# Ameris Bank

> **Canonical URL:** https://saferate.com/lenders/ameris-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Ameris Bank is a bank, headquartered in Atlanta, GA, serving borrowers nationwide, with 11,244 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 58% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** IUGPUX5LWRZ3B6KIZ697
- **Headquarters:** Atlanta, GA
- **Geographic Reach:** National
- **States Served:** 44
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NH, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 85.9%
- **Brokered/Wholesale:** 14.1%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.172%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,801
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 11,244
- **Dollar Volume:** $4.5 billion
- **Applications Received:** 15,121
- **Market Share:** 32.00%

## Typical Borrower Profile

- **Average Loan Amount:** $397,153
- **Average Borrower Income:** $160,757
- **Average Property Value:** $524,427

## Safe Rate Awards 🏆

- 💎 **VA Diamond Champion** (83%)
- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **Jumbo Gold Superstar** (62%)
- ⭐ **USDA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 89/100 | 8,029 | +0.177% | $2,925 | Exceptional 🤩 |
| FHA | 87/100 | 1,759 | +0.430% | $2,782 | Exceptional 🤩 |
| VA | 87/100 | 1,061 | -0.383% | $1,753 | Exceptional 🤩 |
| Jumbo | 86/100 | 303 | +0.438% | $2,626 | Exceptional 🤩 |
| USDA | 85/100 | 92 | +0.154% | $2,630 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 7,165 loans, Score: 90/100 (Exceptional)
- Refinance: 864 loans, Score: 83/100 (Exceptional)

**FHA:**
- Purchase: 1,667 loans, Score: 88/100 (Exceptional)
- Refinance: 92 loans, Score: 76/100 (Strong)

**VA:**
- Purchase: 988 loans, Score: 87/100 (Exceptional)
- Refinance: 73 loans, Score: 80/100 (Strong)

**Jumbo:**
- Purchase: 264 loans, Score: 86/100 (Exceptional)
- Refinance: 39 loans, Score: 81/100 (Exceptional)

**USDA:**
- Purchase: 92 loans, Score: 85/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 90/100 | 10,176 | $4.0B | +0.184% | Exceptional 🤩 |
| Refinance | 82/100 | 1,068 | $455M | +0.083% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 4,440 | 3.22% | 97/100 |
| FL | 1,655 | 0.57% | 79/100 |
| SC | 1,480 | 1.85% | 92/100 |
| VA | 756 | 0.70% | 81/100 |
| NC | 549 | 0.37% | 71/100 |
| MD | 486 | 0.69% | 76/100 |
| CA | 429 | 0.15% | 65/100 |
| TN | 391 | 0.43% | 73/100 |
| AL | 386 | 0.64% | 77/100 |
| IL | 120 | 0.10% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 2,494 | 98/100 |
| Non |  | 867 | 72/100 |
| Marietta, GA | GA | 826 | 97/100 |
| Jacksonville, FL | FL | 745 | 90/100 |
| Charleston | SC | 462 | 93/100 |
| Arlington | VA-WV | 448 | 80/100 |
| Columbia, SC | SC | 391 | 90/100 |
| Nashville | TN | 320 | 78/100 |
| Baltimore | MD | 255 | 74/100 |
| Valdosta, GA | GA | 201 | 100/100 |
| Augusta | GA-SC | 198 | 84/100 |
| Charlotte | NC-SC | 196 | 70/100 |
| Deltona | FL | 187 | 78/100 |
| Washington, DC | DC-MD | 158 | 74/100 |
| Gainesville, FL | FL | 141 | 86/100 |

## Where This Lender Ranks

Ameris Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in United States for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/national/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Georgia for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Atlanta for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Atlanta for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Atlanta for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Florida for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/florida/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in South Carolina for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Marietta, GA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Marietta, GA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Virginia for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Virginia for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Jacksonville, FL Banks
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/banks)
- 🥇 **#1** in Jacksonville, FL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Jacksonville, FL for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Maryland for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Charleston for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/charleston/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Arlington for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Columbia, SC for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Baltimore for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/baltimore/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Valdosta, GA
  - [View Full Rankings](https://saferate.com/valdosta-ga/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Ameris Bank offer?

Ameris Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Ameris Bank offer mortgages?

Ameris Bank is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Ameris Bank's mortgage rates?

Ameris Bank has a pricing score of 42/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.172% above market average.

### What type of lender is Ameris Bank?

Ameris Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Atlanta, GA.

### What is Ameris Bank's loan approval success rate?

Ameris Bank has a pull-through score of 82/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/ameris-bank

### How to Cite

> "Ameris Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ameris-bank

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