Lenders › Amerisave Mortgage Company › California
Amerisave Mortgage Company in California
HMDA record for properties in California, calendar year 2024. National record · California overview
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. Cells under 25 applications are withheld.
In California, Amerisave Mortgage Company reported 9,299 applications and 1,300 originations for 2024, $207m in all.
Its denial rate in the state was 83.5%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 81.9%.
The median rate spread on its California originations was 3.7 percentage points (state median 0.4).
Applications in the state were up 44% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Amerisave Mortgage Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 83.5% | 24.8% | 81.9% | 24.3% |
| Median rate spread, pp | 3.7 | 0.4 | 3.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 73.9% | 19.9% | 54.7% | 15.6% |
| Average originated loan | $159k | $566k | $145k | $329k |
| Home purchase share | 3.5% | 51.2% | 6.6% | 57.0% |
| FHA-insured share | 7.4% | 11.4% | 20.9% | 13.4% |
| VA-guaranteed share | 3.0% | 4.8% | 5.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 3% (45)Refinancing 1% (17)Cash-out refinancing 95% (1,238)
By type
Conventional 90% (1,165)FHA 7% (96)VA 3% (39)
Denial reasons as coded
Share of 6,716 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,710 | 199 | $36m | 86.3% |
| Riverside County | 966 | 123 | $20m | 84.7% |
| San Bernardino County | 777 | 123 | $17m | 81.6% |
| San Diego County | 721 | 108 | $19m | 82.2% |
| Sacramento County | 464 | 86 | $11m | 78.5% |
| Fresno County | 299 | 68 | $7.8m | 74.4% |
| Contra Costa County | 317 | 57 | $7.9m | 79.1% |
| San Joaquin County | 303 | 48 | $7.2m | 82.0% |
| Orange County | 482 | 47 | $11m | 88.7% |
| Santa Clara County | 290 | 46 | $12m | 81.5% |
| Kern County | 298 | 37 | $3.0m | 85.2% |
| Alameda County | 288 | 29 | $7.8m | 88.4% |
| Stanislaus County | 182 | 29 | $3.3m | 81.5% |
| Tulare County | 132 | 26 | $3.3m | 77.4% |
| Placer County | 137 | 25 | $3.3m | 78.8% |
| Solano County | 164 | 20 | $3.1m | 85.8% |
| Ventura County | 202 | 19 | $3.2m | 88.3% |
| Merced County | 91 | 17 | $2.0m | 79.3% |
| Sonoma County | 106 | 15 | $1.9m | 81.9% |
| Shasta County | 79 | 12 | $1.8m | 81.8% |
| El Dorado County | 82 | 11 | $1.0m | 83.8% |
| Butte County | 50 | 11 | $1.8m | 72.7% |
| Monterey County | 98 | 10 | $920k | 88.4% |
| San Mateo County | 89 | 10 | $1.8m | 87.0% |
| Santa Barbara County | 78 | 9 | $1.1m | 85.9% |
| Sutter County | 27 | 9 | $805k | — |
| Madera County | 62 | 8 | $1.2m | 84.0% |
| Kings County | 56 | 8 | $1.2m | 83.3% |
| Lake County | 43 | 7 | $1.1m | 81.1% |
| San Luis Obispo County | 59 | 6 | $530k | 87.8% |
| Nevada County | 33 | 6 | $1.2m | 80.6% |
| Napa County | 31 | 6 | $1.3m | 75.9% |
| Yuba County | 46 | 5 | $1.1m | 86.5% |
| Imperial County | 27 | 5 | $565k | — |
| San Francisco County | 75 | 4 | $820k | 93.8% |
| Humboldt County | 51 | 4 | $320k | 91.1% |
| Tehama County | 31 | 4 | $660k | — |
| San Benito County | 27 | 4 | $850k | 84.6% |
| Yolo County | 40 | 3 | $875k | 90.9% |
| Santa Cruz County | 74 | 1 | $255k | 95.2% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Amerisave Mortgage Company originate in California in 2024?
1,300 loans totalling $207m, from 9,299 applications reported for properties in California.
What is Amerisave Mortgage Company's denial rate in California?
83.5% of decided applications in California were denied, against 24.8% for all lenders in the state and 81.9% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Amerisave Mortgage Company lend in most?
By originations: Los Angeles County (199), Riverside County (123), San Bernardino County (123), San Diego County (108), Sacramento County (86).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.