Lenders › Amerisave Mortgage Company
Amerisave Mortgage Company
HMDA reporter, headquartered in Sandy Springs, Georgia. Record for calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Figures are from the 2024 public HMDA loan/application register; cells under 25 applications are withheld.
Amerisave Mortgage Company reported 105,585 mortgage applications under the Home Mortgage Disclosure Act for 2024 in 50 states, of which 16,102 became loans it originated, for $2.3bn in total.
Its denial rate, the share of decided applications the lender denied, was 81.9%, above the national rate of 24.3% and above the Florida rate of 29.0%. 6,421 applications were withdrawn by the applicant and 8,368 files were closed for incompleteness; those are not counted in the denial rate.
The median rate spread on its originated loans, the difference between the loan's APR and the average prime offer rate, was 3.1 percentage points (national median 0.3); 54.7% of its originations had a spread of 1.5 points or more.
By loan purpose the originations were mostly cash-out refinancing (92%) and home purchase (7%); by loan type, conventional (74%) and FHA (21%).
The largest volumes were in Florida (1,223 originations), California (1,300 originations) and Georgia (956 originations).
Applications were up 15% on 2023.
Compared with Florida and the nation
| Measure | This lender | Florida, all lenders | United States |
|---|---|---|---|
| Denial rate (denied ÷ decided applications) | 81.9% | 29.0% | 24.3% |
| Median rate spread, percentage points | 3.1 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 54.7% | 16.4% | 15.6% |
| Average originated loan | $145k | $359k | $329k |
| Home purchase share of originations | 6.6% | 62.9% | 57.0% |
| FHA-insured share of originations | 20.9% | 17.7% | 13.4% |
| VA-guaranteed share of originations | 5.2% | 9.5% | 7.9% |
| Applications withdrawn by applicant | 6.1% | 15.9% | 14.3% |
Florida is the lender's largest state by applications. State and national columns cover every HMDA reporter. Rate spread is reported on originated loans only.
Trend by year
ApplicationsOriginations
This lenderFloridaUnited States
| Year | Applications | Originations | Amount | Denial rate | Median spread | LAR records |
|---|---|---|---|---|---|---|
| 2018 | — | — | — | — | — | 36,773 |
| 2019 | — | — | — | — | — | 68,908 |
| 2020 | — | — | — | — | — | 279,100 |
| 2021 | — | — | — | — | — | 488,180 |
| 2022 | 177,945 | 43,995 | $13bn | 54.0% | 0.3 | 195,894 |
| 2023 | 92,079 | 14,489 | $3.7bn | 59.7% | 0.3 | 96,779 |
| 2024 | 105,585 | 16,102 | $2.3bn | 81.9% | 3.1 | 107,775 |
Applications, originations and rates are computed from the public LAR for 2022, 2023, 2024; LAR record counts come from each year's transmittal sheet.
Loan purpose and loan type
By purpose
Home purchase 7% (1,068)Refinancing 2% (292)Cash-out refinancing 92% (14,742)
By type
Conventional 74% (11,903)FHA 21% (3,362)VA 5% (837)
| Loan type | Applications | Originations | Denied | Denial rate (of applications) |
|---|---|---|---|---|
| Conventional | 70,026 | 11,903 | 48,475 | 69.2% |
| FHA-insured | 29,074 | 3,362 | 21,333 | 73.4% |
| VA-guaranteed | 6,470 | 837 | 4,575 | 70.7% |
| USDA Rural Housing Service or Farm Service Agency guaranteed | 15 | 0 | 5 | — |
Shares are of originated loans. The per-type denial rate here divides denials by all applications of that type, because decided counts are not kept per type.
Action taken
| HMDA action taken | Records | Share |
|---|---|---|
| 1 Loan originated | 16,102 | 14.9% |
| 2 Application approved but not accepted | 306 | 0.3% |
| 3 Application denied | 74,388 | 69.0% |
| 4 Application withdrawn by applicant | 6,421 | 6.0% |
| 5 File closed for incompleteness | 8,368 | 7.8% |
| 6 Purchased loan | 28 | 0.0% |
| 7 Preapproval request denied | 1,309 | 1.2% |
| 8 Preapproval request approved but not accepted | 853 | 0.8% |
Codes and labels are the HMDA action-taken codes. Applications are codes 1–5; the denial rate divides code 3 by codes 1–3.
Denial reasons as coded
Share of the lender's 74,388 denials by the first denial reason it coded (outlined bar: all lenders nationally). Lenders may record up to four reasons; only the first is counted here.
States
| State | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|
| Florida | 9,425 | 1,223 | $203m | 84.5% | 2.1 |
| California | 9,299 | 1,300 | $207m | 83.5% | 3.7 |
| Georgia | 6,457 | 956 | $132m | 82.5% | 3.3 |
| North Carolina | 5,106 | 851 | $128m | 80.3% | 1.5 |
| Pennsylvania | 3,954 | 577 | $72m | 82.4% | 1.3 |
| Ohio | 3,874 | 568 | $69m | 82.8% | 1.4 |
| Illinois | 3,845 | 521 | $64m | 83.6% | 1.7 |
| New Jersey | 3,751 | 561 | $93m | 82.7% | 3.3 |
| Tennessee | 3,490 | 571 | $89m | 80.8% | 1.4 |
| Virginia | 3,443 | 593 | $91m | 79.3% | 3.4 |
| Michigan | 3,298 | 464 | $54m | 83.4% | 1.6 |
| Texas | 3,026 | 351 | $96m | 86.1% | 0.6 |
| Indiana | 2,973 | 562 | $67m | 77.3% | 1.6 |
| Arizona | 2,743 | 492 | $70m | 78.9% | 3.6 |
| South Carolina | 2,639 | 460 | $61m | 79.7% | 3.2 |
| Missouri | 2,634 | 446 | $51m | 79.7% | 3.2 |
| Alabama | 2,366 | 314 | $38m | 84.2% | 1.4 |
| Maryland | 2,309 | 381 | $54m | 80.4% | 3.7 |
| Washington | 2,238 | 344 | $56m | 81.4% | 3.8 |
| Massachusetts | 2,191 | 304 | $56m | 83.4% | 3.5 |
| Kentucky | 1,892 | 373 | $53m | 76.7% | 1.1 |
| Nevada | 1,642 | 328 | $40m | 76.5% | 4.1 |
| Colorado | 1,524 | 259 | $43m | 80.0% | 3.6 |
| Louisiana | 1,508 | 165 | $18m | 87.6% | 1.2 |
| Wisconsin | 1,374 | 201 | $25m | 83.1% | 3.2 |
| Arkansas | 1,349 | 215 | $25m | 81.1% | 1.5 |
| Oregon | 1,292 | 200 | $30m | 82.0% | 3.8 |
| Mississippi | 1,279 | 160 | $20m | 85.0% | 1.2 |
| Connecticut | 1,268 | 207 | $31m | 81.1% | 3.7 |
| Oklahoma | 1,174 | 167 | $20m | 83.4% | 1.4 |
| Utah | 1,039 | 179 | $27m | 79.6% | 3.9 |
| Kansas | 983 | 176 | $22m | 79.4% | 1.9 |
| New Mexico | 982 | 179 | $23m | 77.7% | 2.8 |
| West Virginia | 979 | 181 | $20m | 78.9% | 1.3 |
| Minnesota | 889 | 115 | $25m | 83.7% | 0.6 |
| Iowa | 850 | 107 | $12m | 85.0% | 1.3 |
| Delaware | 735 | 136 | $16m | 77.8% | 3.9 |
| Idaho | 729 | 126 | $14m | 79.5% | 4.0 |
| New Hampshire | 694 | 115 | $20m | 80.0% | 3.0 |
| Nebraska | 664 | 87 | $9.5m | 84.5% | 3.1 |
| Maine | 662 | 103 | $15m | 81.8% | 1.1 |
| Rhode Island | 556 | 95 | $13m | 79.8% | 3.8 |
| Hawaii | 523 | 58 | $10m | 87.0% | 3.9 |
| Montana | 491 | 86 | $13m | 79.5% | 3.7 |
| Alaska | 330 | 77 | $11m | 71.9% | 4.3 |
| Vermont | 293 | 32 | $4.5m | 86.4% | 1.2 |
| South Dakota | 251 | 33 | $5.3m | 84.2% | 3.8 |
| Wyoming | 229 | 57 | $7.3m | 70.8% | 4.0 |
| District of Columbia | 209 | 28 | $4.8m | 84.0% | — |
| North Dakota | 134 | 18 | $2.3m | 83.6% | — |
States with at least 25 applications. States with 100 or more link to the lender's page for that state.
Counties
| County | State | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|---|
| Maricopa County | AZ | 1,476 | 277 | $39m | 78.1% |
| Clark County | NV | 1,197 | 230 | $27m | 77.6% |
| Los Angeles County | CA | 1,710 | 199 | $36m | 86.3% |
| Cook County | IL | 1,547 | 157 | $22m | 87.6% |
| Riverside County | CA | 966 | 123 | $20m | 84.7% |
| San Bernardino County | CA | 777 | 123 | $17m | 81.6% |
| San Diego County | CA | 721 | 108 | $19m | 82.2% |
| Gwinnett County | GA | 608 | 94 | $14m | 81.9% |
| Marion County | IN | 450 | 91 | $9.8m | 75.9% |
| Mecklenburg County | NC | 537 | 88 | $15m | 79.8% |
| Sacramento County | CA | 464 | 86 | $11m | 78.5% |
| Broward County | FL | 846 | 85 | $15m | 88.1% |
| Orange County | FL | 478 | 79 | $13m | 80.8% |
| Hillsborough County | FL | 539 | 77 | $14m | 83.2% |
| Palm Beach County | FL | 650 | 74 | $12m | 86.4% |
| Prince George's County | MD | 480 | 74 | $14m | 82.3% |
| Jefferson County | KY | 337 | 74 | $12m | 73.2% |
| Wake County | NC | 490 | 72 | $13m | 82.5% |
| Pierce County | WA | 324 | 72 | $11m | 74.0% |
| Fresno County | CA | 299 | 68 | $7.8m | 74.4% |
| Miami-Dade County | FL | 714 | 66 | $14m | 88.9% |
| Fulton County | GA | 552 | 66 | $12m | 86.3% |
| Pima County | AZ | 378 | 66 | $9.7m | 79.9% |
| Wayne County | MI | 675 | 65 | $7.1m | 88.7% |
| New Castle County | DE | 374 | 65 | $7.9m | 78.9% |
| Cobb County | GA | 441 | 63 | $7.9m | 83.3% |
| Franklin County | OH | 413 | 61 | $8.0m | 83.1% |
| Baltimore County | MD | 304 | 60 | $7.3m | 76.4% |
| Salt Lake County | UT | 330 | 59 | $9.1m | 78.8% |
| Ocean County | NJ | 354 | 58 | $10m | 80.5% |
Up to 30 counties with at least 50 applications, by originations.
Questions and answers
How many mortgages did Amerisave Mortgage Company originate in 2024?
16,102 loans totalling $2.3bn, from 105,585 applications reported under HMDA. It also purchased 28 loans from other institutions, which are counted separately.
What is Amerisave Mortgage Company's denial rate and how does it compare?
81.9% of decided applications were denied in 2024, against 24.3% nationally and 29.0% in Florida. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws; the data do not include some legitimate credit risk considerations.
Which counties does Amerisave Mortgage Company lend in most?
By originations: Maricopa County, AZ (277), Clark County, NV (230), Los Angeles County, CA (199), Cook County, IL (157) and Riverside County, CA (123).
What loan types does Amerisave Mortgage Company make?
Conventional 11,903, FHA 3,362, VA 837 and USDA 0 originations in 2024; by purpose, home purchase 1,068, home improvement 0, refinancing 292, cash-out refinancing 14,742 and other purpose 0.
What reasons did Amerisave Mortgage Company report for denials?
The first denial reason recorded most often was credit application incomplete (52,592), credit history (6,872) and debt-to-income ratio (6,434), as coded by the lender in its HMDA filing.
Where does this data come from?
From the 2024 public HMDA loan/application register published by the FFIEC and CFPB, with the lender's name from its HMDA transmittal sheet. Cells under 25 applications are withheld.
Provenance
Source: Home Mortgage Disclosure Act public loan/application register for 2024 (trend years 2022, 2023, 2024) and transmittal sheets 2018–2024, published by the FFIEC and CFPB at ffiec.cfpb.gov, public domain. Lender identity is the LEI and name on its transmittal sheet. This site was built 1 Oct 2026. Errors in processing are corrected at the next build; see corrections. Data through 1 Aug 2026.