Ameris Bank is a full-service regional lender headquartered in Atlanta, Georgia, with 164 branches across the Southeast. Active in eight states—including Georgia, Florida, and the Carolinas—it offers a range of mortgage products with competitive interest rates and a traditional in-person banking experience.
See today’s mortgage interest rates on TrueRate.
How Ameris Bank compares to other lenders
| Headquarters | Atlanta, GA |
| Website | amerisbank.com |
| Rate | 0.18% less than the median rate |
| Lender fees | $1,425 (median) |
| Savings after 1 year, compared to the median interest rate | $943 |
| Savings after 10 years, compared to the median interest rate | $6,090 |
| Added cost after 1 year (vs. Tomo Mortgage) | $1,634 |
| Added cost after 10 years (vs. Tomo Mortgage) | $5,095 |
For a $400,000 mortgage, Ameris Bank’s below-average rates and moderate fees translate to around $940 in savings during the first year and $6,090 over 10 years compared to a typical lender. But homebuyers looking for the best deal should still compare offers—low-rate, no-fee lenders like Tomo Mortgage could save you thousands more in the long run.
What customers are saying
Ameris Bank offers a broad range of mortgage options, making it a strong choice for first-time buyers and those with non-traditional credit. Borrowers appreciate flexible programs, down payment assistance, and responsive loan officers during the application process are sited on review platforms such as Reddit.
However, per third party review platforms such as Yelp, customer satisfaction drops sharply post-closing, with widespread complaints about poor customer service, slow or confusing communication, and outdated systems-especially regarding escrow and payment issues.
How to compare mortgage lenders
Interest rates. Comparing rates between lenders isn’t always straightforward. Many promote low headline rates that require paying “points” upfront to buy down the interest rate. To make a true comparison, focus on the par rate (0 points) and the APR, which reflects both the interest rate and any lender fees. Even small differences can translate into significant savings over the life of the loan.
Lender fees or loan origination fees. Many lenders charge fees that add thousands to the cost of a loan. It’s important to look at both the rate and the fees together to understand the true cost of borrowing. For a $400,000 mortgage, avoiding even a $1,000 fee could contribute to meaningful savings in the first year and over the long term.
On-time close rate. Most lenders do not publicly share their on-time close rates. However, it’s a critical factor—especially if your home contract has tight deadlines. Asking about their process for meeting close dates, including underwriting and document review timelines, can give you more confidence when choosing a lender.
Pre-approval and offer letters. Some lenders offer fast pre-qualifications that may not be fully underwritten, which can weaken your offer in competitive markets. It’s important to ask whether a lender’s pre-approvals are fully underwritten and how credible their letters are when presented with an offer.
Customer satisfaction. If detailed customer review data isn’t readily available, check third-party review sites or ask the lender for references. It’s important to understand how they handle communication, responsiveness, and issue resolution throughout the loan process.
Employee reviews. Company culture often influences how clients are treated. A lender with strong employee satisfaction typically delivers better service, more organized processing, and a smoother overall experience for borrowers.
To better understand how we compare mortgage rates fairly, see our TrueRate Methodology.
If you’re ready to start your journey to homeownership, get pre-approved with Tomo Mortgage today.