AAA Capital Investment
We analyzed every closed loan from AAA Capital Investment — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Near-National · 19 mkts
Awards
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
AAA Capital Investment performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+37.9 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 20 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,092 | 92.7% | +0.368%Above | $2,944Fees | ||||
Jumbo Loans | 74 | 6.3% | +0.685%Above | $2,122Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,092
Mix92.7%
Spread
+0.368%Above
Fees
$2,944Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume74
Mix6.3%
Spread
+0.685%Above
Fees
$2,122Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,021 | 86.7% | +0.405%Above | $3,214Fees | ||||
Refinance | 157 | 13.3% | +0.191%Above | $729Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,021
Mix86.7%
Spread
+0.405%Above
Fees
$3,214Fees
Refinance
OverallStrong
ProductSound
PricingSound
Pull ThroughStrong
Volume157
Mix13.3%
Spread
+0.191%Above
Fees
$729Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,178
Applications
1,600
Volume
$653 million
Pricing & Closing
Avg Rate Spread
+0.379%
vs. market APOR
Avg Net Fees
$2,906
Origination − Credits
Pullthrough Rate
73.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$554,329
Avg Borrower Income
$268,809
Avg Property Value
$902,075
Geographic Coverage
Geographic Performance
Metro Areas
19
markets with activity
States Served
27
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
27Northeast2
NJPA
Midwest6
ILINKSMINEOH
South10
FLGAMDNCOKSCTNTXVAWV
West9
AZCACOHINMNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 348Mix 29.54% of portfolio
81/100
Exceptional
Volume 173Mix 14.69% of portfolio
72/100
Strong
Volume 102Mix 8.66% of portfolio
71/100
Strong
Volume 43Mix 3.65% of portfolio
58/100
Sound
Volume 49Mix 4.16% of portfolio
56/100
Sound
Volume 37Mix 3.14% of portfolio
53/100
Sound
Volume 19Mix 1.61% of portfolio
51/100
Sound
Volume 16Mix 1.36% of portfolio
50/100
Sound
Volume 21Mix 1.78% of portfolio
49/100
Sound
Volume 21Mix 1.78% of portfolio
48/100
SoundShowing 10 of 19 metro areas
Top States by Place Specialization Score
1
CaliforniaState
Volume 749Mix 63.58% of portfolio
78/100
Strong2
NevadaState
Volume 45Mix 3.82% of portfolio
57/100
Sound3
GeorgiaState
Volume 63Mix 5.35% of portfolio
56/100
Sound4
TexasState
Volume 93Mix 7.89% of portfolio
56/100
Sound5
IllinoisState
Volume 25Mix 2.12% of portfolio
46/100
Sound6
MarylandState
Volume 20Mix 1.70% of portfolio
45/100
Sound7
WashingtonState
Volume 19Mix 1.61% of portfolio
44/100
Sound8
FloridaState
Volume 33Mix 2.80% of portfolio
44/100
Sound9
ColoradoState
Volume 18Mix 1.53% of portfolio
43/100
Sound10
VirginiaState
Volume 18Mix 1.53% of portfolio
43/100
SoundShowing 10 of 12 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.