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 score and performance metrics.

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 an overall pricing score of 42.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Ameris Bank?

Ameris Bank is a Bank headquartered in Atlanta, GA.

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Ameris Bank

Bank•Atlanta, GAHQ•Direct•Reviews near you on Google

Ameris Bank's 11.2k closed loans and 15k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

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

Explore another lender or local market

Report Card

Ameris Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+17.2 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Exceptional

Top 20% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 10% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

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%Above	$2,925Fees
FHA Loans	Strong	Exceptional	Sound	Strong	1,759	15.6%	+0.430%Above	$2,782Fees
VA Loans	Strong	Exceptional	Strong	Exceptional	1,061	9.4%	-0.383%Below	$1,753Fees
Jumbo Loans	Strong	Exceptional	Acceptable	Strong	303	2.7%	+0.438%Above	$2,626Fees
USDA Loans	Strong	Exceptional	Sound	Strong	92	0.8%	+0.154%Above	$2,630Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume8,029

Mix71.4%

Spread

+0.177%Above

Fees

$2,925Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume1,759

Mix15.6%

Spread

+0.430%Above

Fees

$2,782Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Exceptional

Volume1,061

Mix9.4%

Spread

-0.383%Below

Fees

$1,753Fees

Jumbo Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume303

Mix2.7%

Spread

+0.438%Above

Fees

$2,626Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume92

Mix0.8%

Spread

+0.154%Above

Fees

$2,630Fees

Loan Purpose Performance

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%Above	$2,909Fees
Refinance	Strong	Exceptional	Sound	Strong	1,068	9.5%	+0.083%Above	$1,979Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume10,176

Mix90.5%

Spread

+0.184%Above

Fees

$2,909Fees

Refinance

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume1,068

Mix9.5%

Spread

+0.083%Above

Fees

$1,979Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

11,244

Applications

15,121

Volume

$4 billion

Pricing & Closing

Avg Rate Spread

+0.172%

vs. market APOR

Avg Net Fees

$2,801

Origination − Credits

Pullthrough Rate

74.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$397,153

Avg Borrower Income

$160,757

Avg Property Value

$524,427

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast6

CTMEMANHNJPA

Midwest10

IAILINKSMIMNMONDOHWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West11

AZCACOHIIDNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Ebyabe · CC BY-SA 2.5

Valdosta, GAMetro

Volume 201Mix 1.79% of portfolio

100/100

Exceptional

2© Rivers Langley; SaveRivers · CC BY-SA 3.0

Anniston, ALMetro

Volume 117Mix 1.04% of portfolio

100/100

Exceptional

3© Warren LeMay from Cincinnati, OH, United States · CC0

Atlanta, GAMetro

Volume 2,494Mix 22.18% of portfolio

98/100

Exceptional

Marietta, GAMetro

Volume 826Mix 7.35% of portfolio

97/100

Exceptional

Charleston, SCMetro

Volume 462Mix 4.11% of portfolio

93/100

Exceptional

Columbia, SCMetro

Volume 391Mix 3.48% of portfolio

90/100

Exceptional

Jacksonville, FLMetro

Volume 745Mix 6.63% of portfolio

90/100

Exceptional

Gainesville, FLMetro

Volume 141Mix 1.25% of portfolio

86/100

Exceptional

Augusta, GA-SCMetro

Volume 198Mix 1.76% of portfolio

84/100

Exceptional

Arlington, VA-WVMetro

Volume 448Mix 3.98% of portfolio

80/100

Exceptional

Showing 10 of 49 metro areas

Top States by Place Specialization Score

GeorgiaState

Volume 4,440Mix 39.49% of portfolio

97/100

Exceptional

South CarolinaState

Volume 1,480Mix 13.16% of portfolio

92/100

Exceptional

VirginiaState

Volume 756Mix 6.72% of portfolio

81/100

Exceptional

FloridaState

Volume 1,655Mix 14.72% of portfolio

79/100

Strong

AlabamaState

Volume 386Mix 3.43% of portfolio

77/100

Strong

MarylandState

Volume 486Mix 4.32% of portfolio

76/100

Strong

TennesseeState

Volume 391Mix 3.48% of portfolio

73/100

Strong

North CarolinaState

Volume 549Mix 4.88% of portfolio

71/100

Strong

CaliforniaState

Volume 429Mix 3.82% of portfolio

65/100

Strong

HawaiiState

Volume 61Mix 0.54% of portfolio

62/100

Strong

Showing 10 of 23 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.