Ameris Bank Mortgage Rates, Fees & Info
Atlanta, GALEI: IUGPUX5LWRZ3B6KIZ697
Tax ID: 58-1111076
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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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 11/17/24 |
| 30 Year Conventional Purchase | 6.62% | 11/17/24 |
| 30 Year Conventional Refi | 6.52% | 11/17/24 |
| 30 Year Cash-out Refi | 6.74% | 11/17/24 |
| 30 Year FHA Purchase | 7.27% | 11/17/24 |
| 30 Year FHA Refi | 7.09% | 11/17/24 |
| 30 Year VA Purchase | 6.19% | 11/17/24 |
| 30 Year VA Refi | 6.12% | 11/17/24 |
| 30 Year USDA Purchase | 6.72% | 11/17/24 |
| 30 Year USDA Refi | 6.27% | 11/17/24 |
| 15 Year Conventional Purchase | 6.10% | 11/17/24 |
| 15 Year Conventional Refi | 6.07% | 11/17/24 |
| 15 Year Cash-out Refi | 6.07% | 11/17/24 |
| 15 Year FHA Purchase | 6.94% | 11/17/24 |
| 15 Year FHA Refi | 6.33% | 11/17/24 |
| 15 Year VA Purchase | 5.61% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Ameris Bank Mortgage Calculator
Your Estimates
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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
29,181Origination Dollar Volume (All Markets)
$9,366,055,000Employee count
2,865Awards
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Ameris Bank - 2021
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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, KY (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% |
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Product Mix
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
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
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
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
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
2021 saw Ameris Bank place emphasis on $200k-400k loans with 13,789 originations, totaling $3,964,265,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications93.91%
Ameris Bank has an average approval rate.
Pick Rate
Approvals leading to origination75.81%
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
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 | 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 |
| 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 | 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 | 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 | 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 | 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 | 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 | 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 | 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 | 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 | 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 | 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 | 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 | 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 |
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 |