Ameris Bank Mortgage Rates, Fees & Info

Atlanta, GA

LEI: IUGPUX5LWRZ3B6KIZ697

Tax ID: 58-1111076

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Review & Overview

    Ameris Bank is a small 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, Charleston, Columbia, Jacksonville, and Nashville among others. We have data for 181 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) 6.27% 4/22/24
    30 Year Conventional Purchase 6.62% 4/22/24
    30 Year Conventional Refi 6.52% 4/22/24
    30 Year Cash-out Refi 6.74% 4/22/24
    30 Year FHA Purchase 7.27% 4/22/24
    30 Year FHA Refi 7.09% 4/22/24
    30 Year VA Purchase 6.19% 4/22/24
    30 Year VA Refi 6.12% 4/22/24
    30 Year USDA Purchase 6.72% 4/22/24
    30 Year USDA Refi 6.27% 4/22/24
    15 Year Conventional Purchase 6.10% 4/22/24
    15 Year Conventional Refi 6.07% 4/22/24
    15 Year Cash-out Refi 6.07% 4/22/24
    15 Year FHA Purchase 6.94% 4/22/24
    15 Year FHA Refi 6.33% 4/22/24
    15 Year VA Purchase 5.61% 4/22/24
    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

    7,316

    Origination Dollar Volume (All Markets)

    $1,683,950,000

    Employee count

    1,804 Show all (21) awards

    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) 928 $217,770,000 $234,666 $5,134 4.76%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 641 $187,305,000 $292,207 $4,259 4.66%
    COLUMBIA, SC (FHA|USDA|VA) 873 $180,875,000 $207,188 $4,581 4.69%
    JACKSONVILLE, FL (FHA|USDA|VA) 552 $161,140,000 $291,920 $5,508 4.88%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 338 $98,680,000 $291,953 $4,768 4.64%
    SAVANNAH, GA (FHA|USDA|VA) 295 $67,875,000 $230,085 $4,992 4.86%
    GAINESVILLE, FL (FHA|USDA|VA) 306 $67,480,000 $220,523 $4,430 4.64%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 231 $56,685,000 $245,390 $4,845 4.96%
    TALLAHASSEE, FL (FHA|USDA|VA) 230 $53,630,000 $233,174 $4,328 4.86%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 203 $46,365,000 $228,399 $4,146 4.78%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 154 $45,710,000 $296,818 $4,364 4.75%
    Outside of Metro Areas 253 $37,055,000 $146,462 $4,101 5.03%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 153 $31,985,000 $209,052 $3,973 4.74%
    WARNER ROBINS, GA (FHA|USDA|VA) 138 $27,830,000 $201,667 $4,763 4.54%
    OCALA, FL (FHA|USDA|VA) 162 $23,530,000 $145,247 $3,957 4.80%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 35 $20,595,000 $588,429 $7,710 4.78%
    VALDOSTA, GA (FHA|USDA|VA) 115 $20,465,000 $177,957 $4,243 4.92%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 120 $18,640,000 $155,333 $5,382 4.47%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 60 $17,220,000 $287,000 $5,446 5.06%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 68 $15,060,000 $221,471 $4,093 4.76%
    SPARTANBURG, SC (FHA|USDA|VA) 75 $13,795,000 $183,933 $4,721 4.85%
    ALBANY, GA (FHA|USDA|VA) 73 $13,095,000 $179,384 $3,686 5.14%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 8 $10,320,000 $1,290,000 $15,138 5.00%
    HINESVILLE, GA (FHA|USDA|VA) 71 $10,175,000 $143,310 $4,809 5.32%
    SUMTER, SC (FHA|USDA|VA) 57 $10,145,000 $177,982 $6,254 4.63%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 47 $9,795,000 $208,404 $5,161 4.58%
    PANAMA CITY, FL (FHA|USDA|VA) 57 $8,855,000 $155,351 $4,773 5.20%
    BRUNSWICK, GA (FHA|USDA|VA) 46 $8,640,000 $187,826 $4,249 5.24%
    GAINESVILLE, GA (FHA|USDA|VA) 36 $8,170,000 $226,944 $4,667 4.90%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 34 $8,070,000 $237,353 $4,718 4.87%
    Moultrie, GA (FHA|USDA|VA) 65 $7,805,000 $120,077 $3,491 5.30%
    DOTHAN, AL (FHA|USDA|VA) 55 $7,545,000 $137,182 $3,923 5.37%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 31 $6,805,000 $219,516 $4,059 5.11%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 23 $6,745,000 $293,261 $6,361 4.89%
    KNOXVILLE, TN (FHA|USDA|VA) 30 $5,850,000 $195,000 $4,681 4.66%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 27 $5,195,000 $192,407 $5,402 4.36%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 24 $4,830,000 $201,250 $3,178 5.02%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 12 $4,720,000 $393,333 $10,090 4.68%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $4,625,000 $355,769 $6,440 5.19%
    Tifton, GA (FHA|USDA|VA) 41 $4,385,000 $106,951 $3,646 5.25%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 27 $3,865,000 $143,148 $4,639 4.94%
    Statesboro, GA (FHA|USDA|VA) 20 $3,770,000 $188,500 $5,461 4.94%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 7 $3,705,000 $529,286 $4,662 4.96%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 17 $3,675,000 $216,176 $4,497 4.80%
    Georgetown, SC (FHA|USDA|VA) 8 $3,420,000 $427,500 $3,708 4.77%
    Lake City, FL (FHA|USDA|VA) 16 $3,130,000 $195,625 $5,346 4.77%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $2,995,000 $599,000 $5,833 5.03%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 15 $2,885,000 $192,333 $5,570 4.39%
    THE VILLAGES, FL (FHA|USDA|VA) 12 $2,820,000 $235,000 $5,773 4.58%
    Palatka, FL (FHA|USDA|VA) 21 $2,785,000 $132,619 $3,203 4.82%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 14 $2,740,000 $195,714 $4,747 4.55%
    St. Marys, GA (FHA|USDA|VA) 18 $2,400,000 $133,333 $4,111 5.31%
    Americus, GA (FHA|USDA|VA) 20 $2,380,000 $119,000 $1,626 5.04%
    Vidalia, GA (FHA|USDA|VA) 30 $2,330,000 $77,667 $2,677 5.09%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 5 $2,315,000 $463,000 $11,482 4.25%
    Orangeburg, SC (FHA|USDA|VA) 4 $2,240,000 $560,000 $3,642 4.72%
    Thomasville, GA (FHA|USDA|VA) 15 $2,215,000 $147,667 $3,868 5.48%
    COLUMBUS, GA-AL (FHA|USDA|VA) 20 $2,210,000 $110,500 $3,575 5.60%
    Jefferson, GA (FHA|USDA|VA) 11 $2,165,000 $196,818 $5,236 4.70%
    Seneca, SC (FHA|USDA|VA) 10 $2,130,000 $213,000 $4,243 4.48%
    MONTGOMERY, AL (FHA|USDA|VA) 11 $1,735,000 $157,727 $3,680 4.80%
    Waycross, GA (FHA|USDA|VA) 11 $1,695,000 $154,091 $4,933 4.60%
    Douglas, GA (FHA|USDA|VA) 17 $1,645,000 $96,765 $2,756 5.91%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3 $1,435,000 $478,333 $10,386 4.63%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 6 $1,410,000 $235,000 $4,223 4.46%
    Eufaula, AL-GA (FHA|USDA|VA) 9 $1,315,000 $146,111 $5,007 5.09%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,250,000 $208,333 $6,408 4.42%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 5 $1,245,000 $249,000 $3,854 4.65%
    Calhoun, GA (FHA|USDA|VA) 8 $1,240,000 $155,000 $3,897 5.00%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,230,000 $615,000 $4,065 4.19%
    Cedartown, GA (FHA|USDA|VA) 7 $1,205,000 $172,143 $3,746 5.05%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $1,175,000 $391,667 $4,137 4.67%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 4 $1,170,000 $292,500 $4,680 5.22%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $1,170,000 $292,500 $4,179 4.63%
    ASHEVILLE, NC (FHA|USDA|VA) 5 $1,165,000 $233,000 $5,805 4.58%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $1,140,000 $570,000 $7,477 4.94%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $1,135,000 $378,333 $11,498 5.33%
    Newberry, SC (FHA|USDA|VA) 5 $1,135,000 $227,000 $6,351 5.13%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $1,125,000 $1,125,000 $18,968 3.75%
    Cullowhee, NC (FHA|USDA|VA) 2 $1,110,000 $555,000 $12,548 5.13%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $13,565 4.38%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,085,000 $217,000 $2,337 5.00%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $1,065,000 $355,000 $9,710 4.54%
    LaGrange, GA-AL (FHA|USDA|VA) 13 $1,065,000 $81,923 $3,208 5.30%
    FLORENCE, SC (FHA|USDA|VA) 7 $1,045,000 $149,286 $4,601 4.66%
    Alexander City, AL (FHA|USDA|VA) 2 $1,020,000 $510,000 $3,153 4.75%
    Boone, NC (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $13,664 5.38%
    RALEIGH-CARY, NC (FHA|USDA|VA) 3 $1,005,000 $335,000 $3,766 4.71%
    BOISE CITY, ID (FHA|USDA|VA) 2 $950,000 $475,000 $5,082 4.81%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 8 $940,000 $117,500 $3,949 5.06%
    Gaffney, SC (FHA|USDA|VA) 4 $910,000 $227,500 $2,664 4.78%
    Milledgeville, GA (FHA|USDA|VA) 8 $910,000 $113,750 $2,884 4.04%
    WINSTON-SALEM, NC (FHA|USDA|VA) 7 $875,000 $125,000 $4,043 5.04%
    Cornelia, GA (FHA|USDA|VA) 4 $860,000 $215,000 $3,439 4.72%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $835,000 $167,000 $4,722 4.38%
    HUNTSVILLE, AL (FHA|USDA|VA) 4 $810,000 $202,500 $3,153 4.63%
    Marion, NC (FHA|USDA|VA) 1 $805,000 $805,000 $9,205 4.88%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $800,000 $400,000 $6,125 4.81%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $755,000 $755,000 $4,148 5.00%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $725,000 $725,000 $25,382 5.13%
    Blackfoot, ID (FHA|USDA|VA) 1 $705,000 $705,000 $14,928 4.63%
    Lewisburg, TN (FHA|USDA|VA) 3 $695,000 $231,667 $7,263 4.29%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $680,000 $340,000 $9,430 4.19%
    GADSDEN, AL (FHA|USDA|VA) 4 $660,000 $165,000 $6,445 4.47%
    Sevierville, TN (FHA|USDA|VA) 4 $660,000 $165,000 $4,990 5.09%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $635,000 $635,000 $10,019 3.75%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $625,000 $208,333 $2,674 4.67%
    TUSCALOOSA, AL (FHA|USDA|VA) 4 $620,000 $155,000 $3,137 4.94%
    STOCKTON, CA (FHA|USDA|VA) 2 $610,000 $305,000 $2,518 4.50%
    Bainbridge, GA (FHA|USDA|VA) 3 $585,000 $195,000 $2,875 4.46%
    LYNCHBURG, VA (FHA|USDA|VA) 2 $580,000 $290,000 $2,337 5.06%
    ROME, GA (FHA|USDA|VA) 4 $560,000 $140,000 $4,320 4.50%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $555,000 $185,000 $3,961 5.63%
    Van Wert, OH (FHA|USDA|VA) 4 $550,000 $137,500 $4,175 4.25%
    Cordele, GA (FHA|USDA|VA) 8 $550,000 $68,750 $2,769 5.67%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $545,000 $545,000 $19,834 4.88%
    Fitzgerald, GA (FHA|USDA|VA) 5 $535,000 $107,000 $4,462 5.03%
    DALTON, GA (FHA|USDA|VA) 2 $530,000 $265,000 $3,772 4.81%
    North Wilkesboro, NC (FHA|USDA|VA) 1 $525,000 $525,000 $7,719 4.63%
    Oxford, MS (FHA|USDA|VA) 2 $520,000 $260,000 $3,370 4.81%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 2 $520,000 $260,000 $3,767 4.44%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $515,000 $515,000 $6,096 3.88%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $495,000 $495,000 $3,972 5.13%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $475,000 $475,000 $6,235 5.50%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $475,000 $475,000 $4,158 3.88%
    STAUNTON, VA (FHA|USDA|VA) 3 $455,000 $151,667 $5,336 4.58%
    WILMINGTON, NC (FHA|USDA|VA) 2 $440,000 $220,000 $3,697 5.63%
    Greenwood, SC (FHA|USDA|VA) 2 $440,000 $220,000 $2,742 5.13%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $425,000 $425,000 $14,499 6.38%
    TOLEDO, OH (FHA|USDA|VA) 3 $425,000 $141,667 $4,654 4.33%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $425,000 $425,000 $4,986 4.88%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $415,000 $138,333 $4,722 4.29%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $390,000 $195,000 $5,484 4.63%
    FAIRBANKS, AK (FHA|USDA|VA) 1 $365,000 $365,000 $13,341 4.50%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $365,000 $365,000 $5,514 4.50%
    Findlay, OH (FHA|USDA|VA) 1 $365,000 $365,000 $7,715 4.63%
    Crossville, TN (FHA|USDA|VA) 3 $355,000 $118,333 $3,005 4.88%
    TUCSON, AZ (FHA|USDA|VA) 1 $355,000 $355,000 $15,697 4.38%
    BURLINGTON, NC (FHA|USDA|VA) 2 $350,000 $175,000 $3,541 5.13%
    Cookeville, TN (FHA|USDA|VA) 1 $345,000 $345,000 $13,814 3.88%
    Ozark, AL (FHA|USDA|VA) 3 $315,000 $105,000 $4,880 6.22%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $315,000 $315,000 $3,000 4.63%
    Key West, FL (FHA|USDA|VA) 1 $305,000 $305,000 $17,070 5.38%
    LIMA, OH (FHA|USDA|VA) 2 $290,000 $145,000 $4,688 4.38%
    Enterprise, AL (FHA|USDA|VA) 3 $285,000 $95,000 $2,958 5.38%
    Lawrenceburg, TN (FHA|USDA|VA) 1 $265,000 $265,000 $3,360 5.00%
    Tiffin, OH (FHA|USDA|VA) 2 $260,000 $130,000 $2,265 4.63%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $255,000 $255,000 $2,142 4.13%
    DECATUR, AL (FHA|USDA|VA) 1 $255,000 $255,000 $10,876 5.25%
    Fremont, OH (FHA|USDA|VA) 2 $250,000 $125,000 $2,627 5.19%
    Corinth, MS (FHA|USDA|VA) 1 $245,000 $245,000 $8,441 4.63%
    Mount Airy, NC (FHA|USDA|VA) 1 $245,000 $245,000 $3,462 4.88%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $240,000 $120,000 $2,446 3.94%
    Thomaston, GA (FHA|USDA|VA) 2 $240,000 $120,000 $4,463 4.56%
    AKRON, OH (FHA|USDA|VA) 1 $235,000 $235,000 $2,486 4.63%
    RICHMOND, VA (FHA|USDA|VA) 1 $225,000 $225,000 $3,443 4.13%
    BATON ROUGE, LA (FHA|USDA|VA) 1 $225,000 $225,000 $7,525 4.50%
    Norwalk, OH (FHA|USDA|VA) 2 $210,000 $105,000 $2,801 4.81%
    Brevard, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,651 4.75%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $205,000 $205,000 $2,783 4.00%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $185,000 $185,000 $8,372 4.25%
    Tupelo, MS (FHA|USDA|VA) 1 $175,000 $175,000 $6,281 4.50%
    Marion, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,944 4.63%
    Dublin, GA (FHA|USDA|VA) 3 $165,000 $55,000 $2,907 5.17%
    Jasper, AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,606 4.75%
    Jesup, GA (FHA|USDA|VA) 1 $155,000 $155,000 $5,020 4.75%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.50%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $145,000 $145,000 $3,116 4.38%
    Ashland, OH (FHA|USDA|VA) 1 $135,000 $135,000 $4,522 3.88%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $135,000 $135,000 $3,034 4.88%
    Celina, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,777 4.25%
    Newport, TN (FHA|USDA|VA) 1 $125,000 $125,000 $6,597 4.88%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $125,000 $125,000 $5,491 5.75%
    Forest City, NC (FHA|USDA|VA) 1 $115,000 $115,000 $4,676 5.13%
    BOULDER, CO (FHA|USDA|VA) 1 $105,000 $105,000 $2,682 4.88%
    Cullman, AL (FHA|USDA|VA) 1 $105,000 $105,000 $3,530 4.00%
    JACKSON, TN (FHA|USDA|VA) 1 $85,000 $85,000 $4,350 4.50%
    Athens, TN (FHA|USDA|VA) 1 $85,000 $85,000 $4,444 3.88%
    Bennettsville, SC (FHA|USDA|VA) 1 $75,000 $75,000 $3,478 4.38%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $65,000 $65,000 $2,787 5.38%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $55,000 $55,000 $2,074 5.13%
    Ameris Bank's top markets include Atlanta, Charleston, Columbia, Jacksonville, and Nashville among others.

    Their top states include:
  • South Carolina (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,789 $1,173,915,000 $245,127 $3,917 4.90%
    FHA 1,383 $249,545,000 $180,437 $6,180 4.66%
    VA 887 $223,535,000 $252,012 $6,147 4.57%
    USDA 255 $36,925,000 $144,804 $4,594 4.57%
    HELOC 2 $30,000 $15,000 n/a 5.95%

    For 2018, Ameris Bank's most frequently originated type of loan was Conventional, with 4,789 originations. Their 2nd most popular type was FHA, with 1,383 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 6,205 $1,413,235,000 $227,757 $4,842 4.76%
    Refi 646 $172,930,000 $267,693 $3,157 5.04%
    Cash Out Refi 429 $95,025,000 $221,503 $4,906 4.92%
    Home Improvement 30 $2,390,000 $79,667 $2,525 5.93%
    Other 5 $195,000 $39,000 $1,628 8.05%
    NA 1 $175,000 $175,000 $7,454 4.25%

    For 2018, Ameris Bank's most frequently cited loan purpose was Home Purchase, with 6,205 originations. The 2nd most popular reason was Refi, with 646 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 6,226 $1,473,580,000 $236,682 $4,869 4.75%
    15 Year 418 $69,400,000 $166,029 $3,134 4.86%
    5 Year 174 $30,710,000 $176,494 $176 5.82%
    Other 140 $30,130,000 $215,214 $1,657 5.84%
    30+ year 125 $44,435,000 $355,480 $7,566 5.19%
    10 Year 115 $14,765,000 $128,391 $659 4.13%
    20 Year 100 $17,910,000 $179,100 $3,103 4.89%
    1 Year 15 $2,985,000 $199,000 $0 5.87%
    3 Year 3 $35,000 $11,667 $978 7.60%

    For 2018, Ameris Bank's most frequently cited loan duration was 30 Year, with 6,226 originations. The 2nd most popular length was 15 Year, with 418 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 3,752 $835,650,000 $222,721
    $<1k 1,727 $361,905,000 $209,557
    $2k-3k 499 $93,025,000 $186,423
    $5k+ 256 $147,640,000 $576,719
    $3k-4k 228 $55,410,000 $243,026
    $4k-5k 129 $38,695,000 $299,961

    Ameris Bank's average total fees were $4,869, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,752 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 5,014 $1,202,960,000 $239,920
    5-6% 1,453 $309,395,000 $212,935
    3-4% 468 $131,920,000 $281,880
    6-7% 195 $30,315,000 $155,462
    7-8% 41 $4,535,000 $110,610
    <2.5% 26 $130,000 $5,000
    Over 8% 21 $655,000 $31,190
    2.5-3% 10 $2,940,000 $294,000

    During 2018, Ameris Bank's average interest rate for loans was 4.75%, while their most frequently originated rate bucket for loans was 4-5%, with 5,014 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,799 $765,255,000 $273,403 $5,044 4.70%
    $100k-200k 2,780 $418,160,000 $150,417 $4,331 4.78%
    $100,000 or less 1,026 $59,500,000 $57,992 $2,451 5.26%
    $400k-600k 510 $234,010,000 $458,843 $5,861 4.70%
    $600k-1MM 139 $102,395,000 $736,655 $9,715 4.70%
    $1MM+ 62 $104,630,000 $1,687,581 $15,674 4.72%

    2018 saw Ameris Bank place emphasis on $200k-400k loans with 2,799 originations, totaling $765,255,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,831 $328,255,000 $179,276 $4,582 4.75%
    $50k or less 1,596 $198,230,000 $124,204 $4,058 4.81%
    $100k-150k 1,373 $372,705,000 $271,453 $4,717 4.77%
    $75k-100k 1,206 $268,420,000 $222,570 $4,670 4.76%
    $150k-250k 770 $246,180,000 $319,714 $5,203 4.84%
    $250k+ 395 $213,865,000 $541,430 $7,445 4.82%

    Ameris Bank lent most frequently to those with incomes in the $50k-75k range, with 1,831 originations. The second most popular income band? $50k or less, with 1,596 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,306 $296,160,000 $226,769 $4,273 4.72%
    30-36% 1,187 $277,255,000 $233,576 $4,455 4.75%
    50-60% 560 $122,130,000 $218,089 $6,097 4.68%
    <20% 424 $87,580,000 $206,557 $3,829 4.78%
    44% 316 $70,450,000 $222,943 $5,064 4.81%
    42% 306 $74,020,000 $241,895 $4,777 4.79%
    41% 305 $72,295,000 $237,033 $4,418 4.80%
    40% 289 $72,905,000 $252,266 $4,975 4.80%
    43% 273 $64,055,000 $234,634 $5,133 4.81%
    39% 256 $57,480,000 $224,531 $4,527 4.78%
    36% 248 $61,060,000 $246,210 $5,014 4.85%
    38% 245 $57,075,000 $232,959 $5,054 4.78%
    49% 238 $56,720,000 $238,319 $4,817 4.76%
    45% 236 $49,070,000 $207,924 $4,731 4.74%
    37% 234 $52,880,000 $225,983 $4,773 4.83%
    46% 217 $48,375,000 $222,926 $4,567 4.76%
    47% 188 $43,170,000 $229,628 $5,004 4.76%
    48% 173 $38,355,000 $221,705 $5,046 4.74%
    >60% 48 $13,340,000 $277,917 $3,519 5.22%

    Ameris Bank lent most frequently to those with DTI ratios of 20-30%, with 1,306 originations. The next most common DTI ratio? 30-36%, with 1,187 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,433 $1,233,155,000 $226,975 $4,661 4.79%
    Black 875 $168,105,000 $192,120 $4,954 4.79%
    Not provided 573 $148,985,000 $260,009 $4,789 4.77%
    Asian 246 $63,510,000 $258,171 $4,614 4.74%
    Not applicable 127 $54,385,000 $428,228 $0 5.69%
    American Indian 34 $6,890,000 $202,647 $4,191 4.68%
    Asian Indian 10 $4,910,000 $491,000 $6,326 4.56%
    Native Hawaiian or Islander 8 $1,620,000 $202,500 $4,336 4.98%
    Other Asian 4 $1,310,000 $327,500 $8,037 4.72%
    Other Pacific Islander 2 $490,000 $245,000 $7,493 4.50%
    Chinese 2 $340,000 $170,000 $4,854 5.06%
    Filipino 2 $250,000 $125,000 $3,227 5.00%

    Approval Rates

    Total approvals of all applications
    91.09%

    Ameris Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.81%

    Ameris Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    150.0 1 $15,000 $15,000
    NA 7,315 $1,683,935,000 $230,203

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $3,040,000 $1,520,000
    Multifamily:Site-Built 24 $28,510,000 $1,187,917
    Single Family (1-4 Units):Manufactured 177 $15,375,000 $86,864
    Single Family (1-4 Units):Site-Built 7,113 $1,637,025,000 $230,146

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 223 $33,735,000 $151,278 $2,760 5.21%
    40-60% 472 $105,520,000 $223,559 $3,560 4.91%
    60-80% 1,689 $442,905,000 $262,229 $4,186 4.91%
    80-100% 4,458 $1,027,360,000 $230,453 $4,932 4.72%
    Over 100% 258 $68,310,000 $264,767 $9,514 4.67%
    Under 20% 215 $6,105,000 $28,395 $647 5.11%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    AMERIS BANCORP Other type of mortgage Closing on a mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Ameris Bank 1707 First Avenue, S.E. Moultrie, GA 31768 Full Service B&M $28,282
    Ameris Bank 1705 East First Street Vidalia, GA 30474 Full Service B&M $166,536
    Ameris Bank 79 Ne 121st Street Cross City, FL 32628 Full Service B&M $32,004
    Ameris Bank 100 Commercial Circle Keystone Heights, FL 32656 Full Service B&M $28,279
    Ameris Bank 100 North Highway 19 Palatka, FL 32177 Full Service B&M $28,512
    Ameris Bank 100 South Pearl Avenue Douglas, GA 31533 Full Service B&M $53,217
    Ameris Bank 100 Southpark Boulevard Saint Augustine, FL 32086 Full Service B&M $42,326
    Ameris Bank 1000 West Screven Street Quitman, GA 31643 Full Service B&M $54,598
    Ameris Bank 101 West Hendry Street Hinesville, GA 31313 Full Service B&M $152,493
    Ameris Bank 10425 Ford Avenue Richmond Hill, GA 31324 Full Service B&M $65,356
    Ameris Bank 108 Canton Road Cumming, GA 30040 Full Service B&M $28,061
    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 $46,747
    Ameris Bank 11100 San Jose Boulevard Jacksonville, FL 32223 Full Service B&M $141,441
    Ameris Bank 114 John Frank Ward Boulevard Mcdonough, GA 30253 Full Service B&M $75,871
    Ameris Bank 114 West 6th Avenue Buena Vista, GA 31803 Full Service B&M $33,030
    Ameris Bank 1140 S Eufaula Avenue Eufaula, AL 36027 Full Service B&M $31,635
    Ameris Bank 115 East Central Avenue Fitzgerald, GA 31750 Full Service B&M $19,604
    Ameris Bank 11790 Panama City Beach Parkway Panama City Beach, FL 32407 Full Service B&M $49,603
    Ameris Bank 1180 Peachtree Street, Ne, Suite 2610 Atlanta, GA 30309 Full Service B&M $93,849
    Ameris Bank 12 Euharlee Road, Suite A Cartersville, GA 30120 Limited, Drive-thru $3,700
    Ameris Bank 1200 Lake Murray Boulevard Irmo, SC 29063 Full Service B&M $66,859
    Ameris Bank 121 West Forsyth Street, Ste 150 Jacksonville, FL 32202 Full Service B&M $84,380
    Ameris Bank 1259 West Granada Boulevard Ormond Beach, FL 32174 Full Service B&M $63,126
    Ameris Bank 127 First Street Tifton, GA 31794 Full Service B&M $49,672
    Ameris Bank 1275 Riverstone Parkway Canton, GA 30114 Full Service B&M $64,562
    Ameris Bank 1298 Concord Road Smyrna, GA 30080 Full Service B&M $18,102
    Ameris Bank 1301 Riverplace Boulevard Jacksonville, FL 32207 Full Service B&M $57,916
    Ameris Bank 1315 South Third Street Jacksonville Beach, FL 32250 Full Service B&M $121,799
    Ameris Bank 1333 Main Street, Suite 100 & 200 Columbia, SC 29201 Full Service B&M $209,104
    Ameris Bank 137 West Broad Avenue Doerun, GA 31744 Full Service B&M $22,334
    Ameris Bank 138 S Highway 90 East Defuniak Springs, FL 32433 Full Service B&M $33,483
    Ameris Bank 140 Towne Center Boulevard Pooler, GA 31322 Full Service B&M $92,876
    Ameris Bank 14288 Beach Boulevard Ste. 100 Jacksonville, FL 32224 Full Service B&M $48,920
    Ameris Bank 14977 Us Highway 19 S Thomasville, GA 31792 Full Service B&M $76,175
    Ameris Bank 150 S. Monroe Street, Suites 100 & 200 Tallahassee, FL 32301 Full Service B&M $66,220
    Ameris Bank 159 Woodstock Square Avenue Woodstock, GA 30188 Full Service B&M $23,472
    Ameris Bank 1596 Washington Street Jefferson, GA 30549 Full Service B&M $26,852
    Ameris Bank 1614 Woodruff Road Greenville, SC 29607 Full Service B&M $61,975
    Ameris Bank 162 East Crawford Street Colquitt, GA 39837 Full Service B&M $36,811
    Ameris Bank 16763 Southeast Pear Street Blountstown, FL 32424 Full Service B&M $43,643
    Ameris Bank 1708 Old Trolley Road, Suite C Summerville, SC 29485 Full Service B&M $23,210
    Ameris Bank 1775 Eagle Harbor Parkway Fleming Island, FL 32003 Full Service B&M $72,079
    Ameris Bank 1790 Kernan Blvd South Jacksonville, FL 32246 Full Service B&M $30,797
    Ameris Bank 181 Cypress Point Parkway Palm Coast, FL 32164 Full Service B&M $72,826
    Ameris Bank 1810 Hudson Bridge Road Stockbridge, GA 30281 Full Service B&M $47,296
    Ameris Bank 182 West Liberty Street Lyons, GA 30436 Full Service B&M $56,008
    Ameris Bank 1907 Highway 211 Hoschton, GA 30548 Full Service B&M $189,873
    Ameris Bank 1908 Highway 81 East Mcdonough, GA 30252 Full Service B&M $28,414
    Ameris Bank 1911 Old Ocilla Road Tifton, GA 31794 Full Service B&M $32,088
    Ameris Bank 201 Ohio Avenue South Live Oak, FL 32064 Full Service B&M $67,852
    Ameris Bank 201 South Broad Street Cairo, GA 39828 Full Service B&M $86,544
    Ameris Bank 204 Kirkland Street Abbeville, AL 36310 Full Service B&M $24,901
    Ameris Bank 2060 A1a Highway South Saint Augustine, FL 32080 Full Service B&M $75,502
    Ameris Bank 208 East Green Street Monticello, GA 31064 Full Service B&M $61,177
    Ameris Bank 210 South Oak Street Jackson, GA 30233 Full Service B&M $90,706
    Ameris Bank 2101 Veterans Boulevard Dublin, GA 31021 Full Service B&M $41,457
    Ameris Bank 2110 Memorial Dr Waycross, GA 31501 Full Service B&M $64,371
    Ameris Bank 2111 East Oglethorpe Expressway Albany, GA 31705 Full Service B&M $31,748
    Ameris Bank 2200 E Main Street Dothan, AL 36303 Full Service B&M $44,759
    Ameris Bank 2318 Highway 155 Mcdonough, GA 30252 Full Service B&M $53,419
    Ameris Bank 2348 Boundary Street Beaufort, SC 29902 Full Service B&M $68,868
    Ameris Bank 2357 Sthy 90 West Lake City, FL 32055 Full Service B&M $68,715
    Ameris Bank 2509 Osborne Road Saint Marys, GA 31558 Full Service B&M $93,626
    Ameris Bank 2513 South Main Street Moultrie, GA 31768 Full Service B&M $17,639
    Ameris Bank 26 Drayton Street Savannah, GA 31401 Full Service B&M $139,294
    Ameris Bank 2601 Se Maricamp Road Ocala, FL 34471 Full Service B&M $39,687
    Ameris Bank 2606 South Highway 77 Lynn Haven, FL 32444 Full Service B&M $45,518
    Ameris Bank 2627 Dawson Road Albany, GA 31707 Full Service B&M $255,960
    Ameris Bank 2628 Crawfordville Highway Crawfordville, FL 32327 Full Service B&M $58,797
    Ameris Bank 2766 Race Track Rd Julington Creek, FL 32259 Full Service B&M $35,498
    Ameris Bank 285 South Broad Street Ellaville, GA 31806 Full Service B&M $44,857
    Ameris Bank 295 Fairview Road Ellenwood, GA 30294 Full Service B&M $58,321
    Ameris Bank 300 South Irwin Avenue Ocilla, GA 31774 Full Service B&M $41,607
    Ameris Bank 300 South Main Street Moultrie, GA 31768 Full Service B&M $762,715
    Ameris Bank 301 East Church Street Cartersville, GA 30120 Full Service B&M $102,909
    Ameris Bank 301 N. Main Street Greenville, SC 29601 Limited, Administrative $0
    Ameris Bank 305 N.W. 75th Street, Tower Center Shopping Center Gainesville, FL 32607 Full Service B&M $33,032
    Ameris Bank 31 Main Street, Unit 101 Jekyll Island, GA 31527 Full Service B&M $38,887
    Ameris Bank 3140 Inner Perimeter Road Valdosta, GA 31602 Full Service B&M $64,934
    Ameris Bank 325 North Main Street High Springs, FL 32643 Full Service B&M $62,877
    Ameris Bank 3299 Ross Clark Circle Dothan, AL 36303 Full Service B&M $76,309
    Ameris Bank 3361 North Main Street Gainesville, FL 32602 Full Service B&M $59,204
    Ameris Bank 3411 Ernest Barrett Parkway Marietta, GA 30064 Full Service B&M $56,740
    Ameris Bank 3440 Cypress Mill Road Brunswick, GA 31520 Full Service B&M $149,769
    Ameris Bank 349 Coleman Blvd Mount Pleasant, SC 29464 Full Service B&M $50,749
    Ameris Bank 3491 Skyview Drive Lithia Springs, GA 30122 Full Service B&M $25,007
    Ameris Bank 3528 Highway 53 Hoschton, GA 30548 Full Service B&M $31,353
    Ameris Bank 355 Sw Bentley Pl Lake City, FL 32025 Full Service B&M $44,423
    Ameris Bank 3595 Marietta Highway Canton, GA 30114 Full Service B&M $44,080
    Ameris Bank 3607 Mundy Mill Road Oakwood, GA 30566 Full Service B&M $50,100
    Ameris Bank 3811 Frederica Road Saint Simons Island, GA 31522 Full Service B&M $37,495
    Ameris Bank 4070 Us 1 South Saint Augustine, FL 32086 Full Service B&M $52,595
    Ameris Bank 412 Stephenson Avenue Savannah, GA 31405 Full Service B&M $142,496
    Ameris Bank 4343 Roosevelt Boulevard Jacksonville, FL 32210 Full Service B&M $43,834
    Ameris Bank 450 23rd Street East Panama City, FL 32405 Full Service B&M $58,589
    Ameris Bank 4655 Salisbury Road, Suite 110 Jacksonville, FL 32256 Limited, Administrative $0
    Ameris Bank 4806 North Henry Boulevard Stockbridge, GA 30281 Full Service B&M $114,437
    Ameris Bank 4835 Town Center Parkway Jacksonville, FL 32246 Full Service B&M $165,746
    Ameris Bank 485 Blanding Boulevard Orange Park, FL 32073 Full Service B&M $71,128
    Ameris Bank 4979 Bill Gardner Pkwy. Locust Grove, GA 30248 Full Service B&M $38,356
    Ameris Bank 501 West Highway 80 Pooler, GA 31322 Full Service B&M $60,031
    Ameris Bank 5010 N.W. 43rd Street Gainesville, FL 32606 Full Service B&M $96,860
    Ameris Bank 505 Haines Avenue Waycross, GA 31501 Full Service B&M $211,417
    Ameris Bank 510 South Second Street Cordele, GA 31015 Full Service B&M $58,821
    Ameris Bank 5100 S.W. 25th Boulevard Gainesville, FL 32608 Full Service B&M $26,778
    Ameris Bank 519 Hardee Street Dallas, GA 30132 Full Service B&M $22,051
    Ameris Bank 530 East Wade Street Trenton, FL 32693 Full Service B&M $54,554
    Ameris Bank 5400 Southwest College Road Ocala, FL 34481 Full Service B&M $30,368
    Ameris Bank 560 Atlantic Boulevard Neptune Beach, FL 32266 Full Service B&M $61,502
    Ameris Bank 5799 Highway 21 South Rincon, GA 31326 Full Service B&M $58,929
    Ameris Bank 5895 Jeff Davis Lane, Nw Acworth, GA 30101 Full Service B&M $40,901
    Ameris Bank 601 Reid Street Palatka, FL 32177 Full Service B&M $42,745
    Ameris Bank 605 West Highway 80 Pooler, GA 31322 Limited, Administrative $0
    Ameris Bank 6100 Stewart Parkway Douglasville, GA 30135 Full Service B&M $34,371
    Ameris Bank 6157 Fairburn Road Douglasville, GA 30134 Full Service B&M $91,383
    Ameris Bank 7000 Sw Archer Road Gainesville, FL 32608 Full Service B&M $49,610
    Ameris Bank 701 West Main Street Lexington, SC 29072 Full Service B&M $52,828
    Ameris Bank 735 West Second Street Tifton, GA 31794 Full Service B&M $158,434
    Ameris Bank 790 North Ponce De Leon Boulevard Saint Augustine, FL 32084 Full Service B&M $117,773
    Ameris Bank 8000 Nw 27th Boulevard Gainesville, FL 32606 Full Service B&M $19,707
    Ameris Bank 8048 Normandy Boulevard Jacksonville, FL 32221 Full Service B&M $102,570
    Ameris Bank 834 Savannah Highway Charleston, SC 29407 Full Service B&M $45,565
    Ameris Bank 854 Washington Street Gainesville, GA 30501 Full Service B&M $124,092
    Ameris Bank 901 Bowens Mill Road, Sw Douglas, GA 31533 Full Service B&M $72,466
    Ameris Bank 922 Joe Frank Harris Parkway Cartersville, GA 30120 Full Service B&M $36,760
    Ameris Bank 97 South Broad Street Butler, GA 31006 Full Service B&M $35,589
    Ameris Bank Highway 26 And Quail Street Melrose, FL 32666 Full Service B&M $42,592
    Ameris Bank Three Office Way Hilton Head, SC 29928 Full Service B&M $36,926

    For 2018, Ameris Bank had 129 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $413,195
    Net interest income $355,931
    Total noninterest income $106,283
    Gross Fiduciary activities income $1
    Service charges on deposit accounts $46,128
    Trading account gains and fees $0
    Additional Noninterest Income $60,154
    Pre-tax net operating income $170,803
    Securities gains (or losses, -) $-37
    Income before extraordinary items $134,561
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $134,561
    Minority interest net income $0
    Net income $134,561
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $134,590

    Ameris Bank's gross interest income from loans was $413,195,000.
    Ameris Bank's net interest income from loans was $355,931,000.
    Ameris Bank's fee based income from loans was $46,128,000.
    Ameris Bank's net income from loans was $134,561,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $57,264
    Provision for credit losses $17,527
    Total noninterest expense $273,884
    Salaries and employee benefits $141,144
    Premises and equipment expense $28,542
    Additional noninterest expense $104,198
    Applicable income taxes $36,205
    Net charge-offs $14,500
    Cash dividends $46,000

    Ameris Bank's interest expense for loans was $57,264,000.
    Ameris Bank's payroll and benefits expense were $141,144,000.
    Ameris Bank's property, plant and equipment expenses $28,542,000.

    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 1.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 3.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $9,656,289
    Deposits held in domestic offices $9,656,289
    Deposits by Individuals, partnerships, and corporations $8,505,477
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $1,146,811
    Deposits by Commercial banks and other depository institutions in U.S. $4,001
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $874,170
    Demand deposits $651,543
    Nontransaction accounts $8,782,119
    Money market deposit accounts (MMDAs) $2,684,210
    Other savings deposits (excluding MMDAs) $3,730,078
    Total time deposits $2,367,831
    Total time and savings deposits $9,004,746
    Noninterest-bearing deposits $2,526,993
    Interest-bearing deposits $7,129,297
    Retail deposits $8,508,769
    IRAs and Keogh plan accounts $276,639
    Brokered deposits $846,680
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $11,357,345
    Cash & Balances due from depository institutions $655,291
    Interest-bearing balances $483,135
    Total securities $1,192,865
    Federal funds sold & reverse repurchase $35,048
    Net loans and leases $8,594,393
    Loan and leases loss allowance $28,819
    Trading account assets $0
    Bank premises and fixed assets $145,410
    Other real estate owned $33,543
    Goodwill and other intangibles $487,795
    All other assets $213,000

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $11,357,345
    Total Liabilities $9,753,452
    Total deposits $9,656,289
    Interest-bearing deposits $7,129,297
    Deposits held in domestic offices $9,656,289
    % insured (estimated) $80
    Federal funds purchased and repurchase agreements $20,384
    Trading liabilities $0
    Other borrowed funds $7,848
    Subordinated debt $0
    All other liabilities $68,931

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $8,594,393
    Loan and leases loss allowance $28,819
    Total loans and leases (domestic) $8,623,212
    All real estate loans $6,090,685
    Real estate loans in domestic offices $6,090,685
    Construction and development loans $900,230
    Residential 1-4 family construction $337,293
    Other construction, all land development and other land $562,937
    Loans secured by nonfarm nonresidential properties $2,730,475
    Nonfarm nonresidential secured by owner-occupied properties $1,036,208
    Commercial real estate & other non-farm, non-residential $1,694,267
    Multifamily residential real estate $276,528
    1-4 family residential loans $2,035,619
    Farmland loans $147,833
    Loans held in foreign offices $0
    Farm loans $55,240
    Commercial and industrial loans $984,866
    To non-U.S. addressees $0
    Loans to individuals $482,559
    Credit card loans $0
    Related Plans $1,374
    Consumer Auto Loans $9,642
    Other loans to individuals $471,543
    All other loans & leases $1,009,861
    Loans to foreign governments and official institutions $0
    Other loans $372,347
    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 $25,249
    Non 1-4 family restructured loans & leases $10,488
    Total loans and leases (foreign) $0

    Ameris Bank had $8,594,393,000 of loans outstanding in 2018. $6,090,685,000 of loans were in real estate loans. $900,230,000 of loans were in development loans. $276,528,000 of loans were in multifamily mortgage loans. $2,035,619,000 of loans were in 1-4 family mortgage loans. $55,240,000 of loans were in farm loans. $0 of loans were in credit card loans. $9,642,000 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 3,192 $713,060 $223,390
    Nonfarm, nonresidential loans - <$100k 546 $18,894 $34,604
    Nonfarm, nonresidential loans - $100-250k 1,005 $113,913 $113,346
    Nonfarm, nonresidential loans - $250k-1MM 1,641 $580,253 $353,597
    Commercial & Industrial, US addressed loans - <$1MM 32,715 $555,700 $16,986
    Commercial & Industrial, US addressed loans - <$100k 29,973 $186,311 $6,216
    Commercial & Industrial, US addressed loans - $100-250k 1,558 $116,147 $74,549
    Commercial & Industrial, US addressed loans - $250k-1MM 1,184 $253,242 $213,887
    Farmland loans - <$1MM 520 $54,304 $104,431
    Farmland loans - <$100k 245 $9,733 $39,727
    Farmland loans - $100-250k 176 $20,053 $113,938
    Farmland loans - $250k-1MM 99 $24,518 $247,657
    Agriculture operations loans - <$1MM 751 $27,828 $37,055
    Agriculture operations loans - <$100k 597 $11,579 $19,395
    Agriculture operations loans - $100-250k 100 $7,641 $76,410
    Agriculture operations loans - $250k-1MM 54 $8,608 $159,407