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Ameris Bank
Bank|Atlanta, GA|National
Loans Originated
11,244
Applications
15,121
Volume
$4 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Exceptional
Safe Rate Awards💎VA Champion⭐Conventional Superstar⭐FHA Superstar⭐USDA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.172%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,801
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
74.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Report Card
Ameris Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Exceptional | Market Leader | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | National · 50 metro areas · 44 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$397,153
Average Borrower Income
$160,757
Average Property Value
$524,427
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Sound | Strong | 8,029 | 71.4% | +0.177% | $2,925 |
FHA Loans | Strong | Exceptional | Sound | Strong | 1,759 | 15.6% | +0.430% | $2,782 |
VA Loans | Exceptional | Exceptional | Strong | Exceptional | 1,061 | 9.4% | -0.383% | $1,753 |
Jumbo Loans | Sound | Exceptional | Acceptable | Strong | 303 | 2.7% | +0.438% | $2,626 |
USDA Loans | Strong | Exceptional | Sound | Strong | 92 | 0.8% | +0.154% | $2,630 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 10,176 | 90.5% | +0.184% | $2,909 |
Refinance | Strong | Exceptional | Sound | Strong | 1,068 | 9.5% | +0.083% | $1,979 |
Geographic Coverage
Metro Areas
49
States Served
44
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Valdosta, GA, GAMSA
Volume: 201Mix: 1.79%
Place Specialization
Exceptional
2
Anniston, ALMSA
Volume: 117Mix: 1.04%
Place Specialization
Exceptional
3
Atlanta, GAMSA
Volume: 2,494Mix: 22.18%
Place Specialization
Exceptional
4
Marietta, GA, GAMSA
Volume: 826Mix: 7.35%
Place Specialization
Exceptional
5
Charleston, SCMSA
Volume: 462Mix: 4.11%
Place Specialization
Exceptional
6
Columbia, SC, SCMSA
Volume: 391Mix: 3.48%
Place Specialization
Exceptional
7
Jacksonville, FL, FLMSA
Volume: 745Mix: 6.63%
Place Specialization
Exceptional
8
Gainesville, FL, FLMSA
Volume: 141Mix: 1.25%
Place Specialization
Exceptional
9
Augusta, GA-SCMSA
Volume: 198Mix: 1.76%
Place Specialization
Exceptional
10
Arlington, VA-WVMSA
Volume: 448Mix: 3.98%
Place Specialization
Exceptional
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
GAState
Volume: 4,440Mix: 39.49%
Place Specialization
Exceptional
2
SCState
Volume: 1,480Mix: 13.16%
Place Specialization
Exceptional
3
VAState
Volume: 756Mix: 6.72%
Place Specialization
Exceptional
4
FLState
Volume: 1,655Mix: 14.72%
Place Specialization
Strong
5
ALState
Volume: 386Mix: 3.43%
Place Specialization
Strong
6
MDState
Volume: 486Mix: 4.32%
Place Specialization
Strong
7
TNState
Volume: 391Mix: 3.48%
Place Specialization
Strong
8
NCState
Volume: 549Mix: 4.88%
Place Specialization
Strong
9
CAState
Volume: 429Mix: 3.82%
Place Specialization
Strong
10
HIState
Volume: 61Mix: 0.54%
Place Specialization
Strong
Showing 10 of 23 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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