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AAA Capital Investment, Inc

Arcadia, CA

AAA Capital Investment, Inc processed 2,473 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 1,768 loans with a 3.0% denial rate. Home Purchase was the primary loan purpose. Based in Arcadia, CA. The approval rate of 71.5% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. AAA Capital Investment, Inc's 71.5% origination rate tells you how often an application turned into funded money; the 3.0% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Collateral, Debt-to-income ratio, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (2,442 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

2,473
Applications
1,768
Originated
3.0%
Denial Rate
$517,503
Avg Loan Amount
Avg Interest Rate: 7.076% Avg Applicant Income: $39,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 2,442 1,756 69 $517,719
FHA 23 7 4 $450,652
VA 8 5 0 $643,750

Top loan types - AAA Capital Investment, Inc

Top loan types - AAA Capital Investment, Inc Horizontal bar chart of the top 3 items by value (applications). Top loan types - AAA Capital Investment, Inc Top 3 1. Conventional 2,442 2. FHA 23 3. VA 8 Top 5 loan types by application volume at AAA Capital Investment, Inc (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for AAA Capital Investment, Inc (LEI: 254900IEGKUDRDS23V26) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Collateral
44
Debt-to-income ratio
11
Credit history
11
Employment history
7
Unverifiable information
5
Insufficient cash
4
Credit application incomplete
3

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 2,187 1,549 $511,141
Refinancing 159 126 $632,044
Cash-out Refinancing 127 93 $483,661

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
Asian 1,755 74.9% 1.8%
White 310 59.0% 7.7%
Black or African American * 45 46.7% 11.1%
Joint * 20 85.0% 0.0%
American Indian or Alaska Native * 9 66.7% 0.0%
Native Hawaiian or Other Pacific Islander * 2 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 2,347 71.8% 2.8%
Hispanic or Latino 62 64.5% 6.5%

Nearby Lenders in CA

Other HMDA-reporting lenders in CA with similar activity. Compare any two side-by-side.

Pennymac Loan Services LLC

WESTLAKE VILLAGE, CA

384,816 apps 67,294 originated 4.7% denied

Bank of America NA

Westlake Village, CA

233,637 apps 83,165 originated 34.6% denied

AmeriHome Mortgage Company, LLC

Thousand Oaks, CA

149,937 apps 6,250 originated 0.8% denied

Loandepot.Com, LLC

IRVINE, CA

142,924 apps 79,418 originated 23.3% denied

New American Funding, LLC.

TUSTIN, CA

118,479 apps 48,639 originated 11.1% denied
Compare AAA Capital Investment, Inc vs Pennymac Loan Services LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did AAA Capital Investment, Inc process?
AAA Capital Investment, Inc processed 2,473 mortgage applications in the 2024 HMDA reporting year. Of these, 1,768 were originated (approved and funded), 632 were withdrawn by the applicant, and 73 were denied.
What is AAA Capital Investment, Inc's mortgage approval rate?
AAA Capital Investment, Inc has an approval (origination) rate of 71.5%, meaning 71.5% of all applications resulted in a funded mortgage. The denial rate is 3.0%.
What is the average loan amount at AAA Capital Investment, Inc?
The average mortgage loan amount at AAA Capital Investment, Inc is $517,503. The average interest rate is 7.076%. The average applicant income is $39,000.
What are the most common reasons for mortgage denial at AAA Capital Investment, Inc?
The most common reasons for mortgage denial at AAA Capital Investment, Inc are: Collateral, Debt-to-income ratio, Credit history. In total, 73 applications were denied out of 2,473 total applications.
What types of mortgage loans does AAA Capital Investment, Inc offer?
AAA Capital Investment, Inc processes Conventional, FHA, VA loans. The most common type is Conventional with 2,442 applications and an average loan amount of $517,719.
What loan purposes does AAA Capital Investment, Inc serve?
AAA Capital Investment, Inc serves the following loan purposes: Home Purchase (2,187 applications), Refinancing (159 applications), Cash-out Refinancing (127 applications). Home Purchase is the most common purpose.
Where is AAA Capital Investment, Inc located?
AAA Capital Investment, Inc is headquartered in Arcadia, CA. The lender is identified by LEI 254900IEGKUDRDS23V26 in HMDA data.
How does AAA Capital Investment, Inc compare in lending across racial demographics?
AAA Capital Investment, Inc reports demographic lending data under HMDA requirements. Asian applicants have an approval rate of 74.9% and denial rate of 1.8%; White applicants have an approval rate of 59.0% and denial rate of 7.7%; Black or African American applicants have an approval rate of 46.7% and denial rate of 11.1%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.