Where can I get in? (math grad school)

i finished my undergrad this last june, i had applied to grad schools in december of my senior year like you're supposed to, but didn't get in anywhere (which i'm partially blaming on the economy).

i've been trying to find a job as an actuary, passed an actuary exam, looking to take another one, but finding a job is still hard as shit.

anyway, this doesn't matter, i dont want to be an actuary, i wanna be a grad student. help me figure out where i have a reasonable shot of getting accepted in the current situation with school budgets (not as bad a last year since they got hit at admission selection time).

school: low-mid level UC school (University of California)
GPA: 3.0
major GPA: 3.3
major: math (pure concentration)
GRE: 500 verb, 800 quant
math GRE: 620

we're on the quarter system, i took 20 undergrad math classes (100 credits) and 5 graduate classes (25 credits), graduated in 4 years. did well in the grad classes, B/B+'s with one A-. also wrote a thesis.

i know i'm not going to princeton or harvard, but i want to find the place where i can write the best phd thesis i can possibly do under the circumstances.

any personal experiences or lesser known places with great faculty are appreciated

>>2
According to the practice book I have, 620 is 46th percentile.

I'm in a few second-year grad classes at my university (which is *not* a "top" school by any means) and everything is extremely laid back.  Homework is almost optional, and due just "whenever", and grading is pretty lenient.  The idea, I guess, is that once you're at that level grades are basically irrelevant and everyone's just there to learn.  It's probably all very dependent on which school you're in and who your instructor is.

>>5
They do.  OTOH the undergrad programs in america suck balls, which is why half the people on this page are from asia:

http://math.harvard.edu/people/graduate.html

>>6
Yeah, for some dumbass reason, american schools think mathematicians need training in things like art history or feminism.

>>7
At a good school, maybe up through the math stuff on Part IB on the Cambridge tripos, with a bit of the stuff from Part II possibly (but absolutely none of the physics/mechanics stuff).