Ameris Bank
13,184 mortgages originated in 2025 across 13 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 13,184
- Median rate
- 6.490%
- Median lender fees
- $6,745
- Median loan amount
- $315,000
- Median spread over APOR
- 0.106
- Paid discount points
- 43.4%
- Received lender credits
- 23.8%
- Purchases / refinances
- 79.4% / 15%
- Conventional / FHA / VA
- 75% / 15.1% / 9.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 87.6% of loans here — see methodology.
Where Ameris Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Georgia | 5,627 | $7,028 | 6.500% |
| South Carolina | 1,857 | $7,267 | 6.490% |
| Florida | 1,846 | $6,725 | 6.500% |
| Virginia | 724 | $6,638 | 6.375% |
| North Carolina | 634 | $5,977 | 6.625% |
| California | 484 | $5,180 | 6.125% |
| Maryland | 455 | $8,288 | 6.490% |
| Tennessee | 394 | $5,127 | 6.500% |
| Alabama | 363 | $6,096 | 6.250% |
| Illinois | 140 | $6,318 | 6.500% |
| Hawaii | 119 | $8,638 | 6.125% |
| Missouri | 114 | $3,625 | 6.375% |
| Texas | 58 | $7,631 | 6.188% |