A
Ameris Bank's 11.2k closed loans and 15k applications, benchmarked against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
National · 49 mkts
Safe Rate Awards💎VA Champion⭐Conventional Superstar⭐FHA Superstar⭐USDA Superstar⭐Purchase Superstar⭐Refinance Superstar
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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
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Report Card
Ameris Bank performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +17.2 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
USDA | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 10% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 8,029 | 71.4% | +0.177%Above | $2,925Fees | ||||
FHA Loans | 1,759 | 15.6% | +0.430%Above | $2,782Fees | ||||
VA Loans | 1,061 | 9.4% | -0.383%Below | $1,753Fees | ||||
Jumbo Loans | 303 | 2.7% | +0.438%Above | $2,626Fees | ||||
USDA Loans | 92 | 0.8% | +0.154%Above | $2,630Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 10,176 | 90.5% | +0.184%Above | $2,909Fees | ||||
Refinance | 1,068 | 9.5% | +0.083%Above | $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
49
States Served
44
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Valdosta, GA, GAMSA
Volume: 201Mix: 1.79%of portfolio
Place
Exceptional2
Anniston, ALMSA
Volume: 117Mix: 1.04%of portfolio
Place
Exceptional3
Atlanta, GAMSA
Volume: 2,494Mix: 22.18%of portfolio
Place
Exceptional4
Marietta, GA, GAMSA
Volume: 826Mix: 7.35%of portfolio
Place
Exceptional5
Charleston, SCMSA
Volume: 462Mix: 4.11%of portfolio
Place
Exceptional6
Columbia, SC, SCMSA
Volume: 391Mix: 3.48%of portfolio
Place
Exceptional7
Jacksonville, FL, FLMSA
Volume: 745Mix: 6.63%of portfolio
Place
Exceptional8
Gainesville, FL, FLMSA
Volume: 141Mix: 1.25%of portfolio
Place
Exceptional9
Augusta, GA-SCMSA
Volume: 198Mix: 1.76%of portfolio
Place
Exceptional10
Arlington, VA-WVMSA
Volume: 448Mix: 3.98%of portfolio
Place
ExceptionalShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
GAState
Volume: 4,440Mix: 39.49%of portfolio
Place
Exceptional2
SCState
Volume: 1,480Mix: 13.16%of portfolio
Place
Exceptional3
VAState
Volume: 756Mix: 6.72%of portfolio
Place
Exceptional4
FLState
Volume: 1,655Mix: 14.72%of portfolio
Place
Strong5
ALState
Volume: 386Mix: 3.43%of portfolio
Place
Strong6
MDState
Volume: 486Mix: 4.32%of portfolio
Place
Strong7
TNState
Volume: 391Mix: 3.48%of portfolio
Place
Strong8
NCState
Volume: 549Mix: 4.88%of portfolio
Place
Strong9
CAState
Volume: 429Mix: 3.82%of portfolio
Place
Strong10
HIState
Volume: 61Mix: 0.54%of portfolio
Place
StrongShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.