Ameritrust Mortgage in California vs the state
3.4%Denial rate-14.04 pts vs state
6.0%Decision denial rate-16.45 pts vs state
53.3%Origination rate-2.92 pts vs state
6.99%Median rate+0.37 pts vs state
0.67Rate spread (pts)+0.40 pts vs state
$186kMedian applicant income
1,372Loans originated
87Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 504 | 265 | 4.0% | 7.63% | #224 |
| 2024 | 1,589 | 936 | 2.0% | 7.13% | #110 |
| 2025 | 2,575 | 1,372 | 3.4% | 6.99% | #77 |
What Ameritrust Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Ameritrust Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 834 | 405 | 39 | 4.7% |
| San Bernardino County | 297 | 158 | 6 | 2.0% |
| Riverside County | 276 | 152 | 7 | 2.5% |
| Orange County | 180 | 101 | 4 | 2.2% |
| Contra Costa County | 158 | 89 | 5 | 3.2% |
| Alameda County | 132 | 88 | 4 | 3.0% |
| San Joaquin County | 115 | 71 | 1 | 0.9% |
| Kern County | 78 | 45 | 4 | 5.1% |
| San Diego County | 76 | 32 | 5 | 6.6% |
| Tulare County | 61 | 36 | 2 | 3.3% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,575 applications in 2025, of which 1,372 were originated and 87 denied.
3.4% of all applications, or 6.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Ameritrust Mortgage originated in California in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Ameritrust Mortgage's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology