    Wilson, NC (FHA|USDA|VA) 4 $750,000 $187,500 $5,897 2.84%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $735,000 $735,000 $0 3.25%
    Greeneville, TN (FHA|USDA|VA) 2 $710,000 $355,000 $6,011 3.81%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $710,000 $177,500 $4,418 3.19%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $705,000 $705,000 $6,747 3.13%
    Marion, NC (FHA|USDA|VA) 2 $680,000 $340,000 $5,784 3.00%
    Elizabeth City, NC (FHA|USDA|VA) 3 $675,000 $225,000 $6,538 2.83%
    Mount Airy, NC (FHA|USDA|VA) 3 $675,000 $225,000 $6,849 3.33%
    TUCSON, AZ (FHA|USDA|VA) 2 $650,000 $325,000 $4,604 2.75%
    Fort Payne, AL (FHA|USDA|VA) 4 $640,000 $160,000 $4,623 3.03%
    Norwalk, OH (FHA|USDA|VA) 4 $600,000 $150,000 $4,717 3.50%
    Crossville, TN (FHA|USDA|VA) 3 $585,000 $195,000 $4,694 3.04%
    PUEBLO, CO (FHA|USDA|VA) 2 $580,000 $290,000 $4,141 2.87%
    MORRISTOWN, TN (FHA|USDA|VA) 4 $570,000 $142,500 $3,754 2.84%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $560,000 $280,000 $5,529 2.75%
    SPRINGFIELD, IL (FHA|USDA|VA) 3 $555,000 $185,000 $5,128 3.13%
    BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $550,000 $275,000 $4,577 3.19%
    Troy, AL (FHA|USDA|VA) 2 $550,000 $275,000 $7,225 3.50%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $545,000 $545,000 $4,381 3.38%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $545,000 $545,000 $6,891 3.13%
    LAFAYETTE, LA (FHA|USDA|VA) 1 $545,000 $545,000 $4,907 2.75%
    Ukiah, CA (FHA|USDA|VA) 1 $545,000 $545,000 $5,624 2.99%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $545,000 $545,000 $4,822 3.25%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $540,000 $270,000 $8,206 2.56%
    Show Low, AZ (FHA|USDA|VA) 1 $535,000 $535,000 $10,251 3.63%
    TOLEDO, OH (FHA|USDA|VA) 3 $515,000 $171,667 $5,278 2.71%
    Oxford, MS (FHA|USDA|VA) 2 $510,000 $255,000 $0 3.38%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $505,000 $505,000 $3,184 3.88%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $500,000 $250,000 $4,248 3.06%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $485,000 $485,000 $4,015 2.63%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $485,000 $485,000 $14,860 2.50%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $475,000 $158,333 $3,681 3.41%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $465,000 $465,000 $14,260 2.63%
    Ashland, OH (FHA|USDA|VA) 2 $450,000 $225,000 $2,863 2.75%
    Athens, TN (FHA|USDA|VA) 1 $445,000 $445,000 $8,595 4.75%
    Tupelo, MS (FHA|USDA|VA) 1 $445,000 $445,000 $3,992 2.88%
    AMES, IA (FHA|USDA|VA) 1 $445,000 $445,000 $3,728 3.25%
    Findlay, OH (FHA|USDA|VA) 2 $440,000 $220,000 $3,161 3.25%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $435,000 $435,000 $4,185 2.88%
    YUBA CITY, CA (FHA|USDA|VA) 2 $430,000 $215,000 $2,133 2.99%
    Jesup, GA (FHA|USDA|VA) 2 $430,000 $215,000 $3,210 3.18%
    MONROE, LA (FHA|USDA|VA) 2 $430,000 $215,000 $7,332 2.75%
    Stephenville, TX (FHA|USDA|VA) 1 $425,000 $425,000 $4,946 3.13%
    Richmond-Berea, KY (FHA|USDA|VA) 2 $420,000 $210,000 $3,320 2.87%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $415,000 $415,000 $3,275 2.88%
    Cambridge, MD (FHA|USDA|VA) 1 $405,000 $405,000 $7,683 4.38%
    MODESTO, CA (FHA|USDA|VA) 1 $405,000 $405,000 $2,864 2.99%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $405,000 $405,000 $4,242 3.13%
    Dyersburg, TN (FHA|USDA|VA) 1 $405,000 $405,000 $2,898 3.25%
    STAUNTON, VA (FHA|USDA|VA) 2 $390,000 $195,000 $3,303 3.19%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $370,000 $185,000 $4,010 3.69%
    Astoria, OR (FHA|USDA|VA) 1 $365,000 $365,000 $9,011 2.99%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $365,000 $365,000 $3,084 2.99%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $360,000 $180,000 $3,858 2.69%
    Fitzgerald, GA (FHA|USDA|VA) 3 $355,000 $118,333 $4,491 3.08%
    MERCED, CA (FHA|USDA|VA) 1 $345,000 $345,000 $3,669 2.63%
    Vineyard Haven, MA (FHA|USDA|VA) 1 $345,000 $345,000 $2,952 2.99%
    YAKIMA, WA (FHA|USDA|VA) 1 $345,000 $345,000 $4,493 3.00%
    JACKSON, TN (FHA|USDA|VA) 2 $340,000 $170,000 $3,282 2.81%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $335,000 $335,000 $5,457 3.13%
    GETTYSBURG, PA (FHA|USDA|VA) 2 $330,000 $165,000 $3,816 2.94%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $325,000 $325,000 $14,800 2.63%
    Granbury, TX (FHA|USDA|VA) 1 $315,000 $315,000 $6,059 2.99%
    Rolla, MO (FHA|USDA|VA) 1 $315,000 $315,000 $13,750 2.88%
    GREELEY, CO (FHA|USDA|VA) 1 $305,000 $305,000 $3,250 2.25%
    Arcadia, FL (FHA|USDA|VA) 1 $285,000 $285,000 $4,031 2.38%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $285,000 $285,000 $4,405 3.13%
    LAWRENCE, KS (FHA|USDA|VA) 1 $285,000 $285,000 $6,026 2.88%
    Traverse City, MI (FHA|USDA|VA) 1 $275,000 $275,000 $2,888 2.75%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.00%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $265,000 $265,000 $2,797 2.63%
    COLUMBIA, MO (FHA|USDA|VA) 1 $265,000 $265,000 $2,192 3.00%
    DECATUR, AL (FHA|USDA|VA) 2 $260,000 $130,000 $4,581 3.38%
    Moscow, ID (FHA|USDA|VA) 1 $255,000 $255,000 $4,385 3.25%
    ROCKFORD, IL (FHA|USDA|VA) 1 $255,000 $255,000 $7,414 3.00%
    ERIE, PA (FHA|USDA|VA) 1 $255,000 $255,000 $4,783 2.38%
    WICHITA, KS (FHA|USDA|VA) 1 $245,000 $245,000 $8,382 2.25%
    Murray, KY (FHA|USDA|VA) 1 $245,000 $245,000 $3,553 3.38%
    MUSKEGON, MI (FHA|USDA|VA) 1 $235,000 $235,000 $2,661 3.25%
    Paris, TN (FHA|USDA|VA) 1 $235,000 $235,000 $3,916 2.75%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $230,000 $115,000 $4,481 4.50%
    Clewiston, FL (FHA|USDA|VA) 1 $225,000 $225,000 $7,741 2.88%
    SPRINGFIELD, MA (FHA|USDA|VA) 1 $225,000 $225,000 $7,737 2.63%
    Washington, NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,526 3.25%
    Columbus, MS (FHA|USDA|VA) 1 $215,000 $215,000 $3,653 3.63%
    Albertville, AL (FHA|USDA|VA) 1 $215,000 $215,000 $4,050 2.88%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $205,000 $205,000 $5,124 3.13%
    Fairmont, WV (FHA|USDA|VA) 1 $205,000 $205,000 $3,456 3.13%
    Ashtabula, OH (FHA|USDA|VA) 1 $205,000 $205,000 $3,439 2.88%
    Clovis, NM (FHA|USDA|VA) 1 $195,000 $195,000 $9,631 2.88%
    JACKSON, MS (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.63%
    TULSA, OK (FHA|USDA|VA) 1 $185,000 $185,000 $4,012 3.25%
    Iron Mountain, MI-WI (FHA|USDA|VA) 1 $185,000 $185,000 $9,186 3.13%
    JONESBORO, AR (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.00%
    Union, SC (FHA|USDA|VA) 1 $185,000 $185,000 $6,620 3.13%
    HARRISONBURG, VA (FHA|USDA|VA) 2 $180,000 $90,000 $2,482 2.75%
    Starkville, MS (FHA|USDA|VA) 1 $175,000 $175,000 $3,302 2.25%
    STATE COLLEGE, PA (FHA|USDA|VA) 1 $175,000 $175,000 $3,495 3.50%
    GREEN BAY, WI (FHA|USDA|VA) 1 $165,000 $165,000 $5,281 2.63%
    Clearlake, CA (FHA|USDA|VA) 1 $165,000 $165,000 $0 2.99%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $155,000 $155,000 $2,552 3.00%
    Dayton, TN (FHA|USDA|VA) 1 $145,000 $145,000 $3,292 3.38%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $145,000 $145,000 $1,700 2.88%
    Danville, VA (FHA|USDA|VA) 1 $145,000 $145,000 $5,262 2.88%
    Branson, MO (FHA|USDA|VA) 1 $135,000 $135,000 $2,467 3.38%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $135,000 $135,000 $2,726 3.38%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $135,000 $135,000 $4,946 2.63%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $125,000 $125,000 $5,117 3.38%
    Wilmington, OH (FHA|USDA|VA) 1 $125,000 $125,000 $4,978 2.63%
    Sandusky, OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,605 3.63%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $115,000 $115,000 $1,889 2.75%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $115,000 $115,000 $2,886 3.75%
    READING, PA (FHA|USDA|VA) 1 $115,000 $115,000 $3,394 3.13%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.50%
    CHARLESTON, WV (FHA|USDA|VA) 1 $115,000 $115,000 $3,266 3.00%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $115,000 $115,000 $1,666 2.75%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $95,000 $95,000 $4,835 2.88%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $75,000 $75,000 $2,048 2.50%

    Ameris Bank's top markets include Atlanta, Washington, Jacksonville, Charleston, and Nashville among others.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 23,384 $7,832,800,000 $334,964 $4,365 3.09%
    FHA 2,830 $695,650,000 $245,813 $8,264 3.05%
    VA 1,911 $669,795,000 $350,495 $7,365 2.66%
    HELOC 681 $96,395,000 $141,549 n/a 4.06%
    USDA 375 $71,415,000 $190,440 $5,532 2.91%

    For 2021, Ameris Bank's most frequently originated type of loan was Conventional, with 23,384 originations. Their 2nd most popular type was FHA, with 2,830 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 16,756 $5,559,550,000 $331,795 $5,771 3.12%
    Refi 7,527 $2,388,625,000 $317,341 $3,665 2.90%
    Cash Out Refi 4,288 $1,337,150,000 $311,835 $4,338 3.11%
    Home Improvement 488 $62,370,000 $127,807 $0 4.06%
    Other 122 $18,360,000 $150,492 $0 4.07%

    For 2021, Ameris Bank's most frequently cited loan purpose was Home Purchase, with 16,756 originations. The 2nd most popular reason was Refi, with 7,527 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 23,683 $7,798,725,000 $329,296 $5,106 3.06%
    15 Year 3,163 $700,345,000 $221,418 $3,340 2.93%
    30+ year 959 $429,465,000 $447,826 $9,069 4.27%
    20 Year 714 $178,630,000 $250,182 $3,397 2.85%
    Other 295 $88,485,000 $299,949 $3,169 3.52%
    10 Year 273 $66,165,000 $242,363 $2,115 2.45%
    5 Year 87 $69,955,000 $804,080 $27 3.86%
    1 Year 4 $5,560,000 $1,390,000 $0 3.70%
    3 Year 3 $28,725,000 $9,575,000 $0 3.08%

    For 2021, Ameris Bank's most frequently cited loan duration was 30 Year, with 23,683 originations. The 2nd most popular length was 15 Year, with 3,163 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 18,684 $5,900,440,000 $315,802
    $<1k 2,681 $809,565,000 $301,964
    $2k-3k 2,275 $667,495,000 $293,404
    $3k-4k 1,237 $409,435,000 $330,990
    $5k+ 1,179 $692,465,000 $587,332
    $4k-5k 631 $238,225,000 $377,536

    Ameris Bank's average total fees were $5,106, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 18,684 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 14,160 $4,673,360,000 $330,040
    3-4% 10,390 $3,329,960,000 $320,497
    <2.5% 3,171 $926,415,000 $292,152
    4-5% 1,140 $338,440,000 $296,877
    5-6% 208 $71,320,000 $342,885
    6-7% 104 $26,280,000 $252,692
    Over 8% 5 $105,000 $21,000
    7-8% 3 $175,000 $58,333

    During 2021, Ameris Bank's average interest rate for loans was 3.06%, while their most frequently originated rate bucket for loans was 2.5-3%, with 14,160 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 13,789 $3,964,265,000 $287,495 $4,941 3.05%
    $100k-200k 6,729 $1,041,315,000 $154,750 $3,977 3.12%
    $400k-600k 5,163 $2,490,115,000 $482,300 $5,643 3.04%
    $600k-1MM 1,590 $1,168,930,000 $735,176 $7,663 3.14%
    $100,000 or less 1,537 $96,565,000 $62,827 $2,368 3.20%
    $1MM+ 373 $604,865,000 $1,621,622 $11,668 3.38%

    2021 saw Ameris Bank place emphasis on $200k-400k loans with 13,789 originations, totaling $3,964,265,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 6,597 $2,187,075,000 $331,526 $5,000 3.08%
    $50k-75k 5,794 $1,304,490,000 $225,145 $4,790 3.04%
    $150k-250k 5,235 $2,119,765,000 $404,922 $5,150 3.12%
    $75k-100k 4,871 $1,352,215,000 $277,605 $5,038 3.06%
    $50k or less 3,392 $542,880,000 $160,047 $4,363 3.01%
    $250k+ 2,729 $1,546,915,000 $566,843 $6,296 3.22%

    Ameris Bank lent most frequently to those with incomes in the $100k-150k range, with 6,597 originations. The second most popular income band? $50k-75k, with 5,794 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 6,783 $2,162,665,000 $318,836 $4,615 3.04%
    30-36% 5,331 $1,705,535,000 $319,928 $4,968 3.10%
    <20% 2,925 $887,665,000 $303,475 $4,075 2.98%
    40% 1,057 $335,535,000 $317,441 $5,002 3.12%
    42% 1,043 $369,265,000 $354,041 $5,438 3.13%
    44% 1,033 $319,335,000 $309,134 $5,304 3.16%
    39% 1,023 $329,775,000 $322,361 $5,395 3.22%
    43% 1,011 $314,545,000 $311,123 $5,290 3.14%
    38% 1,010 $342,030,000 $338,644 $5,249 3.15%
    50-60% 991 $287,115,000 $289,723 $7,694 2.87%
    41% 981 $334,365,000 $340,841 $5,370 3.14%
    37% 974 $314,800,000 $323,203 $5,086 3.15%
    36% 956 $308,650,000 $322,856 $4,939 3.15%
    45% 779 $230,415,000 $295,783 $5,114 3.05%
    49% 743 $226,395,000 $304,704 $5,360 3.07%
    46% 680 $203,350,000 $299,044 $5,368 3.06%
    47% 673 $210,095,000 $312,177 $5,345 3.05%
    48% 640 $197,820,000 $309,094 $5,329 3.11%
    >60% 47 $12,395,000 $263,723 $5,233 2.89%

    Ameris Bank lent most frequently to those with DTI ratios of 20-30%, with 6,783 originations. The next most common DTI ratio? 30-36%, with 5,331 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 19,781 $6,154,775,000 $311,146 $4,814 3.09%
    Not provided 4,155 $1,456,585,000 $350,562 $5,068 3.05%
    Black 3,142 $865,410,000 $275,433 $6,039 3.04%
    Asian 1,776 $674,200,000 $379,617 $5,148 2.98%
    Not applicable 146 $162,080,000 $1,110,137 $0 3.99%
    American Indian 125 $35,305,000 $282,440 $5,149 3.13%
    Native Hawaiian or Islander 41 $14,265,000 $347,927 $5,867 2.87%
    Asian Indian 9 $2,345,000 $260,556 $4,417 3.29%
    Other Asian 2 $410,000 $205,000 $3,308 2.75%
    Japanese 1 $275,000 $275,000 $4,164 2.88%
    Other Pacific Islander 2 $270,000 $135,000 $5,456 4.13%
    Chinese 1 $135,000 $135,000 $3,520 2.63%

    Approval Rates

    Total approvals of all applications
    93.91%

    Ameris Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    75.81%

    Ameris Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 29,181 $9,366,055,000 $320,964

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    29,181 $9,366,055,000 $320,964

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,521 $340,835,000 $224,086 $3,347 3.09%
    40-60% 3,901 $1,253,865,000 $321,421 $3,701 2.95%
    60-80% 10,120 $3,524,570,000 $348,278 $4,511 3.16%
    80-100% 12,551 $4,032,885,000 $321,320 $5,726 3.07%
    Over 100% 430 $156,270,000 $363,419 $13,184 2.78%
    Under 20% 623 $43,655,000 $70,072 $905 2.95%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    AMERIS BANCORP VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 2.0%
    AMERIS BANCORP VA mortgage Problem with a credit reporting company's investigation into an existing problem 1 2.0%
    AMERIS BANCORP Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 8.0%
    AMERIS BANCORP Other type of mortgage Closing on a mortgage 1 2.0%
    AMERIS BANCORP Other type of mortgage Struggling to pay mortgage 2 4.0%
    AMERIS BANCORP Other type of mortgage Trouble during payment process 2 4.0%
    AMERIS BANCORP VA mortgage Trouble during payment process 4 8.0%
    AMERIS BANCORP Conventional home mortgage Struggling to pay mortgage 2 4.0%
    AMERIS BANCORP Conventional home mortgage Trouble during payment process 25 50.0%
    AMERIS BANCORP FHA mortgage Closing on a mortgage 1 2.0%
    AMERIS BANCORP FHA mortgage Struggling to pay mortgage 2 4.0%
    AMERIS BANCORP FHA mortgage Trouble during payment process 5 10.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Ameris Bank 10 Baynard Park Newnan, GA 30265 Full Service B&M $63,354
    Ameris Bank 110 Highway A1a North Ponte Vedra Beach, FL 32082 Full Service B&M $38,367
    Ameris Bank 11100 San Jose Boulevard Jacksonville, FL 32223 Full Service B&M $241,521
    Ameris Bank 1115 Old Peachtree Road, N.W. Suwanee, GA 30024 Full Service B&M $115,169
    Ameris Bank 1118 South Orange Avenue Orlando, FL 32806 Full Service B&M $50,878
    Ameris Bank 1120 Commerce Dr Decatur, GA 30030 Full Service B&M $280,957
    Ameris Bank 114 John Frank Ward Boulevard Mcdonough, GA 30253 Full Service B&M $81,482
    Ameris Bank 114 West 6th Avenue Buena Vista, GA 31803 Full Service B&M $39,772
    Ameris Bank 1140 S Eufaula Avenue Eufaula, AL 36027 Full Service B&M $39,906
    Ameris Bank 1170 Highway 54 Fayetteville, GA 30214 Full Service B&M $68,209
    Ameris Bank 11790 Panama City Beach Parkway Panama City Beach, FL 32407 Full Service B&M $147,283
    Ameris Bank 1180 Peachtree St Ne Ste 2610 Atlanta, GA 30309 Full Service B&M $287,049
    Ameris Bank 1200 Lake Murray Boulevard Irmo, SC 29063 Full Service B&M $81,417
    Ameris Bank 1220 Cobb Parkway North Marietta, GA 30062 Full Service B&M $53,451
    Ameris Bank 138 S Highway 90 East Defuniak Springs, FL 32433 Full Service B&M $54,427
    Ameris Bank 140 North Main Street, Suite 102 Summerville, SC 29483 Full Service B&M $23,159
    Ameris Bank 140 Towne Center Boulevard Pooler, GA 31322 Full Service B&M $121,417
    Ameris Bank 1425 Dunwoody Village Parkway Dunwoody, GA 30338 Full Service B&M $91,188
    Ameris Bank 14288 Beach Boulevard Ste. 100 Jacksonville, FL 32224 Full Service B&M $94,412
    Ameris Bank 14977 Us Hwy 19 S Thomasville, GA 31792 Full Service B&M $114,793
    Ameris Bank 150 S. Monroe St Ste 100 & 200 Tallahassee, FL 32301 Full Service B&M $83,683
    Ameris Bank 1583 Howell Mill Rd Atlanta, GA 30318 Full Service B&M $99,724
    Ameris Bank 159 Woodstock Square Ave Woodstock, GA 30188 Full Service B&M $54,509
    Ameris Bank 1595 Scenic Hwy North Snellville, GA 30078 Full Service B&M $31,013
    Ameris Bank 1614 Woodruff Rd Greenville, SC 29607 Full Service B&M $100,453
    Ameris Bank 162 East Crawford Street Colquitt, GA 39837 Full Service B&M $50,219
    Ameris Bank 16763 Southeast Pear Street Blountstown, FL 32424 Full Service B&M $66,850
    Ameris Bank 2060 A1a S Saint Augustine, FL 32080 Full Service B&M $88,956
    Ameris Bank 208 East Green Street Monticello, GA 31064 Full Service B&M $93,457
    Ameris Bank 2080 Riverside Parkway Lawrenceville, GA 30043 Full Service B&M $101,824
    Ameris Bank 210 South Oak Street Jackson, GA 30233 Full Service B&M $146,707
    Ameris Bank 2101 Capital Circle Ne Tallahassee, FL 32308 Full Service B&M $19,383
    Ameris Bank 2101 Veterans Boulevard Dublin, GA 31021 Full Service B&M $46,131
    Ameris Bank 2110 Memorial Dr Waycross, GA 31501 Full Service B&M $63,131
    Ameris Bank 214 Roswell Street Marietta, GA 30060 Full Service B&M $48,226
    Ameris Bank 2200 E Main St Dothan, AL 36301 Full Service B&M $36,703
    Ameris Bank 225 Sandy Springs Circle Sandy Springs, GA 30328 Full Service B&M $206,800
    Ameris Bank 2255 Northlake Parkway Tucker, GA 30084 Full Service B&M $118,390
    Ameris Bank 2318 Highway 155 Mcdonough, GA 30252 Full Service B&M $61,538
    Ameris Bank 2348 Boundary Street Beaufort, SC 29902 Full Service B&M $122,896
    Ameris Bank 2743 Perimeter Parkway, Bldg 100, Suite 100 Augusta, GA 30909 Full Service B&M $22,597
    Ameris Bank 285 South Broad Street Ellaville, GA 31806 Full Service B&M $51,709
    Ameris Bank 2936 North Druid Hills Road Atlanta, GA 30329 Full Service B&M $94,399
    Ameris Bank 295 Fairview Road Ellenwood, GA 30294 Full Service B&M $66,455
    Ameris Bank 3 Corporate Square Atlanta, GA 30329 Full Service Cyber Office $0
    Ameris Bank 300 S Main St Moultrie, GA 31768 Full Service B&M $334,012
    Ameris Bank 300 South Irwin Avenue Ocilla, GA 31774 Full Service B&M $69,511
    Ameris Bank 3005 53rd Avenue East Bradenton, FL 34203 Full Service B&M $23,483
    Ameris Bank 301 East Church Street Cartersville, GA 30120 Full Service B&M $144,181
    Ameris Bank 301 N. Main Street Greenville, SC 29601 Limited, Administrative $0
    Ameris Bank 3020 Paces Mill Road Suite 150 Atlanta, GA 30339 Full Service B&M $110,237
    Ameris Bank 305 N.W. 75th Street, Tower Center Shopping Center Gainesville, FL 32607 Full Service B&M $68,267
    Ameris Bank 31 Main St Unit 101 Jekyll Island, GA 31527 Full Service B&M $62,386
    Ameris Bank 3595 Marietta Highway Canton, GA 30114 Full Service B&M $116,269
    Ameris Bank 3607 Mundy Mill Road Oakwood, GA 30566 Full Service B&M $47,099
    Ameris Bank 3811 Frederica Road Saint Simons Island, GA 31522 Full Service B&M $51,682
    Ameris Bank 4070 Us 1 S Saint Augustine, FL 32086 Full Service B&M $83,977
    Ameris Bank 412 Stephenson Avenue Savannah, GA 31405 Full Service B&M $161,442
    Ameris Bank 415 Grayson Highway Lawrenceville, GA 30046 Full Service B&M $51,560
    Ameris Bank 4290 Hartley Bridge Rd Macon, GA 31216 Full Service B&M $3,575
    Ameris Bank 4343 Roosevelt Boulevard Jacksonville, FL 32210 Full Service B&M $64,541
    Ameris Bank 450 23rd Street East Panama City, FL 32405 Full Service B&M $59,672
    Ameris Bank 4591 Peachtree Industrial Blvd. Berkeley Lake, GA 30092 Full Service B&M $24,671
    Ameris Bank 4806 North Henry Boulevard Stockbridge, GA 30281 Full Service B&M $182,319
    Ameris Bank 4835 Town Center Parkway Jacksonville, FL 32246 Full Service B&M $197,203
    Ameris Bank 485 Blanding Boulevard Orange Park, FL 32073 Full Service B&M $74,485
    Ameris Bank 605 West Highway 80 Pooler, GA 31322 Limited, Administrative $0
    Ameris Bank 6100 Stewart Parkway Douglasville, GA 30135 Full Service B&M $32,094
    Ameris Bank 6157 Fairburn Rd Douglasville, GA 30134 Full Service B&M $133,926
    Ameris Bank 6805 Morrison Blvd, Suite 310 Charlotte, NC 28211 Full Service B&M $6,654
    Ameris Bank 7000 Sw Archer Road Gainesville, FL 32608 Full Service B&M $54,449
    Ameris Bank 701 West Main Street Lexington, SC 29072 Full Service B&M $79,777
    Ameris Bank 7051 Manatee Avenue West Bradenton, FL 34207 Full Service B&M $83,571
    Ameris Bank 735 W 2nd St Tifton, GA 31794 Full Service B&M $0
    Ameris Bank 79 Ne 121st Street Cross City, FL 32628 Full Service B&M $46,613
    Ameris Bank 790 North Ponce De Leon Boulevard Saint Augustine, FL 32084 Full Service B&M $189,764
    Ameris Bank 8048 Normandy Blvd Jacksonville, FL 32221 Full Service B&M $114,268
    Ameris Bank 830 Old Piedmont Road Marietta, GA 30066 Full Service B&M $77,629
    Ameris Bank 833 South Cobb Drive Se Marietta, GA 30060 Full Service B&M $55,844
    Ameris Bank 100 South Pearl Avenue Douglas, GA 31533 Full Service B&M $82,024
    Ameris Bank 100 Southpark Blvd Saint Augustine, FL 32086 Full Service B&M $105,559
    Ameris Bank 100 West Park Drive Peachtree City, GA 30269 Full Service B&M $88,943
    Ameris Bank 1000 West Screven Street Quitman, GA 31643 Full Service B&M $83,113
    Ameris Bank 1005 Tyrone Road Tyrone, GA 30290 Full Service B&M $52,212
    Ameris Bank 101 West Hendry Street Hinesville, GA 31313 Full Service B&M $291,230
    Ameris Bank 102 Newnan Crossing Bypass Newnan, GA 30265 Full Service B&M $112,970
    Ameris Bank 10425 Ford Ave Richmond Hill, GA 31324 Full Service B&M $114,559
    Ameris Bank 10611 Deerwood Park Blvd Jacksonville, FL 32256 Full Service B&M $244,523
    Ameris Bank 108 Magnolia Road Charleston, SC 29407 Limited, Drive-thru $0
    Ameris Bank 109 West Third Street Donalsonville, GA 39845 Full Service B&M $48,207
    Ameris Bank 10905 Jones Bridge Road Johns Creek, GA 30022 Full Service B&M $63,920
    Ameris Bank 10920 Crabapple Road Roswell, GA 30075 Full Service B&M $96,440
    Ameris Bank 1223 Johnson Ferry Road Marietta, GA 30068 Full Service B&M $116,528
    Ameris Bank 1259 West Granada Boulevard Ormond Beach, FL 32174 Full Service B&M $171,699
    Ameris Bank 1267 Southlake Circle Morrow, GA 30260 Full Service B&M $35,658
    Ameris Bank 127 1st St E Tifton, GA 31794 Full Service B&M $318,375
    Ameris Bank 1275 Riverstone Parkway Canton, GA 30114 Full Service B&M $71,830
    Ameris Bank 12901 West Colonial Drive Winter Garden, FL 34787 Full Service B&M $70,706
    Ameris Bank 1301 Riverplace Boulevard Jacksonville, FL 32207 Full Service B&M $230,254
    Ameris Bank 1315 S 3rd St Jacksonville Beach, FL 32250 Full Service B&M $109,535
    Ameris Bank 1325 Hembree Road Roswell, GA 30076 Full Service B&M $114,112
    Ameris Bank 1333 Main Street, Suite 100 & 200 Columbia, SC 29201 Full Service B&M $130,602
    Ameris Bank 135 Perimeter Center West Atlanta, GA 30346 Full Service B&M $235,174
    Ameris Bank 137 West Broad Avenue Doerun, GA 31744 Full Service B&M $27,483
    Ameris Bank 1375 Highway 20 W Mcdonough, GA 30253 Full Service B&M $66,709
    Ameris Bank 1705 East First Street Vidalia, GA 30474 Full Service B&M $181,029
    Ameris Bank 1707 First Avenue, S.E. Moultrie, GA 31768 Full Service B&M $117,561
    Ameris Bank 1775 Eagle Harbor Parkway Fleming Island, FL 32003 Full Service B&M $81,987
    Ameris Bank 181 Cypress Point Parkway Palm Coast, FL 32164 Full Service B&M $86,694
    Ameris Bank 182 West Liberty Street Lyons, GA 30436 Full Service B&M $79,120
    Ameris Bank 1907 Sr 211 Hoschton, GA 30548 Full Service B&M $171,653
    Ameris Bank 1908 Highway 81 East Mcdonough, GA 30252 Full Service B&M $39,879
    Ameris Bank 1911 Old Ocilla Road Tifton, GA 31794 Full Service B&M $49,000
    Ameris Bank 1945 Ga Highway 138 North Conyers, GA 30013 Full Service B&M $48,201
    Ameris Bank 20 West May Street Winder, GA 30680 Full Service B&M $69,314
    Ameris Bank 201 Ohio Avenue South Live Oak, FL 32064 Full Service B&M $96,892
    Ameris Bank 201 South Broad Street Cairo, GA 39828 Full Service B&M $110,116
    Ameris Bank 204 Kirkland Street Abbeville, AL 36310 Full Service B&M $20,213
    Ameris Bank 2357 Sthy 90 West Lake City, FL 32055 Full Service B&M $131,402
    Ameris Bank 2401 Windy Ridge Parkway Atlanta, GA 30339 Full Service B&M $204,697
    Ameris Bank 2412 Cortez Rd W Bradenton, FL 34207 Full Service B&M $43,315
    Ameris Bank 2509 Osborne Rd Saint Marys, GA 31558 Full Service B&M $176,896
    Ameris Bank 2513 South Main Street Moultrie, GA 31768 Full Service B&M $23,504
    Ameris Bank 255 Peachtree Industrial Blvd Sugar Hill, GA 30518 Full Service B&M $20,124
    Ameris Bank 26 Drayton Street Savannah, GA 31401 Full Service B&M $157,187
    Ameris Bank 260 Peachtree Street, N.E. Ste 100 Atlanta, GA 30303 Full Service B&M $69,197
    Ameris Bank 2601 Se Maricamp Road Ocala, FL 34471 Full Service B&M $109,392
    Ameris Bank 2606 South Highway 77 Lynn Haven, FL 32444 Full Service B&M $51,226
    Ameris Bank 2627 Dawson Road Albany, GA 31707 Full Service B&M $386,973
    Ameris Bank 2628 Crawfordville Highway Crawfordville, FL 32327 Full Service B&M $68,461
    Ameris Bank 2740 Nuckolls Road Cumming, GA 30041 Full Service B&M $64,714
    Ameris Bank 3140 Inner Perimeter Road Valdosta, GA 31602 Full Service B&M $214,773
    Ameris Bank 3239 Vineville Ave. Macon, GA 31204 Full Service B&M $154,090
    Ameris Bank 325 North Main Street High Springs, FL 32643 Full Service B&M $81,028
    Ameris Bank 3299 Ross Clark Circle Dothan, AL 36303 Full Service B&M $74,619
    Ameris Bank 3361 North Main Street Gainesville, FL 32602 Full Service B&M $76,828
    Ameris Bank 3411 Ernest Barrett Pkwy Marietta, GA 30064 Full Service B&M $59,508
    Ameris Bank 3440 Cypress Mill Road Brunswick, GA 31520 Full Service B&M $313,572
    Ameris Bank 349 Coleman Blvd Mount Pleasant, SC 29464 Full Service B&M $64,743
    Ameris Bank 3490 Piedmont Rd, Ne, Suite 1550 Atlanta, GA 30305 Full Service B&M $2,331,898
    Ameris Bank 3490 Piedmont Road Ne Atlanta, GA 30305 Full Service B&M $0
    Ameris Bank 3500 Holcomb Bridge Road Norcross, GA 30092 Full Service B&M $58,881
    Ameris Bank 3505 West Lake Mary Boulevard Lake Mary, FL 32746 Full Service B&M $139,120
    Ameris Bank 3570 A1a South Saint Augustine, FL 32080 Full Service B&M $92,180
    Ameris Bank 494 Ponce De Leon Avenue Atlanta, GA 30308 Full Service B&M $48,687
    Ameris Bank 4979 Bill Gardner Pkwy. Locust Grove, GA 30248 Full Service B&M $54,591
    Ameris Bank 501 W Hwy80 Pooler, GA 31322 Full Service B&M $91,081
    Ameris Bank 5010 Nw 43rd St Gainesville, FL 32606 Full Service B&M $215,678
    Ameris Bank 5015 Windward Pkwy Alpharetta, GA 30004 Full Service B&M $136,404
    Ameris Bank 505 Haines Avenue Waycross, GA 31501 Full Service B&M $148,913
    Ameris Bank 510 South Second Street Cordele, GA 31015 Full Service B&M $77,043
    Ameris Bank 530 East Wade Street Trenton, FL 32693 Full Service B&M $74,973
    Ameris Bank 5400 Sw College Rd Ocala, FL 34474 Full Service B&M $48,444
    Ameris Bank 560 Atlantic Boulevard Neptune Beach, FL 32266 Full Service B&M $82,509
    Ameris Bank 5799 Hwy 21 S Rincon, GA 31326 Full Service B&M $94,622
    Ameris Bank 5895 Jeff Davis Lane, Nw Acworth, GA 30101 Full Service B&M $121,952
    Ameris Bank 601 Reid Street Palatka, FL 32177 Full Service B&M $71,650
    Ameris Bank 834 Savannah Highway Charleston, SC 29407 Full Service B&M $63,705
    Ameris Bank 839 South Fifth Street Macclenny, FL 32063 Full Service B&M $70,530
    Ameris Bank 8410 Senoia Rd Fairburn, GA 30213 Full Service B&M $35,141
    Ameris Bank 854 Washington Street Gainesville, GA 30501 Full Service B&M $168,397
    Ameris Bank 901 Bowens Mill Rd Sw Douglas, GA 31533 Full Service B&M $92,617
    Ameris Bank 922 Joe Frank Harris Pkwy Se Cartersville, GA 30120 Full Service B&M $82,043
    Ameris Bank 97 South Broad Street Butler, GA 31006 Full Service B&M $52,735
    Ameris Bank 9819 Cortez Road West Bradenton, FL 34210 Full Service B&M $76,707
    Ameris Bank 995 North Haben Blvd Palmetto, FL 34221 Full Service B&M $157,024
    Ameris Bank Highway 26 And Quail Street Melrose, FL 32666 Full Service B&M $58,298
    Ameris Bank The Landmark Building, 301 N. Main Street, Suite 300 Greenville, SC 29601 Full Service B&M $7,152
    Ameris Bank 100 Commercial Circle Keystone Heights, FL 32656 Full Service B&M $47,354
    Ameris Bank 100 N Hgwy 19 Palatka, FL 32177 Full Service B&M $46,298

    For 2021, Ameris Bank had 170 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $703,112
    Net interest income $674,937
    Total noninterest income $362,824
    Gross Fiduciary activities income $4,985
    Service charges on deposit accounts $28,308
    Trading account gains and fees $0
    Additional Noninterest Income $329,531
    Pre-tax net operating income $531,086
    Securities gains (or losses, -) $515
    Income before extraordinary items $405,437
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $405,437
    Minority interest net income $0
    Net income $405,437
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $405,030

    Ameris Bank's gross interest income from loans was $703,112,000.
    Ameris Bank's net interest income from loans was $674,937,000.
    Ameris Bank's fee based income from loans was $28,308,000.
    Ameris Bank's net income from loans was $405,437,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $28,175
    Provision for credit losses $-35,365
    Total noninterest expense $542,040
    Salaries and employee benefits $325,346
    Premises and equipment expense $47,225
    Additional noninterest expense $169,469
    Applicable income taxes $126,164
    Net charge-offs $6,193
    Cash dividends $142,000

    Ameris Bank's interest expense for loans was $28,175,000.
    Ameris Bank's payroll and benefits expense were $325,346,000.
    Ameris Bank's property, plant and equipment expenses $47,225,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $19,906,333
    Deposits held in domestic offices $19,906,333
    Deposits by Individuals, partnerships, and corporations $17,124,137
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $2,776,928
    Deposits by Commercial banks and other depository institutions in U.S. $5,268
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,820,656
    Demand deposits $2,285,681
    Nontransaction accounts $17,085,677
    Money market deposit accounts (MMDAs) $5,345,726
    Other savings deposits (excluding MMDAs) $9,936,884
    Total time deposits $1,803,067
    Total time and savings deposits $17,620,652
    Noninterest-bearing deposits $8,015,603
    Interest-bearing deposits $11,890,730
    Retail deposits $19,069,677
    IRAs and Keogh plan accounts $277,555
    Brokered deposits $326,002
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $23,754,594
    Cash & Balances due from depository institutions $4,044,657
    Interest-bearing balances $3,736,844
    Total securities $672,919
    Federal funds sold & reverse repurchase $20,000
    Net loans and leases $16,961,308
    Loan and leases loss allowance $167,582
    Trading account assets $0
    Bank premises and fixed assets $281,470
    Other real estate owned $4,550
    Goodwill and other intangibles $1,274,670
    All other assets $495,020

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $23,754,594
    Total Liabilities $20,674,687
    Total deposits $19,906,333
    Interest-bearing deposits $11,890,730
    Deposits held in domestic offices $19,906,333
    % insured (estimated) $54
    Federal funds purchased and repurchase agreements $5,845
    Trading liabilities $0
    Other borrowed funds $312,721
    Subordinated debt $126,528
    All other liabilities $323,260

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $16,961,308
    Loan and leases loss allowance $167,582
    Total loans and leases (domestic) $17,128,890
    All real estate loans $12,633,674
    Real estate loans in domestic offices $12,633,674
    Construction and development loans $1,452,339
    Residential 1-4 family construction $687,048
    Other construction, all land development and other land $765,291
    Loans secured by nonfarm nonresidential properties $6,062,608
    Nonfarm nonresidential secured by owner-occupied properties $1,721,172
    Commercial real estate & other non-farm, non-residential $4,341,436
    Multifamily residential real estate $596,001
    1-4 family residential loans $4,342,982
    Farmland loans $179,744
    Loans held in foreign offices $0
    Farm loans $56,977
    Commercial and industrial loans $2,402,454
    To non-U.S. addressees $0
    Loans to individuals $457,073
    Credit card loans $0
    Related Plans $10,796
    Consumer Auto Loans $273,854
    Other loans to individuals $172,423
    All other loans & leases $1,578,712
    Loans to foreign governments and official institutions $0
    Other loans $850,099
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $63,941
    Non 1-4 family restructured loans & leases $38,574
    Total loans and leases (foreign) $0

    Ameris Bank had $16,961,308,000 of loans outstanding in 2021. $12,633,674,000 of loans were in real estate loans. $1,452,339,000 of loans were in development loans. $596,001,000 of loans were in multifamily mortgage loans. $4,342,982,000 of loans were in 1-4 family mortgage loans. $56,977,000 of loans were in farm loans. $0 of loans were in credit card loans. $273,854,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 3,313 $848,991 $256,260
    Nonfarm, nonresidential loans - <$100k 385 $13,812 $35,875
    Nonfarm, nonresidential loans - $100-250k 912 $101,233 $111,001
    Nonfarm, nonresidential loans - $250k-1MM 2,016 $733,946 $364,061
    Commercial & Industrial, US addressed loans - <$1MM 92,351 $1,612,206 $17,457
    Commercial & Industrial, US addressed loans - <$100k 84,825 $698,732 $8,237
    Commercial & Industrial, US addressed loans - $100-250k 5,424 $469,986 $86,649
    Commercial & Industrial, US addressed loans - $250k-1MM 2,102 $443,488 $210,984
    Farmland loans - <$1MM 480 $55,632 $115,900
    Farmland loans - <$100k 196 $7,712 $39,347
    Farmland loans - $100-250k 171 $20,282 $118,608
    Farmland loans - $250k-1MM 113 $27,638 $244,584
    Agriculture operations loans - <$1MM 545 $21,387 $39,242
    Agriculture operations loans - <$100k 414 $8,655 $20,906
    Agriculture operations loans - $100-250k 72 $4,375 $60,764
    Agriculture operations loans - $250k-1MM 59 $8,357 $141,644