Ameris Bank Mortgage Rates, Fees & Info

Atlanta, GA

LEI: IUGPUX5LWRZ3B6KIZ697

Tax ID: 58-1111076

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Mortgage Data

Bank Data

Review & Overview

Ameris Bank is a mid-sized 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, Charleston, Washington, Jacksonville, and Columbia among others. We have data for 230 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 3/28/24
30 Year Conventional Purchase 6.62% 3/28/24
30 Year Conventional Refi 6.52% 3/28/24
30 Year Cash-out Refi 6.74% 3/28/24
30 Year FHA Purchase 7.27% 3/28/24
30 Year FHA Refi 7.09% 3/28/24
30 Year VA Purchase 6.19% 3/28/24
30 Year VA Refi 6.12% 3/28/24
30 Year USDA Purchase 6.72% 3/28/24
30 Year USDA Refi 6.27% 3/28/24
15 Year Conventional Purchase 6.10% 3/28/24
15 Year Conventional Refi 6.07% 3/28/24
15 Year Cash-out Refi 6.07% 3/28/24
15 Year FHA Purchase 6.94% 3/28/24
15 Year FHA Refi 6.33% 3/28/24
15 Year VA Purchase 5.61% 3/28/24
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

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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

16,091

Origination Dollar Volume (All Markets)

$4,339,035,000

Employee count

2,722 Show all (92) 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) 4,689 $1,351,015,000 $288,124 $5,252 3.87%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 806 $238,660,000 $296,104 $4,299 4.11%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 617 $227,645,000 $368,955 $5,787 3.70%
JACKSONVILLE, FL (FHA|USDA|VA) 719 $203,995,000 $283,720 $5,257 4.26%
COLUMBIA, SC (FHA|USDA|VA) 841 $188,705,000 $224,382 $4,344 4.06%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 496 $147,960,000 $298,306 $4,309 4.10%
SAVANNAH, GA (FHA|USDA|VA) 363 $95,885,000 $264,146 $5,115 4.02%
GAINESVILLE, FL (FHA|USDA|VA) 401 $94,775,000 $236,347 $4,449 4.06%
URBAN HONOLULU, HI (FHA|USDA|VA) 156 $94,090,000 $603,141 $8,834 3.37%
Outside of Metro Areas 427 $92,485,000 $216,593 $4,539 4.27%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 347 $79,215,000 $228,285 $3,860 4.12%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 327 $70,495,000 $215,581 $5,393 4.07%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 225 $67,835,000 $301,489 $4,342 4.05%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 259 $66,475,000 $256,660 $5,015 4.23%
WARNER ROBINS, GA (FHA|USDA|VA) 323 $64,275,000 $198,994 $5,020 3.84%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 215 $63,545,000 $295,558 $4,893 3.73%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 184 $56,650,000 $307,880 $5,686 3.72%
TALLAHASSEE, FL (FHA|USDA|VA) 202 $53,590,000 $265,297 $4,111 4.31%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 193 $43,065,000 $223,135 $3,853 4.11%
RALEIGH-CARY, NC (FHA|USDA|VA) 172 $42,760,000 $248,605 $5,212 3.73%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 146 $42,260,000 $289,452 $4,660 3.93%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 139 $39,675,000 $285,432 $4,923 3.59%
GAINESVILLE, GA (FHA|USDA|VA) 145 $39,405,000 $271,759 $5,555 3.94%
OCALA, FL (FHA|USDA|VA) 243 $34,875,000 $143,519 $4,108 4.21%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 47 $32,515,000 $691,809 $10,658 3.90%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 30 $30,740,000 $1,024,667 $5,579 4.04%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 82 $29,390,000 $358,415 $5,178 3.68%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 116 $28,800,000 $248,276 $5,345 4.18%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 65 $28,775,000 $442,692 $8,245 3.62%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 108 $27,200,000 $251,852 $4,365 4.25%
SPARTANBURG, SC (FHA|USDA|VA) 143 $26,985,000 $188,706 $4,558 4.03%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 93 $26,385,000 $283,710 $4,530 3.85%
RICHMOND, VA (FHA|USDA|VA) 94 $25,580,000 $272,128 $3,845 3.75%
VALDOSTA, GA (FHA|USDA|VA) 148 $24,420,000 $165,000 $4,634 4.29%
Jefferson, GA (FHA|USDA|VA) 86 $21,260,000 $247,209 $5,539 3.93%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 65 $20,105,000 $309,308 $5,092 4.51%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 127 $19,845,000 $156,260 $4,964 3.82%
HINESVILLE, GA (FHA|USDA|VA) 120 $19,030,000 $158,583 $5,219 3.93%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 48 $18,230,000 $379,792 $6,194 4.32%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 57 $17,865,000 $313,421 $5,121 4.34%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 93 $15,835,000 $170,269 $5,495 4.28%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 27 $15,385,000 $569,815 $4,759 3.67%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 43 $15,255,000 $354,767 $4,593 3.85%
FLORENCE, SC (FHA|USDA|VA) 9 $15,165,000 $1,685,000 $5,665 4.41%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 68 $14,490,000 $213,088 $4,189 4.16%
BRUNSWICK, GA (FHA|USDA|VA) 55 $14,235,000 $258,818 $4,832 4.46%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 42 $13,440,000 $320,000 $4,506 3.81%
DOTHAN, AL (FHA|USDA|VA) 91 $12,365,000 $135,879 $3,923 4.71%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 51 $11,845,000 $232,255 $4,281 3.68%
ALBANY, GA (FHA|USDA|VA) 84 $11,730,000 $139,643 $3,628 4.64%
THE VILLAGES, FL (FHA|USDA|VA) 45 $10,995,000 $244,333 $4,553 4.01%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 57 $9,625,000 $168,860 $3,749 4.16%
PANAMA CITY, FL (FHA|USDA|VA) 48 $9,590,000 $199,792 $4,664 4.69%
Moultrie, GA (FHA|USDA|VA) 60 $9,020,000 $150,333 $3,802 4.62%
WINSTON-SALEM, NC (FHA|USDA|VA) 57 $9,015,000 $158,158 $4,747 4.23%
Calhoun, GA (FHA|USDA|VA) 45 $8,255,000 $183,444 $5,861 3.81%
ASHEVILLE, NC (FHA|USDA|VA) 28 $6,810,000 $243,214 $4,801 4.02%
SUMTER, SC (FHA|USDA|VA) 33 $6,745,000 $204,394 $5,572 4.07%
ROME, GA (FHA|USDA|VA) 41 $6,185,000 $150,854 $5,249 4.44%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 21 $6,085,000 $289,762 $3,030 4.11%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 11 $5,135,000 $466,818 $5,736 3.99%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 15 $4,905,000 $327,000 $4,537 3.83%
Milledgeville, GA (FHA|USDA|VA) 18 $4,610,000 $256,111 $4,883 3.73%
LaGrange, GA-AL (FHA|USDA|VA) 51 $4,595,000 $90,098 $3,257 4.17%
Tifton, GA (FHA|USDA|VA) 37 $4,575,000 $123,649 $5,114 4.83%
Cullowhee, NC (FHA|USDA|VA) 8 $4,560,000 $570,000 $5,281 3.95%
Georgetown, SC (FHA|USDA|VA) 14 $4,460,000 $318,571 $3,812 3.97%
KNOXVILLE, TN (FHA|USDA|VA) 17 $4,405,000 $259,118 $5,070 4.10%
Talladega-Sylacauga, AL (FHA|USDA|VA) 25 $4,335,000 $173,400 $4,988 3.77%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 18 $4,320,000 $240,000 $4,461 3.52%
St. Marys, GA (FHA|USDA|VA) 22 $4,260,000 $193,636 $3,824 4.18%
Cullman, AL (FHA|USDA|VA) 21 $4,145,000 $197,381 $4,532 3.89%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 7 $4,075,000 $582,143 $9,055 3.39%
SALISBURY, MD-DE (FHA|USDA|VA) 18 $4,010,000 $222,778 $5,391 3.74%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 12 $3,870,000 $322,500 $4,628 3.76%
BURLINGTON, NC (FHA|USDA|VA) 24 $3,730,000 $155,417 $5,344 4.03%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 17 $3,605,000 $212,059 $5,393 4.25%
Cedartown, GA (FHA|USDA|VA) 21 $3,495,000 $166,429 $5,113 3.83%
Palatka, FL (FHA|USDA|VA) 21 $3,475,000 $165,476 $4,163 4.33%
Seneca, SC (FHA|USDA|VA) 15 $3,445,000 $229,667 $4,830 4.05%
Greenwood, SC (FHA|USDA|VA) 10 $3,370,000 $337,000 $4,020 3.86%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 20 $3,220,000 $161,000 $4,466 3.76%
Boone, NC (FHA|USDA|VA) 10 $2,990,000 $299,000 $3,010 4.07%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 15 $2,945,000 $196,333 $5,021 4.09%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 6 $2,930,000 $488,333 $2,715 3.73%
MONTGOMERY, AL (FHA|USDA|VA) 15 $2,905,000 $193,667 $4,480 3.97%
Douglas, GA (FHA|USDA|VA) 21 $2,865,000 $136,429 $3,969 4.76%
Lake City, FL (FHA|USDA|VA) 15 $2,845,000 $189,667 $5,149 4.09%
PUNTA GORDA, FL (FHA|USDA|VA) 13 $2,815,000 $216,538 $5,146 3.93%
Cordele, GA (FHA|USDA|VA) 15 $2,675,000 $178,333 $4,061 4.33%
Toccoa, GA (FHA|USDA|VA) 8 $2,640,000 $330,000 $4,591 4.33%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 7 $2,525,000 $360,714 $5,767 4.25%
STAUNTON, VA (FHA|USDA|VA) 11 $2,405,000 $218,636 $2,979 3.85%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 10 $2,280,000 $228,000 $3,371 3.80%
GADSDEN, AL (FHA|USDA|VA) 11 $2,215,000 $201,364 $6,109 3.80%
Hilo, HI (FHA|USDA|VA) 6 $2,210,000 $368,333 $4,570 3.17%
COLUMBUS, GA-AL (FHA|USDA|VA) 18 $2,160,000 $120,000 $4,178 4.88%
DALTON, GA (FHA|USDA|VA) 11 $2,045,000 $185,909 $4,402 4.20%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $2,035,000 $678,333 $4,863 4.04%
Kill Devil Hills, NC (FHA|USDA|VA) 5 $2,005,000 $401,000 $4,163 3.68%
HUNTSVILLE, AL (FHA|USDA|VA) 6 $1,940,000 $323,333 $7,254 4.04%
PORT ST. LUCIE, FL (FHA|USDA|VA) 5 $1,805,000 $361,000 $6,401 4.05%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $1,785,000 $595,000 $7,588 4.71%
WINCHESTER, VA-WV (FHA|USDA|VA) 6 $1,780,000 $296,667 $4,507 3.88%
FAYETTEVILLE, NC (FHA|USDA|VA) 10 $1,760,000 $176,000 $4,583 3.96%
Thomasville, GA (FHA|USDA|VA) 17 $1,745,000 $102,647 $3,579 5.34%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 9 $1,705,000 $189,444 $3,355 4.29%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $1,690,000 $422,500 $5,188 4.13%
Waycross, GA (FHA|USDA|VA) 17 $1,645,000 $96,765 $3,670 4.33%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $1,645,000 $548,333 $9,968 4.25%
Newberry, SC (FHA|USDA|VA) 6 $1,550,000 $258,333 $3,674 3.71%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,540,000 $256,667 $4,537 3.90%
ROANOKE, VA (FHA|USDA|VA) 6 $1,530,000 $255,000 $3,705 3.85%
Cornelia, GA (FHA|USDA|VA) 6 $1,460,000 $243,333 $4,525 3.81%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 9 $1,435,000 $159,444 $4,884 4.10%
Eufaula, AL-GA (FHA|USDA|VA) 11 $1,425,000 $129,545 $3,871 4.87%
Statesboro, GA (FHA|USDA|VA) 9 $1,405,000 $156,111 $3,605 3.71%
WILMINGTON, NC (FHA|USDA|VA) 4 $1,340,000 $335,000 $5,043 4.31%
FAIRBANKS, AK (FHA|USDA|VA) 5 $1,325,000 $265,000 $9,288 3.68%
Vidalia, GA (FHA|USDA|VA) 13 $1,325,000 $101,923 $3,517 5.26%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 3 $1,295,000 $431,667 $4,543 4.13%
SALT LAKE CITY, UT (FHA|USDA|VA) 3 $1,285,000 $428,333 $5,629 3.63%
Americus, GA (FHA|USDA|VA) 19 $1,285,000 $67,632 $1,561 4.85%
PITTSBURGH, PA (FHA|USDA|VA) 3 $1,145,000 $381,667 $6,208 3.92%
MORRISTOWN, TN (FHA|USDA|VA) 6 $1,120,000 $186,667 $4,560 4.77%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4 $1,090,000 $272,500 $5,596 5.06%
Alexander City, AL (FHA|USDA|VA) 4 $1,070,000 $267,500 $4,345 4.06%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 4 $1,060,000 $265,000 $5,585 4.06%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $1,020,000 $510,000 $3,985 3.88%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $1,010,000 $252,500 $5,566 3.84%
Sevierville, TN (FHA|USDA|VA) 4 $1,000,000 $250,000 $4,587 4.88%
TUSCALOOSA, AL (FHA|USDA|VA) 5 $955,000 $191,000 $3,339 3.88%
Ozark, AL (FHA|USDA|VA) 8 $950,000 $118,750 $4,024 4.13%
LOUISVILLE, KY (FHA|USDA|VA) 3 $945,000 $315,000 $7,456 3.67%
Dublin, GA (FHA|USDA|VA) 4 $860,000 $215,000 $4,921 4.16%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $830,000 $207,500 $6,119 4.31%
Sanford, NC (FHA|USDA|VA) 3 $805,000 $268,333 $5,172 3.79%
Morehead City, NC (FHA|USDA|VA) 2 $800,000 $400,000 $4,049 3.69%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 6 $790,000 $131,667 $2,905 4.69%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 5 $785,000 $157,000 $3,156 4.78%
Mountain Home, AR (FHA|USDA|VA) 1 $775,000 $775,000 $5,068 4.00%
North Wilkesboro, NC (FHA|USDA|VA) 2 $750,000 $375,000 $3,413 3.75%
FRESNO, CA (FHA|USDA|VA) 2 $730,000 $365,000 $2,839 4.37%
Thomaston, GA (FHA|USDA|VA) 5 $715,000 $143,000 $3,343 3.05%
BEND, OR (FHA|USDA|VA) 2 $710,000 $355,000 $5,203 3.88%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $705,000 $705,000 $2,798 4.25%
Enterprise, AL (FHA|USDA|VA) 5 $695,000 $139,000 $5,897 4.70%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $670,000 $167,500 $3,580 3.75%
Shelbyville, TN (FHA|USDA|VA) 4 $660,000 $165,000 $4,772 4.47%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $660,000 $165,000 $5,012 3.47%
Albemarle, NC (FHA|USDA|VA) 3 $655,000 $218,333 $2,912 3.92%
Orangeburg, SC (FHA|USDA|VA) 5 $645,000 $129,000 $3,414 3.17%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $630,000 $315,000 $2,765 3.81%
Heber, UT (FHA|USDA|VA) 1 $625,000 $625,000 $10,810 5.38%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $605,000 $605,000 $7,261 3.25%
TOLEDO, OH (FHA|USDA|VA) 4 $570,000 $142,500 $2,962 4.44%
NILES, MI (FHA|USDA|VA) 2 $550,000 $275,000 $3,079 3.88%
Marion, NC (FHA|USDA|VA) 1 $535,000 $535,000 $6,354 4.75%
Kapaa, HI (FHA|USDA|VA) 1 $525,000 $525,000 $7,141 2.88%
MOBILE, AL (FHA|USDA|VA) 3 $515,000 $171,667 $3,124 4.13%
Jasper, AL (FHA|USDA|VA) 3 $515,000 $171,667 $5,696 4.33%
Cambridge, MD (FHA|USDA|VA) 1 $515,000 $515,000 $5,498 3.99%
Albertville, AL (FHA|USDA|VA) 2 $510,000 $255,000 $3,006 3.81%
Forest City, NC (FHA|USDA|VA) 5 $495,000 $99,000 $3,429 4.12%
Fitzgerald, GA (FHA|USDA|VA) 4 $480,000 $120,000 $4,627 5.62%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $460,000 $230,000 $4,075 3.37%
Tiffin, OH (FHA|USDA|VA) 3 $455,000 $151,667 $2,830 4.25%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $455,000 $455,000 $4,120 4.00%
Findlay, OH (FHA|USDA|VA) 3 $455,000 $151,667 $2,592 4.16%
VALLEJO, CA (FHA|USDA|VA) 1 $455,000 $455,000 $4,607 3.50%
Bainbridge, GA (FHA|USDA|VA) 3 $445,000 $148,333 $2,155 4.67%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $435,000 $435,000 $4,304 3.75%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $425,000 $425,000 $11,368 4.00%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $425,000 $141,667 $3,425 4.13%
Lawrenceburg, TN (FHA|USDA|VA) 3 $425,000 $141,667 $3,678 4.17%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $380,000 $190,000 $2,604 4.18%
Brevard, NC (FHA|USDA|VA) 1 $375,000 $375,000 $3,982 3.75%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $370,000 $185,000 $3,362 4.38%
Jesup, GA (FHA|USDA|VA) 2 $370,000 $185,000 $5,201 3.69%
COLUMBUS, OH (FHA|USDA|VA) 2 $360,000 $180,000 $3,009 3.68%
ANN ARBOR, MI (FHA|USDA|VA) 1 $355,000 $355,000 $12,087 3.13%
Lewisburg, TN (FHA|USDA|VA) 2 $340,000 $170,000 $4,366 4.19%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $335,000 $335,000 $2,871 3.50%
LYNCHBURG, VA (FHA|USDA|VA) 2 $330,000 $165,000 $2,983 4.69%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $330,000 $165,000 $6,648 4.38%
READING, PA (FHA|USDA|VA) 1 $325,000 $325,000 $15,600 3.13%
Key West, FL (FHA|USDA|VA) 1 $325,000 $325,000 $4,356 3.75%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $315,000 $315,000 $2,305 3.49%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $315,000 $315,000 $2,740 3.75%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $315,000 $315,000 $4,770 3.99%
GOLDSBORO, NC (FHA|USDA|VA) 2 $310,000 $155,000 $4,587 1.63%
Norwalk, OH (FHA|USDA|VA) 3 $305,000 $101,667 $3,636 3.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $285,000 $285,000 $4,186 3.63%
LAWRENCE, KS (FHA|USDA|VA) 1 $285,000 $285,000 $5,569 6.38%
GREENVILLE, NC (FHA|USDA|VA) 2 $280,000 $140,000 $4,939 4.19%
CHARLESTON, WV (FHA|USDA|VA) 1 $275,000 $275,000 $6,161 3.49%
REDDING, CA (FHA|USDA|VA) 1 $265,000 $265,000 $2,860 3.13%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $255,000 $255,000 $3,221 3.88%
STOCKTON, CA (FHA|USDA|VA) 1 $245,000 $245,000 $2,791 3.75%
Grand Rapids, MN (FHA|USDA|VA) 1 $235,000 $235,000 $2,705 3.99%
GETTYSBURG, PA (FHA|USDA|VA) 1 $235,000 $235,000 $4,159 3.38%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $215,000 $215,000 $6,982 3.63%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $215,000 $215,000 $7,001 3.25%
Starkville, MS (FHA|USDA|VA) 2 $210,000 $105,000 $2,842 4.63%
Sandusky, OH (FHA|USDA|VA) 1 $205,000 $205,000 $3,100 4.00%
FLINT, MI (FHA|USDA|VA) 1 $205,000 $205,000 $2,597 4.00%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $195,000 $195,000 $1,645 3.38%
Dayton, TN (FHA|USDA|VA) 1 $195,000 $195,000 $7,478 3.88%
Cookeville, TN (FHA|USDA|VA) 1 $195,000 $195,000 $3,327 4.88%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.13%
HATTIESBURG, MS (FHA|USDA|VA) 1 $175,000 $175,000 $3,126 3.99%
KANKAKEE, IL (FHA|USDA|VA) 1 $165,000 $165,000 $8,473 3.50%
Zanesville, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,465 3.75%
Scottsboro, AL (FHA|USDA|VA) 1 $165,000 $165,000 $2,941 3.75%
Fremont, OH (FHA|USDA|VA) 1 $155,000 $155,000 $2,499 4.00%
Sault Ste. Marie, MI (FHA|USDA|VA) 1 $155,000 $155,000 $4,732 3.88%
McMinnville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $2,376 4.25%
JACKSON, TN (FHA|USDA|VA) 1 $155,000 $155,000 $3,279 4.38%
Okeechobee, FL (FHA|USDA|VA) 1 $145,000 $145,000 $2,897 4.63%
HARRISONBURG, VA (FHA|USDA|VA) 1 $145,000 $145,000 $2,446 3.63%
Clarksburg, WV (FHA|USDA|VA) 1 $145,000 $145,000 $8,057 2.88%
AKRON, OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,683 4.38%
Union City, TN (FHA|USDA|VA) 1 $125,000 $125,000 $4,192 3.63%
ODESSA, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.75%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.75%
BECKLEY, WV (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.88%
Wauchula, FL (FHA|USDA|VA) 1 $105,000 $105,000 $4,430 4.13%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $95,000 $95,000 $4,628 3.38%
Troy, AL (FHA|USDA|VA) 1 $85,000 $85,000 $2,301 4.25%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $75,000 $75,000 $2,724 3.99%
Ameris Bank's top markets include Atlanta, Charleston, Washington, Jacksonville, and Columbia among others.

Their top states include:
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 11,043 $3,112,315,000 $281,836 $4,103 4.10%
    FHA 2,824 $581,900,000 $206,055 $6,921 3.87%
    VA 1,893 $591,705,000 $312,575 $6,527 3.68%
    USDA 324 $52,280,000 $161,358 $4,856 3.81%
    HELOC 7 $835,000 $119,286 n/a 3.96%

    For 2019, Ameris Bank's most frequently originated type of loan was Conventional, with 11,043 originations. Their 2nd most popular type was FHA, with 2,824 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 11,683 $2,955,575,000 $252,981 $5,158 4.02%
    Refi 2,859 $947,665,000 $331,467 $4,118 3.83%
    Cash Out Refi 1,471 $392,665,000 $266,937 $4,896 4.13%
    Home Improvement 74 $42,940,000 $580,270 $4,587 4.75%
    Other 4 $190,000 $47,500 $1,609 8.44%

    For 2019, Ameris Bank's most frequently cited loan purpose was Home Purchase, with 11,683 originations. The 2nd most popular reason was Refi, with 2,859 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 14,433 $3,911,485,000 $271,010 $5,082 3.99%
    15 Year 900 $200,690,000 $222,989 $3,570 3.75%
    20 Year 229 $56,235,000 $245,568 $3,339 3.82%
    5 Year 153 $67,485,000 $441,078 $255 5.38%
    Other 144 $35,890,000 $249,236 $3,352 5.33%
    10 Year 141 $24,835,000 $176,135 $1,385 3.87%
    30+ year 72 $39,880,000 $553,889 $7,787 4.05%
    1 Year 13 $2,115,000 $162,692 $0 6.14%
    3 Year 6 $420,000 $70,000 $1,163 6.33%

    For 2019, Ameris Bank's most frequently cited loan duration was 30 Year, with 14,433 originations. The 2nd most popular length was 15 Year, with 900 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 8,790 $2,301,980,000 $261,886
    $<1k 3,370 $876,440,000 $260,071
    $2k-3k 1,359 $321,775,000 $236,773
    $3k-4k 793 $230,775,000 $291,015
    $5k+ 473 $253,115,000 $535,127
    $4k-5k 366 $127,010,000 $347,022

    Ameris Bank's average total fees were $5,082, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 8,790 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 9,964 $2,852,700,000 $286,301
    4-5% 4,433 $1,116,515,000 $251,864
    5-6% 982 $206,920,000 $210,713
    <2.5% 226 $55,030,000 $243,496
    6-7% 198 $40,820,000 $206,162
    2.5-3% 167 $56,575,000 $338,772
    7-8% 64 $9,080,000 $141,875
    Over 8% 28 $990,000 $35,357

    During 2019, Ameris Bank's average interest rate for loans was 3.99%, while their most frequently originated rate bucket for loans was 3-4%, with 9,964 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 7,506 $2,107,540,000 $280,781 $5,095 3.89%
    $100k-200k 4,942 $763,210,000 $154,433 $4,382 4.11%
    $400k-600k 1,902 $887,510,000 $466,619 $5,771 3.86%
    $100,000 or less 1,206 $77,790,000 $64,502 $2,622 4.57%
    $600k-1MM 430 $309,790,000 $720,442 $8,208 3.81%
    $1MM+ 105 $193,195,000 $1,839,952 $12,919 4.11%

    2019 saw Ameris Bank place emphasis on $200k-400k loans with 7,506 originations, totaling $2,107,540,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 3,747 $766,035,000 $204,440 $4,928 4.00%
    $100k-150k 3,316 $992,250,000 $299,231 $5,015 3.98%
    $75k-100k 2,745 $685,915,000 $249,878 $5,005 3.97%
    $50k or less 2,649 $375,635,000 $141,803 $4,309 4.06%
    $150k-250k 2,234 $817,100,000 $365,756 $5,145 3.99%
    $250k+ 883 $450,055,000 $509,689 $6,348 4.07%

    Ameris Bank lent most frequently to those with incomes in the $50k-75k range, with 3,747 originations. The second most popular income band? $100k-150k, with 3,316 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 3,034 $818,210,000 $269,680 $4,471 3.95%
    30-36% 2,867 $757,635,000 $264,261 $4,751 4.00%
    <20% 1,150 $316,100,000 $274,870 $4,188 3.92%
    50-60% 1,019 $255,355,000 $250,594 $7,022 3.84%
    44% 658 $164,150,000 $249,468 $4,818 4.07%
    42% 644 $181,160,000 $281,304 $5,127 4.08%
    40% 608 $163,760,000 $269,342 $4,941 4.01%
    41% 606 $160,880,000 $265,479 $5,032 4.05%
    39% 597 $162,055,000 $271,449 $4,948 3.96%
    38% 593 $158,345,000 $267,024 $5,075 4.08%
    43% 569 $143,835,000 $252,786 $4,800 4.01%
    37% 528 $142,210,000 $269,337 $4,933 4.02%
    36% 490 $129,320,000 $263,918 $4,945 4.07%
    45% 479 $119,775,000 $250,052 $5,063 4.04%
    49% 449 $110,995,000 $247,205 $5,145 3.99%
    48% 448 $113,780,000 $253,973 $5,204 4.06%
    46% 424 $107,330,000 $253,137 $5,357 3.97%
    47% 413 $108,725,000 $263,257 $5,227 3.97%
    >60% 75 $27,065,000 $360,867 $5,994 3.94%

    Ameris Bank lent most frequently to those with DTI ratios of 20-30%, with 3,034 originations. The next most common DTI ratio? 30-36%, with 2,867 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 11,277 $2,961,735,000 $262,635 $4,803 4.02%
    Not provided 2,161 $629,125,000 $291,127 $5,056 3.90%
    Black 1,799 $423,915,000 $235,639 $5,501 3.97%
    Asian 597 $185,625,000 $310,930 $5,403 3.92%
    Not applicable 127 $99,625,000 $784,449 $0 5.39%
    American Indian 51 $13,595,000 $266,569 $5,715 3.84%
    Native Hawaiian or Islander 26 $9,680,000 $372,308 $7,393 3.74%
    Asian Indian 27 $8,485,000 $314,259 $5,585 4.53%
    Other Asian 14 $3,730,000 $266,429 $5,082 4.03%
    Filipino 5 $1,825,000 $365,000 $6,107 4.02%
    Other Pacific Islander 4 $1,270,000 $317,500 $3,542 4.44%
    Chinese 1 $195,000 $195,000 $0 4.25%
    Korean 1 $125,000 $125,000 $3,020 4.63%
    Vietnamese 1 $105,000 $105,000 $6,086 7.13%

    Approval Rates

    Total approvals of all applications
    92.13%

    Ameris Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.19%

    Ameris Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    255.5 1 $65,000 $65,000
    4680.0 1 $285,000 $285,000
    NA 16,089 $4,338,685,000 $269,668

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $405,000 $135,000
    Multifamily:Site-Built 26 $64,470,000 $2,479,615
    Single Family (1-4 Units):Manufactured 179 $18,215,000 $101,760
    Single Family (1-4 Units):Site-Built 15,883 $4,255,945,000 $267,956

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 375 $61,495,000 $163,987 $3,228 4.27%
    40-60% 1,160 $290,130,000 $250,112 $3,769 3.95%
    60-80% 4,293 $1,296,315,000 $301,960 $4,273 4.11%
    80-100% 9,558 $2,528,500,000 $264,543 $5,221 3.97%
    Over 100% 484 $148,260,000 $306,322 $10,092 3.79%
    Under 20% 212 $11,760,000 $55,472 $1,235 3.29%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    AMERIS BANCORP VA mortgage Trouble during payment process 1 7.1%
    AMERIS BANCORP Conventional home mortgage Closing on a mortgage 1 7.1%
    AMERIS BANCORP Conventional home mortgage Struggling to pay mortgage 1 7.1%
    AMERIS BANCORP Conventional home mortgage Trouble during payment process 5 35.7%
    AMERIS BANCORP Other type of mortgage Struggling to pay mortgage 1 7.1%
    AMERIS BANCORP Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 14.3%
    AMERIS BANCORP FHA mortgage Trouble during payment process 1 7.1%
    AMERIS BANCORP Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 14.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Ameris Bank 182 West Liberty Street Lyons, GA 30436 Full Service B&M $68,078
    Ameris Bank 100 Commercial Circle Keystone Heights, FL 32656 Full Service B&M $29,972
    Ameris Bank 100 N Hgwy 19 Palatka, FL 32177 Full Service B&M $34,693
    Ameris Bank 100 South Pearl Avenue Douglas, GA 31533 Full Service B&M $68,970
    Ameris Bank 100 Southpark Blvd Saint Augustine, FL 32086 Full Service B&M $44,290
    Ameris Bank 1000 West Screven Street Quitman, GA 31643 Full Service B&M $51,508
    Ameris Bank 101 West Hendry Street Hinesville, GA 31313 Full Service B&M $180,683
    Ameris Bank 10425 Ford Ave Richmond Hill, GA 31324 Full Service B&M $79,798
    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 $54,829
    Ameris Bank 11100 San Jose Boulevard Jacksonville, FL 32223 Full Service B&M $146,043
    Ameris Bank 114 John Frank Ward Boulevard Mcdonough, GA 30253 Full Service B&M $76,532
    Ameris Bank 114 West 6th Avenue Buena Vista, GA 31803 Full Service B&M $36,516
    Ameris Bank 1140 S Eufaula Avenue Eufaula, AL 36027 Full Service B&M $34,962
    Ameris Bank 11790 Panama City Beach Parkway Panama City Beach, FL 32407 Full Service B&M $72,086
    Ameris Bank 1180 Peachtree St Ne Ste 2610 Atlanta, GA 30309 Full Service B&M $203,410
    Ameris Bank 1200 Lake Murray Boulevard Irmo, SC 29063 Full Service B&M $69,065
    Ameris Bank 1259 West Granada Boulevard Ormond Beach, FL 32174 Full Service B&M $186,051
    Ameris Bank 127 1st St E Tifton, GA 31794 Full Service B&M $163,028
    Ameris Bank 1275 Riverstone Parkway Canton, GA 30114 Full Service B&M $65,952
    Ameris Bank 1298 Concord Rd Se Smyrna, GA 30080 Full Service B&M $18,021
    Ameris Bank 1301 Riverplace Boulevard Jacksonville, FL 32207 Full Service B&M $148,215
    Ameris Bank 1315 S 3rd St Jacksonville Beach, FL 32250 Full Service B&M $113,289
    Ameris Bank 1333 Main Street, Suite 100 & 200 Columbia, SC 29201 Full Service B&M $262,914
    Ameris Bank 137 West Broad Avenue Doerun, GA 31744 Full Service B&M $25,632
    Ameris Bank 138 S Highway 90 East Defuniak Springs, FL 32433 Full Service B&M $41,815
    Ameris Bank 140 Towne Center Boulevard Pooler, GA 31322 Full Service B&M $104,971
    Ameris Bank 14288 Beach Boulevard Ste. 100 Jacksonville, FL 32224 Full Service B&M $87,033
    Ameris Bank 14977 Us Hwy 19 S Thomasville, GA 31792 Full Service B&M $93,888
    Ameris Bank 150 S. Monroe St Ste 100 & 200 Tallahassee, FL 32301 Full Service B&M $121,990
    Ameris Bank 159 Woodstock Square Ave Woodstock, GA 30188 Full Service B&M $35,361
    Ameris Bank 1596 Washington Street Jefferson, GA 30549 Full Service B&M $29,234
    Ameris Bank 1614 Woodruff Rd Greenville, SC 29607 Full Service B&M $103,061
    Ameris Bank 162 East Crawford Street Colquitt, GA 39837 Full Service B&M $41,432
    Ameris Bank 16763 Southeast Pear Street Blountstown, FL 32424 Full Service B&M $63,897
    Ameris Bank 1705 East First Street Vidalia, GA 30474 Full Service B&M $159,942
    Ameris Bank 1707 First Avenue, S.E. Moultrie, GA 31768 Full Service B&M $39,453
    Ameris Bank 1708 Old Trolley Road, Suite C Summerville, SC 29485 Full Service B&M $20,685
    Ameris Bank 1775 Eagle Harbor Parkway Fleming Island, FL 32003 Full Service B&M $92,734
    Ameris Bank 181 Cypress Point Parkway Palm Coast, FL 32164 Full Service B&M $83,820
    Ameris Bank 1810 Hudson Bridge Road Stockbridge, GA 30281 Full Service B&M $49,789
    Ameris Bank 1907 Sr 211 Hoschton, GA 30548 Full Service B&M $102,208
    Ameris Bank 1908 Highway 81 East Mcdonough, GA 30252 Full Service B&M $31,661
    Ameris Bank 1911 Old Ocilla Road Tifton, GA 31794 Full Service B&M $37,761
    Ameris Bank 201 Ohio Avenue South Live Oak, FL 32064 Full Service B&M $74,060
    Ameris Bank 201 South Broad Street Cairo, GA 39828 Full Service B&M $98,583
    Ameris Bank 204 Kirkland Street Abbeville, AL 36310 Full Service B&M $25,875
    Ameris Bank 2060 A1a S Saint Augustine, FL 32080 Full Service B&M $75,729
    Ameris Bank 208 East Green Street Monticello, GA 31064 Full Service B&M $78,915
    Ameris Bank 210 South Oak Street Jackson, GA 30233 Full Service B&M $114,054
    Ameris Bank 2101 Veterans Boulevard Dublin, GA 31021 Full Service B&M $41,276
    Ameris Bank 2110 Memorial Dr Waycross, GA 31501 Full Service B&M $61,881
    Ameris Bank 2200 E Main St Dothan, AL 36301 Full Service B&M $47,521
    Ameris Bank 2318 Highway 155 Mcdonough, GA 30252 Full Service B&M $56,358
    Ameris Bank 2348 Boundary Street Beaufort, SC 29902 Full Service B&M $119,683
    Ameris Bank 2357 Sthy 90 West Lake City, FL 32055 Full Service B&M $63,541
    Ameris Bank 2509 Osborne Rd Saint Marys, GA 31558 Full Service B&M $110,111
    Ameris Bank 2513 South Main Street Moultrie, GA 31768 Full Service B&M $18,254
    Ameris Bank 26 Drayton Street Savannah, GA 31401 Full Service B&M $136,418
    Ameris Bank 2601 Se Maricamp Road Ocala, FL 34471 Full Service B&M $55,501
    Ameris Bank 2606 South Highway 77 Lynn Haven, FL 32444 Full Service B&M $60,533
    Ameris Bank 2627 Dawson Road Albany, GA 31707 Full Service B&M $271,715
    Ameris Bank 2628 Crawfordville Highway Crawfordville, FL 32327 Full Service B&M $60,452
    Ameris Bank 2766 Race Track Rd Julington Creek, FL 32259 Full Service B&M $32,875
    Ameris Bank 285 South Broad Street Ellaville, GA 31806 Full Service B&M $49,942
    Ameris Bank 295 Fairview Road Ellenwood, GA 30294 Full Service B&M $59,633
    Ameris Bank 300 South Irwin Avenue Ocilla, GA 31774 Full Service B&M $60,828
    Ameris Bank 300 South Main Street Moultrie, GA 31768 Full Service B&M $632,214
    Ameris Bank 301 East Church Street Cartersville, GA 30120 Full Service B&M $120,490
    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 $71,319
    Ameris Bank 31 Main St Unit 101 Jekyll Island, GA 31527 Full Service B&M $32,932
    Ameris Bank 3140 Inner Perimeter Road Valdosta, GA 31602 Full Service B&M $134,366
    Ameris Bank 325 North Main Street High Springs, FL 32643 Full Service B&M $64,349
    Ameris Bank 3299 Ross Clark Circle Dothan, AL 36303 Full Service B&M $76,625
    Ameris Bank 3361 North Main Street Gainesville, FL 32602 Full Service B&M $66,311
    Ameris Bank 3411 Ernest Barrett Pkwy Marietta, GA 30064 Full Service B&M $50,431
    Ameris Bank 3440 Cypress Mill Road Brunswick, GA 31520 Full Service B&M $149,111
    Ameris Bank 349 Coleman Blvd Mount Pleasant, SC 29464 Full Service B&M $65,788
    Ameris Bank 3491 Skyview Drive Lithia Springs, GA 30122 Full Service B&M $23,212
    Ameris Bank 355 Sw Bentley Pl Lake City, FL 32025 Full Service B&M $53,943
    Ameris Bank 3595 Marietta Highway Canton, GA 30114 Full Service B&M $49,131
    Ameris Bank 3607 Mundy Mill Road Oakwood, GA 30566 Full Service B&M $42,532
    Ameris Bank 3811 Frederica Road Saint Simons Island, GA 31522 Full Service B&M $46,772
    Ameris Bank 4070 Us 1 S Saint Augustine, FL 32086 Full Service B&M $57,909
    Ameris Bank 412 Stephenson Avenue Savannah, GA 31405 Full Service B&M $149,285
    Ameris Bank 4343 Roosevelt Boulevard Jacksonville, FL 32210 Full Service B&M $47,060
    Ameris Bank 450 23rd Street East Panama City, FL 32405 Full Service B&M $66,345
    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 $120,010
    Ameris Bank 4835 Town Center Parkway Jacksonville, FL 32246 Full Service B&M $201,340
    Ameris Bank 485 Blanding Boulevard Orange Park, FL 32073 Full Service B&M $69,081
    Ameris Bank 4979 Bill Gardner Pkwy. Locust Grove, GA 30248 Full Service B&M $42,549
    Ameris Bank 501 W Hwy80 Pooler, GA 31322 Full Service B&M $70,014
    Ameris Bank 5010 Nw 43rd St Gainesville, FL 32606 Full Service B&M $170,346
    Ameris Bank 505 Haines Avenue Waycross, GA 31501 Full Service B&M $137,697
    Ameris Bank 510 South Second Street Cordele, GA 31015 Full Service B&M $62,982
    Ameris Bank 530 East Wade Street Trenton, FL 32693 Full Service B&M $60,759
    Ameris Bank 5400 Sw College Rd Ocala, FL 34474 Full Service B&M $35,116
    Ameris Bank 560 Atlantic Boulevard Neptune Beach, FL 32266 Full Service B&M $75,150
    Ameris Bank 5799 Hwy 21 S Rincon, GA 31326 Full Service B&M $69,145
    Ameris Bank 5895 Jeff Davis Lane, Nw Acworth, GA 30101 Full Service B&M $51,983
    Ameris Bank 601 Reid Street Palatka, FL 32177 Full Service B&M $51,288
    Ameris Bank 605 West Highway 80 Pooler, GA 31322 Limited, Administrative $0
    Ameris Bank 6100 Stewart Parkway Douglasville, GA 30135 Full Service B&M $31,235
    Ameris Bank 6157 Fairburn Rd Douglasville, GA 30134 Full Service B&M $117,891
    Ameris Bank 7000 Sw Archer Road Gainesville, FL 32608 Full Service B&M $54,725
    Ameris Bank 701 West Main Street Lexington, SC 29072 Full Service B&M $53,257
    Ameris Bank 735 W 2nd St Tifton, GA 31794 Full Service B&M $83,081
    Ameris Bank 79 Ne 121st Street Cross City, FL 32628 Full Service B&M $34,681
    Ameris Bank 790 North Ponce De Leon Boulevard Saint Augustine, FL 32084 Full Service B&M $149,947
    Ameris Bank 8048 Normandy Blvd Jacksonville, FL 32221 Full Service B&M $112,068
    Ameris Bank 834 Savannah Highway Charleston, SC 29407 Full Service B&M $53,892
    Ameris Bank 854 Washington Street Gainesville, GA 30501 Full Service B&M $140,089
    Ameris Bank 901 Bowens Mill Rd Sw Douglas, GA 31533 Full Service B&M $68,443
    Ameris Bank 922 Joe Frank Harris Pkwy Se Cartersville, GA 30120 Full Service B&M $42,933
    Ameris Bank 97 South Broad Street Butler, GA 31006 Full Service B&M $37,477
    Ameris Bank Highway 26 And Quail Street Melrose, FL 32666 Full Service B&M $48,621

    For 2019, Ameris Bank had 118 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $636,394
    Net interest income $521,180
    Total noninterest income $189,362
    Gross Fiduciary activities income $1,411
    Service charges on deposit accounts $31,883
    Trading account gains and fees $0
    Additional Noninterest Income $156,068
    Pre-tax net operating income $242,481
    Securities gains (or losses, -) $77
    Income before extraordinary items $186,187
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $186,187
    Minority interest net income $0
    Net income $186,187
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $186,126

    Ameris Bank's gross interest income from loans was $636,394,000.
    Ameris Bank's net interest income from loans was $521,180,000.
    Ameris Bank's fee based income from loans was $31,883,000.
    Ameris Bank's net income from loans was $186,187,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $115,214
    Provision for credit losses $20,100
    Total noninterest expense $447,961
    Salaries and employee benefits $217,936
    Premises and equipment expense $41,073
    Additional noninterest expense $188,952
    Applicable income taxes $56,371
    Net charge-offs $10,730
    Cash dividends $67,200

    Ameris Bank's interest expense for loans was $115,214,000.
    Ameris Bank's payroll and benefits expense were $217,936,000.
    Ameris Bank's property, plant and equipment expenses $41,073,000.

    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 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    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 $14,130,413
    Deposits held in domestic offices $14,130,413
    Deposits by Individuals, partnerships, and corporations $12,581,761
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $1,540,800
    Deposits by Commercial banks and other depository institutions in U.S. $7,852
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,651,823
    Demand deposits $1,301,363
    Nontransaction accounts $12,478,590
    Money market deposit accounts (MMDAs) $3,952,246
    Other savings deposits (excluding MMDAs) $5,658,971
    Total time deposits $2,867,373
    Total time and savings deposits $12,829,050
    Noninterest-bearing deposits $4,302,788
    Interest-bearing deposits $9,827,625
    Retail deposits $13,016,919
    IRAs and Keogh plan accounts $352,377
    Brokered deposits $452,709
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $18,156,981
    Cash & Balances due from depository institutions $597,685
    Interest-bearing balances $351,451
    Total securities $1,403,864
    Federal funds sold & reverse repurchase $24,413
    Net loans and leases $14,436,998
    Loan and leases loss allowance $38,189
    Trading account assets $0
    Bank premises and fixed assets $272,423
    Other real estate owned $32,933
    Goodwill and other intangibles $1,043,911
    All other assets $344,754

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $18,156,981
    Total Liabilities $15,547,516
    Total deposits $14,130,413
    Interest-bearing deposits $9,827,625
    Deposits held in domestic offices $14,130,413
    % insured (estimated) $74
    Federal funds purchased and repurchase agreements $20,635
    Trading liabilities $0
    Other borrowed funds $1,172,727
    Subordinated debt $76,596
    All other liabilities $147,145

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $14,436,998
    Loan and leases loss allowance $38,189
    Total loans and leases (domestic) $14,475,187
    All real estate loans $10,366,536
    Real estate loans in domestic offices $10,366,536
    Construction and development loans $1,639,660
    Residential 1-4 family construction $659,393
    Other construction, all land development and other land $980,267
    Loans secured by nonfarm nonresidential properties $3,899,306
    Nonfarm nonresidential secured by owner-occupied properties $1,540,319
    Commercial real estate & other non-farm, non-residential $2,358,987
    Multifamily residential real estate $297,317
    1-4 family residential loans $4,370,440
    Farmland loans $159,813
    Loans held in foreign offices $0
    Farm loans $56,676
    Commercial and industrial loans $1,330,847
    To non-U.S. addressees $0
    Loans to individuals $1,550,833
    Credit card loans $0
    Related Plans $10,398
    Consumer Auto Loans $1,062,114
    Other loans to individuals $478,321
    All other loans & leases $1,170,295
    Loans to foreign governments and official institutions $0
    Other loans $593,919
    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 $23,683
    Non 1-4 family restructured loans & leases $6,614
    Total loans and leases (foreign) $0

    Ameris Bank had $14,436,998,000 of loans outstanding in 2019. $10,366,536,000 of loans were in real estate loans. $1,639,660,000 of loans were in development loans. $297,317,000 of loans were in multifamily mortgage loans. $4,370,440,000 of loans were in 1-4 family mortgage loans. $56,676,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,062,114,000 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 3,748 $905,033 $241,471
    Nonfarm, nonresidential loans - <$100k 516 $19,695 $38,169
    Nonfarm, nonresidential loans - $100-250k 1,130 $129,341 $114,461
    Nonfarm, nonresidential loans - $250k-1MM 2,102 $755,997 $359,656
    Commercial & Industrial, US addressed loans - <$1MM 70,593 $908,853 $12,875
    Commercial & Industrial, US addressed loans - <$100k 66,129 $313,994 $4,748
    Commercial & Industrial, US addressed loans - $100-250k 2,709 $222,300 $82,060
    Commercial & Industrial, US addressed loans - $250k-1MM 1,755 $372,559 $212,284
    Farmland loans - <$1MM 518 $55,954 $108,019
    Farmland loans - <$100k 237 $9,577 $40,409
    Farmland loans - $100-250k 173 $20,425 $118,064
    Farmland loans - $250k-1MM 108 $25,952 $240,296
    Agriculture operations loans - <$1MM 703 $28,058 $39,912
    Agriculture operations loans - <$100k 552 $11,279 $20,433
    Agriculture operations loans - $100-250k 96 $6,842 $71,271
    Agriculture operations loans - $250k-1MM 55 $9,937 $180,673