Ameris Bank Mortgage Rates, Fees & Info
Atlanta, GALEI: IUGPUX5LWRZ3B6KIZ697
Tax ID: 58-1111076
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Mortgage Data
Review & Overview
Ameris Bank is a mid-sized bank specializing in Home Purchase loans. Ameris Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Jacksonville, Washington, Charleston, and Nashville among others. We have data for 300 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) | 6.72% | 4/5/25 |
| 30 Year Conventional Purchase | 6.81% | 4/5/25 |
| 30 Year Conventional Refi | 6.74% | 4/5/25 |
| 30 Year Cash-out Refi | 7.10% | 4/5/25 |
| 30 Year FHA Purchase | 7.05% | 4/5/25 |
| 30 Year FHA Refi | 6.94% | 4/5/25 |
| 30 Year VA Purchase | 6.31% | 4/5/25 |
| 30 Year VA Refi | 6.06% | 4/5/25 |
| 30 Year USDA Purchase | 6.85% | 4/5/25 |
| 15 Year Conventional Purchase | 4.17% | 4/5/25 |
| 15 Year Conventional Refi | 5.96% | 4/5/25 |
| 15 Year Cash-out Refi | 5.96% | 4/5/25 |
| 15 Year FHA Purchase | 6.00% | 4/5/25 |
| 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
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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
16,281Origination Dollar Volume (All Markets)
$6,066,435,000Awards
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Ameris Bank - 2022
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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) | 5,172 | $1,973,480,000 | $381,570 | $8,158 | 4.83% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 974 | $394,090,000 | $404,610 | $8,146 | 5.12% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 719 | $337,575,000 | $469,506 | $8,658 | 4.51% |
| Outside of Metro Areas | 605 | $198,315,000 | $327,793 | $7,283 | 5.05% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 505 | $197,435,000 | $390,960 | $7,035 | 4.87% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 415 | $169,975,000 | $409,578 | $6,095 | 4.95% |
| COLUMBIA, SC (FHA|USDA|VA) | 561 | $132,315,000 | $235,856 | $6,503 | 4.41% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 183 | $132,145,000 | $722,104 | $8,273 | 4.73% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 390 | $131,070,000 | $336,077 | $7,475 | 4.72% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 273 | $107,015,000 | $391,996 | $8,319 | 5.13% |
| GAINESVILLE, FL (FHA|USDA|VA) | 312 | $94,310,000 | $302,276 | $6,582 | 4.84% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 81 | $91,635,000 | $1,131,296 | $8,101 | 4.98% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 249 | $79,995,000 | $321,265 | $5,472 | 4.84% |
| GAINESVILLE, GA (FHA|USDA|VA) | 190 | $79,160,000 | $416,632 | $9,568 | 5.03% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 120 | $76,010,000 | $633,417 | $7,683 | 4.08% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 214 | $74,260,000 | $347,009 | $5,988 | 4.61% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 121 | $70,365,000 | $581,529 | $10,999 | 4.46% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 207 | $69,565,000 | $336,063 | $8,418 | 4.60% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 228 | $68,960,000 | $302,456 | $6,912 | 4.71% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 230 | $68,190,000 | $296,478 | $7,092 | 4.68% |
| VALDOSTA, GA (FHA|USDA|VA) | 239 | $56,985,000 | $238,431 | $7,327 | 5.06% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 12 | $50,400,000 | $4,200,000 | $6,460 | 6.07% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 119 | $45,765,000 | $384,580 | $6,718 | 4.70% |
| SAVANNAH, GA (FHA|USDA|VA) | 179 | $44,385,000 | $247,961 | $6,683 | 5.22% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 43 | $43,175,000 | $1,004,070 | $24,159 | 4.68% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 67 | $41,995,000 | $626,791 | $8,759 | 4.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 12 | $41,830,000 | $3,485,833 | $8,031 | 4.98% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 88 | $40,880,000 | $464,545 | $8,706 | 5.47% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 129 | $40,325,000 | $312,597 | $5,685 | 4.80% |
| Jefferson, GA (FHA|USDA|VA) | 94 | $39,540,000 | $420,638 | $8,842 | 4.84% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 89 | $39,085,000 | $439,157 | $7,736 | 4.86% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 89 | $35,505,000 | $398,933 | $6,702 | 4.81% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 50 | $34,880,000 | $697,600 | $10,812 | 4.70% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 60 | $34,290,000 | $571,500 | $11,883 | 4.95% |
| RICHMOND, VA (FHA|USDA|VA) | 102 | $32,800,000 | $321,569 | $6,529 | 4.95% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 81 | $31,145,000 | $384,506 | $7,212 | 5.15% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 64 | $29,380,000 | $459,063 | $5,699 | 4.29% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 114 | $28,350,000 | $248,684 | $5,713 | 5.02% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 97 | $27,495,000 | $283,454 | $7,058 | 4.80% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 58 | $27,140,000 | $467,931 | $9,188 | 4.97% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 127 | $26,495,000 | $208,622 | $6,372 | 5.13% |
| OCALA, FL (FHA|USDA|VA) | 119 | $25,885,000 | $217,521 | $6,089 | 4.96% |
| DOTHAN, AL (FHA|USDA|VA) | 128 | $24,010,000 | $187,578 | $5,799 | 4.90% |
| SPARTANBURG, SC (FHA|USDA|VA) | 84 | $23,980,000 | $285,476 | $6,722 | 4.95% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 114 | $22,470,000 | $197,105 | $5,308 | 4.70% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 95 | $20,205,000 | $212,684 | $6,101 | 5.03% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 77 | $20,075,000 | $260,714 | $6,273 | 4.32% |
| PANAMA CITY, FL (FHA|USDA|VA) | 47 | $17,395,000 | $370,106 | $6,800 | 5.08% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 39 | $16,515,000 | $423,462 | $9,547 | 5.04% |
| ALBANY, GA (FHA|USDA|VA) | 93 | $14,855,000 | $159,731 | $5,696 | 4.80% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 14 | $14,600,000 | $1,042,857 | $12,225 | 4.13% |
| BRUNSWICK, GA (FHA|USDA|VA) | 38 | $14,110,000 | $371,316 | $8,397 | 4.90% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 26 | $12,490,000 | $480,385 | $7,648 | 5.04% |
| ASHEVILLE, NC (FHA|USDA|VA) | 32 | $12,200,000 | $381,250 | $7,459 | 5.30% |
| Georgetown, SC (FHA|USDA|VA) | 28 | $11,960,000 | $427,143 | $6,580 | 4.68% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 27 | $11,775,000 | $436,111 | $12,502 | 5.34% |
| LaGrange, GA-AL (FHA|USDA|VA) | 53 | $10,615,000 | $200,283 | $6,280 | 5.12% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 20 | $9,780,000 | $489,000 | $10,341 | 4.88% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 29 | $9,735,000 | $335,690 | $5,661 | 4.62% |
| Dublin, GA (FHA|USDA|VA) | 54 | $9,620,000 | $178,148 | $5,327 | 4.52% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 26 | $9,510,000 | $365,769 | $9,928 | 4.67% |
| Milledgeville, GA (FHA|USDA|VA) | 31 | $9,175,000 | $295,968 | $6,078 | 4.74% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 27 | $8,975,000 | $332,407 | $6,901 | 5.01% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 35 | $8,895,000 | $254,143 | $4,960 | 4.88% |
| Moultrie, GA (FHA|USDA|VA) | 51 | $7,775,000 | $152,451 | $5,513 | 4.91% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 23 | $7,685,000 | $334,130 | $8,125 | 5.29% |
| KNOXVILLE, TN (FHA|USDA|VA) | 20 | $7,650,000 | $382,500 | $5,900 | 5.02% |
| SUMTER, SC (FHA|USDA|VA) | 38 | $7,550,000 | $198,684 | $5,421 | 4.25% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 15 | $7,495,000 | $499,667 | $7,554 | 4.15% |
| Cullowhee, NC (FHA|USDA|VA) | 12 | $7,390,000 | $615,833 | $11,594 | 4.78% |
| ROME, GA (FHA|USDA|VA) | 24 | $7,290,000 | $303,750 | $7,072 | 5.28% |
| MONTGOMERY, AL (FHA|USDA|VA) | 19 | $6,575,000 | $346,053 | $6,853 | 4.57% |
| HINESVILLE, GA (FHA|USDA|VA) | 31 | $6,555,000 | $211,452 | $8,007 | 5.05% |
| Seneca, SC (FHA|USDA|VA) | 22 | $6,410,000 | $291,364 | $7,535 | 4.77% |
| St. Marys, GA (FHA|USDA|VA) | 31 | $6,245,000 | $201,452 | $5,611 | 5.74% |
| Albemarle, NC (FHA|USDA|VA) | 20 | $6,140,000 | $307,000 | $7,902 | 5.46% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 10 | $6,020,000 | $602,000 | $9,723 | 4.82% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 18 | $5,970,000 | $331,667 | $9,526 | 5.71% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 7 | $5,785,000 | $826,429 | $15,272 | 4.38% |
| Toccoa, GA (FHA|USDA|VA) | 15 | $5,755,000 | $383,667 | $8,727 | 4.97% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 32 | $5,690,000 | $177,813 | $5,536 | 4.85% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 14 | $5,650,000 | $403,571 | $6,481 | 4.76% |
| NEW BERN, NC (FHA|USDA|VA) | 25 | $5,545,000 | $221,800 | $3,543 | 4.33% |
| BURLINGTON, NC (FHA|USDA|VA) | 21 | $5,375,000 | $255,952 | $5,628 | 5.08% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 22 | $5,320,000 | $241,818 | $5,218 | 5.07% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 8 | $5,210,000 | $651,250 | $8,767 | 4.19% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 7 | $4,865,000 | $695,000 | $8,238 | 5.02% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 20 | $4,860,000 | $243,000 | $6,336 | 5.25% |
| Key West, FL (FHA|USDA|VA) | 4 | $4,830,000 | $1,207,500 | $7,239 | 5.19% |
| Calhoun, GA (FHA|USDA|VA) | 21 | $4,675,000 | $222,619 | $7,979 | 5.22% |
| Morehead City, NC (FHA|USDA|VA) | 8 | $4,620,000 | $577,500 | $7,720 | 4.78% |
| COLUMBUS, OH (FHA|USDA|VA) | 17 | $4,605,000 | $270,882 | $7,843 | 5.93% |
| THE VILLAGES, FL (FHA|USDA|VA) | 18 | $4,590,000 | $255,000 | $6,291 | 4.87% |
| Newberry, SC (FHA|USDA|VA) | 14 | $4,520,000 | $322,857 | $8,477 | 4.88% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 17 | $4,495,000 | $264,412 | $6,782 | 5.12% |
| Lake City, FL (FHA|USDA|VA) | 23 | $4,315,000 | $187,609 | $7,872 | 4.53% |
| GADSDEN, AL (FHA|USDA|VA) | 20 | $4,220,000 | $211,000 | $7,349 | 4.56% |
| Palatka, FL (FHA|USDA|VA) | 19 | $3,865,000 | $203,421 | $7,164 | 4.66% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 8 | $3,810,000 | $476,250 | $6,717 | 4.27% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 12 | $3,770,000 | $314,167 | $4,089 | 5.17% |
| Sevierville, TN (FHA|USDA|VA) | 8 | $3,660,000 | $457,500 | $8,240 | 5.09% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 10 | $3,640,000 | $364,000 | $7,838 | 5.21% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 18 | $3,580,000 | $198,889 | $6,291 | 5.05% |
| Orangeburg, SC (FHA|USDA|VA) | 18 | $3,580,000 | $198,889 | $6,023 | 4.19% |
| Americus, GA (FHA|USDA|VA) | 20 | $3,160,000 | $158,000 | $5,853 | 5.69% |
| VALLEJO, CA (FHA|USDA|VA) | 7 | $3,135,000 | $447,857 | $6,909 | 4.59% |
| Thomasville, GA (FHA|USDA|VA) | 18 | $3,080,000 | $171,111 | $6,816 | 5.95% |
| LYNCHBURG, VA (FHA|USDA|VA) | 9 | $3,055,000 | $339,444 | $5,203 | 4.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 9 | $3,015,000 | $335,000 | $9,308 | 4.74% |
| Tifton, GA (FHA|USDA|VA) | 20 | $3,000,000 | $150,000 | $5,462 | 5.43% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 7 | $2,855,000 | $407,857 | $7,113 | 4.96% |
| Shelbyville, TN (FHA|USDA|VA) | 8 | $2,850,000 | $356,250 | $7,319 | 5.56% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 11 | $2,835,000 | $257,727 | $5,350 | 5.32% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 9 | $2,825,000 | $313,889 | $3,729 | 5.55% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 8 | $2,720,000 | $340,000 | $6,849 | 4.25% |
| Cedartown, GA (FHA|USDA|VA) | 9 | $2,645,000 | $293,889 | $8,074 | 5.65% |
| Douglas, GA (FHA|USDA|VA) | 25 | $2,635,000 | $105,400 | $5,979 | 5.34% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 5 | $2,615,000 | $523,000 | $7,264 | 5.06% |
| Waycross, GA (FHA|USDA|VA) | 15 | $2,585,000 | $172,333 | $8,189 | 5.15% |
| Cullman, AL (FHA|USDA|VA) | 11 | $2,525,000 | $229,545 | $6,224 | 4.51% |
| Statesboro, GA (FHA|USDA|VA) | 10 | $2,460,000 | $246,000 | $8,381 | 4.74% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 7 | $2,395,000 | $342,143 | $5,752 | 5.42% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 7 | $2,375,000 | $339,286 | $7,348 | 5.14% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $2,365,000 | $788,333 | $5,965 | 4.75% |
| Cornelia, GA (FHA|USDA|VA) | 9 | $2,325,000 | $258,333 | $7,404 | 4.83% |
| Vidalia, GA (FHA|USDA|VA) | 23 | $2,265,000 | $98,478 | $3,934 | 6.22% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $2,185,000 | $728,333 | $4,728 | 4.54% |
| Hilo, HI (FHA|USDA|VA) | 5 | $2,105,000 | $421,000 | $10,259 | 4.07% |
| Ozark, AL (FHA|USDA|VA) | 10 | $1,980,000 | $198,000 | $5,761 | 4.64% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $1,915,000 | $638,333 | $12,442 | 4.38% |
| Forest City, NC (FHA|USDA|VA) | 5 | $1,915,000 | $383,000 | $7,865 | 4.75% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $1,910,000 | $955,000 | $10,750 | 4.81% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $1,875,000 | $375,000 | $7,456 | 4.58% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 9 | $1,715,000 | $190,556 | $4,430 | 4.66% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $1,680,000 | $840,000 | $9,130 | 4.38% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $1,670,000 | $835,000 | $26,250 | 3.81% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 4 | $1,590,000 | $397,500 | $6,880 | 5.22% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $1,575,000 | $525,000 | $9,506 | 4.79% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $1,520,000 | $380,000 | $2,709 | 4.13% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $1,520,000 | $760,000 | $27,178 | 4.88% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $1,440,000 | $720,000 | $13,915 | 5.50% |
| PITTSBURGH, PA (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $8,359 | 5.23% |
| Albertville, AL (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $7,518 | 4.10% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $12,457 | 5.44% |
| Eufaula, AL-GA (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $7,512 | 4.97% |
| CLEVELAND, TN (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $5,017 | 4.82% |
| FLORENCE, SC (FHA|USDA|VA) | 10 | $1,250,000 | $125,000 | $5,462 | 3.55% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $4,216 | 4.75% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $1,240,000 | $620,000 | $21,548 | 4.38% |
| Boone, NC (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $6,438 | 5.20% |
| MADERA, CA (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $7,139 | 4.13% |
| DECATUR, AL (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $10,967 | 5.78% |
| Bainbridge, GA (FHA|USDA|VA) | 7 | $1,165,000 | $166,429 | $7,183 | 5.35% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $7,301 | 4.97% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $7,114 | 4.69% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $3,605 | 3.88% |
| Enterprise, AL (FHA|USDA|VA) | 6 | $1,130,000 | $188,333 | $4,812 | 4.77% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $9,706 | 4.00% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $6,723 | 4.62% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $3,549 | 5.88% |
| GREENVILLE, NC (FHA|USDA|VA) | 6 | $1,050,000 | $175,000 | $4,251 | 4.27% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $25,296 | 4.75% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $3,923 | 5.34% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $4,869 | 5.59% |
| Wilson, NC (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $5,547 | 4.09% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 2 | $1,020,000 | $510,000 | $4,282 | 5.25% |
| Thomaston, GA (FHA|USDA|VA) | 7 | $1,015,000 | $145,000 | $6,265 | 5.27% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $4,575 | 5.53% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $6,518 | 3.63% |
| Alexander City, AL (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $8,404 | 4.47% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $945,000 | $945,000 | $6,175 | 6.13% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $4,888 | 3.67% |
| MADISON, WI (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $5,120 | 5.00% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $3,338 | 3.46% |
| Greenwood, SC (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $4,622 | 3.32% |
| Oxford, MS (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $4,234 | 5.69% |
| Brevard, NC (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $5,282 | 3.96% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $12,744 | 4.88% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $5,960 | 5.56% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $18,163 | 5.25% |
| STAUNTON, VA (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $2,750 | 4.63% |
| Lewisburg, TN (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $3,799 | 5.13% |
| Henderson, NC (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $6,866 | 4.63% |
| MOBILE, AL (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $7,031 | 6.15% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $4,413 | 5.38% |
| Sanford, NC (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $5,182 | 4.19% |
| DOVER, DE (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $10,588 | 5.21% |
| LOUISVILLE, KY (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $3,591 | 3.94% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $3,624 | 5.66% |
| Jasper, AL (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $8,269 | 5.17% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $5,800 | 4.75% |
| Cordele, GA (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $5,819 | 4.88% |
| DALTON, GA (FHA|USDA|VA) | 5 | $675,000 | $135,000 | $5,109 | 4.00% |
| Mount Airy, NC (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $6,599 | 4.79% |
| Troy, AL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $7,565 | 5.04% |
| Union, SC (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $5,918 | 4.83% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $8,920 | 4.31% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $5,828 | 3.33% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $6,035 | 3.75% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $7,069 | 6.50% |
| Newport, TN (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $17,117 | 5.13% |
| West Plains, MO (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,583 | 6.06% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $10,426 | 5.12% |
| MERCED, CA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,623 | 3.69% |
| Wauchula, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $7,594 | 3.25% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $12,281 | 4.75% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $4,245 | 5.50% |
| Scottsboro, AL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $9,007 | 3.69% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,551 | 4.75% |
| Harrison, AR (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $2,628 | 5.08% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,285 | 3.88% |
| Crossville, TN (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,982 | 4.49% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $7,873 | 6.13% |
| Fort Payne, AL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $8,352 | 4.43% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,547 | 6.06% |
| Van Wert, OH (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,458 | 3.31% |
| Kinston, NC (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $3,516 | 4.79% |
| Shelby, NC (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,211 | 5.87% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $8,263 | 7.25% |
| Gaffney, SC (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,145 | 6.38% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 6.00% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,876 | 4.25% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,379 | 4.56% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $12,880 | 4.50% |
| GOLDSBORO, NC (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $7,372 | 4.25% |
| Los Alamos, NM (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,584 | 4.38% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,883 | 4.88% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,931 | 4.00% |
| Athens, TN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,783 | 5.13% |
| LIMA, OH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $10,451 | 5.50% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,666 | 4.25% |
| Salina, KS (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,410 | 6.13% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $13,900 | 3.50% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,244 | 7.13% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,510 | 6.63% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,046 | 3.88% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,265 | 4.99% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,673 | 5.75% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,477 | 3.63% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,609 | 6.00% |
| Mountain Home, AR (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,365 | 5.75% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,217 | 5.31% |
| ERIE, PA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,529 | 5.13% |
| Summerville, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,304 | 5.06% |
| Washington, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,426 | 3.88% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,698 | 6.13% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,915 | 3.88% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,787 | 5.94% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,727 | 5.81% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,231 | 5.88% |
| NAPA, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,640 | 3.13% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,306 | 4.13% |
| Bennettsville, SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $12,437 | 5.00% |
| DuBois, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,296 | 3.63% |
| Outside of Metro Areas | 1 | $255,000 | $255,000 | $0 | 5.00% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,760 | 4.93% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,617 | 4.13% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,729 | 3.13% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,384 | 4.88% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,894 | 4.38% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,810 | 3.13% |
| Branson, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,948 | 6.38% |
| Somerset, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,061 | 6.38% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,135 | 3.00% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,565 | 4.75% |
| McComb, MS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,719 | 4.63% |
| Fitzgerald, GA (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $4,786 | 5.88% |
| Maryville, MO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,435 | 5.49% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,957 | 4.99% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,171 | 6.75% |
| WACO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,762 | 3.25% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,833 | 4.63% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,130 | 4.50% |
| AKRON, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,443 | 3.75% |
| Marion, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,634 | 3.63% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,925 | 5.50% |
| MUSKEGON, MI (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $3,458 | 4.75% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,047 | 5.38% |
| Fremont, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,628 | 5.63% |
| MUNCIE, IN (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 4.88% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,979 | 3.13% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,309 | 3.25% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,106 | 5.88% |
| Zanesville, OH (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 6.81% |
| Ashland, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,364 | 5.13% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.75% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,574 | 5.00% |
| McMinnville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,334 | 3.50% |
| Malvern, AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,522 | 7.00% |
| Defiance, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,535 | 4.88% |
| READING, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,728 | 3.88% |
| Jesup, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.25% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.38% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,250 | 6.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 6.00% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,327 | 3.49% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,365 | 7.63% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,842 | 5.88% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,641 | 5.75% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,027 | 5.49% |
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Product Mix
For 2022, Ameris Bank's most frequently originated type of loan was Conventional, with 12,293 originations. Their 2nd most popular type was FHA, with 1,834 originations.
Loan Reason
For 2022, Ameris Bank's most frequently cited loan purpose was Home Purchase, with 12,935 originations. The 2nd most popular reason was Cash Out Refi, with 1,559 originations.
Loan Duration/Length
For 2022, Ameris Bank's most frequently cited loan duration was 30 Year, with 13,256 originations. The 2nd most popular length was 15 Year, with 1,593 originations.
Origination Fees/Closing Costs
Ameris Bank's average total fees were $7,556, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,836 originations.
Interest Rates
During 2022, Ameris Bank's average interest rate for loans was 4.85%, while their most frequently originated rate bucket for loans was 5-6%, with 4,291 originations.
Loan Sizing
2022 saw Ameris Bank place emphasis on $200k-400k loans with 7,178 originations, totaling $2,104,200,000 in origination value.
Applicant Income
Ameris Bank lent most frequently to those with incomes in the $100k-150k range, with 3,807 originations. The second most popular income band? $150k-250k, with 3,178 originations.
Applicant Debt to Income Ratio
Ameris Bank lent most frequently to those with DTI ratios of 20-30%, with 3,071 originations. The next most common DTI ratio? 30-36%, with 2,783 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.70%
Ameris Bank has an average approval rate.
Pick Rate
Approvals leading to origination70.89%
Ameris Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 16,281 | $6,066,435,000 | $372,608 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 16,281 | $6,066,435,000 | $372,608 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| AMERIS BANCORP | Conventional home mortgage | Trouble during payment process | 1 | 100.0% |