Purchase Originations
8,789
Ranked #46 nationally
Median Total Costs
$7,613
+14.0% vs national ($6,680)
↑ $214 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,618
Median Lender Credits
$755
Cost Rank (500+ vol.)
#415
among lenders with 500+ originations
Denial Rate
3.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 5,760 | 6.500% | $6,374 | $2,802 |
| fha | 1,896 | 6.125% | $11,064 | $2,840 |
| va | 1,066 | 6.125% | $8,174 | $1,575 |
| usda | 67 | 6.125% | $7,229 | $2,088 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 3,538 | 6.375% | $8,101 | #3 |
| South Carolina | 1,324 | 6.375% | $8,042 | #11 |
| Florida | 1,263 | 6.375% | $7,124 | #38 |
| Virginia | 570 | 6.375% | $7,550 | #36 |
| North Carolina | 427 | 6.500% | $6,298 | #61 |
| Maryland | 343 | 6.490% | $9,262 | #42 |
| Tennessee | 311 | 6.490% | $5,540 | #54 |
| Alabama | 261 | 6.250% | $6,348 | #45 |
| California | 223 | 6.375% | $6,535 | #141 |
| Illinois | 92 | 6.625% | $7,129 | #156 |
| Hawaii | 89 | 6.250% | $8,847 | #21 |
| Missouri | 74 | 6.375% | $3,627 | #121 |
| Texas | 40 | 6.125% | $8,073 | — |
| Nevada | 31 | 6.000% | $8,189 | — |
| Arkansas | 23 | 6.490% | $3,033 | — |
| Washington | 23 | 6.125% | $7,666 | — |
| Oregon | 22 | 6.562% | $5,181 | — |
| District of Columbia | 19 | 6.490% | $10,880 | — |
| Arizona | 15 | 6.250% | $7,506 | — |
| Colorado | 14 | 6.125% | $6,694 | — |
| Utah | 13 | 5.875% | $4,639 | — |
| Ohio | 12 | 6.062% | $5,211 | — |
| Wisconsin | 8 | 6.688% | $3,322 | — |
| Minnesota | 7 | 6.490% | $4,615 | — |
| Pennsylvania | 6 | 6.433% | $7,132 | — |
| Kentucky | 5 | 6.125% | $4,780 | — |
| Kansas | 4 | 5.995% | $4,481 | — |
| Michigan | 4 | 5.750% | $3,990 | — |
| New Jersey | 4 | 6.250% | $7,859 | — |
| Idaho | 3 | 6.125% | $3,442 | — |
| Louisiana | 3 | 6.125% | $8,188 | — |
| Massachusetts | 3 | 6.625% | $6,427 | — |
| West Virginia | 3 | 6.875% | $6,495 | — |
| Delaware | 2 | 6.500% | $8,277 | — |
| Indiana | 2 | 6.870% | $18,162 | — |
| Oklahoma | 2 | 6.625% | $7,284 | — |
| Vermont | 2 | 6.312% | $10,584 | — |
| Maine | 1 | 6.125% | $11,657 | — |
| Mississippi | 1 | 6.625% | $7,217 | — |
| New Mexico | 1 | 6.250% | $12,789 | — |
| Rhode Island | 1 | 5.990% | $26,990 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,880 | 6.500% | — | 107 | −$1,733 | |
| 2 | $5,967 | 6.490% | — | 111 | −$1,646 | |
| 3 | $6,063 | 6.250% | — | 98 | −$1,550 | |
| 4 | $6,070 | 5.990% | — | 282 | −$1,543 | |
| 5 | $7,024 | 6.500% | — | 103 | −$589 | |
| 6 | $7,080 | 6.375% | — | 87 | −$533 | |
| 7 | $7,206 | 6.495% | — | 146 | −$407 | |
| 8 | $7,384 | 6.490% | — | 141 | −$229 | |
| 9 | $7,453 | 6.375% | — | 391 | −$160 | |
| 10 | $7,688 | 6.375% | — | 335 | +$75 | |
| 11 | $7,828 | 6.250% | — | 84 | +$215 | |
| 12 | $7,880 | 6.375% | — | 230 | +$267 | |
| 13 | $7,964 | 6.490% | — | 587 | +$351 | |
| 14 | $7,986 | 6.375% | — | 178 | +$373 | |
| 15 | $8,288 | 6.250% | — | 121 | +$675 | |
| 16 | $8,312 | 6.250% | — | 128 | +$699 | |
| 17 | $8,536 | 6.375% | — | 361 | +$923 | |
| 18 | $8,591 | 6.125% | — | 201 | +$978 | |
| 19 | $8,609 | 6.188% | — | 90 | +$996 | |
| 20 | $11,492 | 6.125% | — | 112 | +$3,879 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Ameris Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $7,613 | $7,127 | +$486 (+6.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.