Ameris Bank closing costs and rates (2024)
In 2024, Ameris Bank originated 10,110 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $7,399. That ranks #46 nationally by origination volume. For total closing costs among lenders with 500+ originations, Ameris Bank ranks #397. That is $658 above the national median of $6,741. Ameris Bank is most active in Georgia with 4,092 originations there.
Purchase Originations
10,110
Ranked #46 nationally
Median Total Costs
$7,399
+9.8% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$2,914
Median Lender Credits
$511
Cost Rank (500+ vol.)
#397
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 7,224 | 6.625% | $6,530 | $3,161 |
| fha | 1,781 | 6.250% | $10,917 | $2,910 |
| va | 1,010 | 6.250% | $7,778 | $1,487 |
| usda | 95 | 6.250% | $7,478 | $2,237 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 4,092 | 6.625% | $8,057 | #3 |
| Florida | 1,507 | 6.500% | $6,625 | #30 |
| South Carolina | 1,340 | 6.625% | $7,721 | #9 |
| Virginia | 708 | 6.500% | $7,651 | #27 |
| North Carolina | 482 | 6.625% | $6,557 | #51 |
| Maryland | 469 | 6.500% | $8,051 | #34 |
| Tennessee | 377 | 6.625% | $5,980 | #44 |
| Alabama | 319 | 6.490% | $6,176 | #37 |
| California | 299 | 6.625% | $6,032 | #112 |
| Illinois | 88 | 6.625% | $6,089 | #152 |
| Texas | 62 | 6.500% | $7,407 | #326 |
| Missouri | 58 | 6.625% | $3,856 | #133 |
| Hawaii | 52 | 6.125% | $10,351 | #29 |
| Oregon | 26 | 6.188% | $4,844 | — |
| District of Columbia | 25 | 6.625% | $7,807 | — |
| Utah | 24 | 6.495% | $4,256 | — |
| Wisconsin | 23 | 6.625% | $5,638 | — |
| Arkansas | 22 | 6.625% | $3,334 | — |
| Colorado | 15 | 6.250% | $5,999 | — |
| Arizona | 14 | 6.990% | $5,554 | — |
| Washington | 14 | 6.562% | $8,060 | — |
| Nevada | 11 | 6.500% | $4,762 | — |
| Pennsylvania | 10 | 6.250% | $7,196 | — |
| West Virginia | 10 | 6.558% | $6,345 | — |
| Ohio | 8 | 6.375% | $4,570 | — |
| Indiana | 7 | 6.625% | $7,082 | — |
| Kentucky | 6 | 7.058% | $5,703 | — |
| Michigan | 5 | 6.500% | $5,178 | — |
| Oklahoma | 5 | 5.750% | $6,322 | — |
| Delaware | 4 | 6.625% | $6,076 | — |
| Louisiana | 4 | 6.433% | $6,201 | — |
| Minnesota | 4 | 5.875% | $7,326 | — |
| Mississippi | 4 | 6.125% | $4,685 | — |
| New Mexico | 4 | 6.875% | $3,725 | — |
| Massachusetts | 2 | 5.938% | $24,029 | — |
| New Hampshire | 2 | 6.558% | $4,502 | — |
| Connecticut | 1 | 5.990% | $7,310 | — |
| Iowa | 1 | 6.490% | $3,146 | — |
| Idaho | 1 | 6.990% | $4,335 | — |
| Kansas | 1 | 6.625% | $5,976 | — |
| Maine | 1 | 6.625% | $4,879 | — |
| North Dakota | 1 | 6.500% | $20,096 | — |
| New Jersey | 1 | 6.625% | $5,773 | — |
| Wyoming | 1 | 7.490% | $4,064 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,865 | 5.625% | — | 441 | −$2,534 | |
| 2 | $6,143 | 6.625% | — | 120 | −$1,256 | |
| 3 | $6,187 | 6.625% | — | 112 | −$1,212 | |
| 4 | $6,356 | 6.625% | — | 133 | −$1,043 | |
| 5 | $7,481 | 6.375% | — | 111 | +$82 | |
| 6 | $7,567 | 6.625% | — | 123 | +$168 | |
| 7 | $7,607 | 6.625% | — | 170 | +$208 | |
| 8 | $7,717 | 6.433% | — | 172 | +$318 | |
| 9 | $7,736 | 6.500% | — | 379 | +$337 | |
| 10 | $7,767 | 6.625% | — | 161 | +$368 | |
| 11 | $7,883 | 6.625% | — | 723 | +$484 | |
| 12 | $7,901 | 6.500% | — | 400 | +$502 | |
| 13 | $7,956 | 6.625% | — | 197 | +$557 | |
| 14 | $8,095 | 6.250% | — | 167 | +$696 | |
| 15 | $8,125 | 6.500% | — | 134 | +$726 | |
| 16 | $8,238 | 6.625% | — | 469 | +$839 | |
| 17 | $8,534 | 6.625% | — | 192 | +$1,135 | |
| 18 | $8,652 | 6.500% | — | 108 | +$1,253 | |
| 19 | $8,670 | 6.250% | — | 179 | +$1,271 | |
| 20 | $9,029 | 6.500% | — | 108 | +$1,630 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.