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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
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
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
8,029 loans · 0.18% above market
Exceptional
Top 20% of lenders
5/5
FHA
1,759 loans · 0.43% above market
Exceptional
Top 20% of lenders
5/5
VA
1,061 loans · 0.38% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
303 loans · 0.44% above market
Exceptional
Top 20% of lenders
5/5
USDA
92 loans · 0.15% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
10,176 loans · 0.18% above market
Exceptional
Top 10% of lenders
5/5
Refinance
1,068 loans · 0.08% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
4/5
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 |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume8,029
Mix71.4%
Spread
+0.177%Above
Fees
$2,925Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,759
Mix15.6%
Spread
+0.430%Above
Fees
$2,782Fees
VA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume1,061
Mix9.4%
Spread
-0.383%Below
Fees
$1,753Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume303
Mix2.7%
Spread
+0.438%Above
Fees
$2,626Fees
USDA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
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 | 10,176 | 90.5% | +0.184%Above | $2,909Fees | ||||
Refinance | 1,068 | 9.5% | +0.083%Above | $1,979Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume10,176
Mix90.5%
Spread
+0.184%Above
Fees
$2,909Fees
Refinance
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
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
49
markets with activity
States Served
44
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
44Full-year 2024 · HMDALoans originated
< 2020–5050–100100–500500+None
Northeast6
CTMEMANHNJPA
Midwest10
IAILINKSMIMNMONDOHWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West11
AZCACOHIIDNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 23 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.