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AAA CAPITAL INVESTMENT, INC.
Independent Mortgage Company|ALHAMBRA, CA|Near-National
Loans Originated
1,178
Applications
1,600
Volume
$653 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.379%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,906
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.6%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
AAA CAPITAL INVESTMENT, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 20 metro areas · 27 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$554,329
Average Borrower Income
$268,809
Average Property Value
$902,075
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Sound | 1,092 | 92.7% | +0.368% | $2,944 |
Jumbo Loans | Sound | Strong | Mediocre | Strong | 74 | 6.3% | +0.685% | $2,122 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Sound | 1,021 | 86.7% | +0.405% | $3,214 |
Refinance | Sound | Sound | Sound | Strong | 157 | 13.3% | +0.191% | $729 |
Geographic Coverage
Metro Areas
19
States Served
27
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACOFLGAHIILINKSMDMINCNENJNMNVOHOKORPASCTNTXUTVAWAWV
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 348Mix: 29.54%
Place Specialization
Exceptional
2
Riverside, CAMSA
Volume: 173Mix: 14.69%
Place Specialization
Strong
3
Anaheim, CAMSA
Volume: 102Mix: 8.66%
Place Specialization
Strong
4
Las Vegas, NVMSA
Volume: 43Mix: 3.65%
Place Specialization
Sound
5
Dallas, TXMSA
Volume: 49Mix: 4.16%
Place Specialization
Sound
6
Atlanta, GAMSA
Volume: 37Mix: 3.14%
Place Specialization
Sound
7
San Francisco, CAMSA
Volume: 19Mix: 1.61%
Place Specialization
Sound
8
Savannah, GA, GAMSA
Volume: 16Mix: 1.36%
Place Specialization
Sound
9
Oakland, CAMSA
Volume: 21Mix: 1.78%
Place Specialization
Sound
10
San Diego, CAMSA
Volume: 21Mix: 1.78%
Place Specialization
Sound
Showing 10 of 19 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 749Mix: 63.58%
Place Specialization
Strong
2
NVState
Volume: 45Mix: 3.82%
Place Specialization
Sound
3
GAState
Volume: 63Mix: 5.35%
Place Specialization
Sound
4
TXState
Volume: 93Mix: 7.89%
Place Specialization
Sound
5
ILState
Volume: 25Mix: 2.12%
Place Specialization
Sound
6
MDState
Volume: 20Mix: 1.70%
Place Specialization
Sound
7
WAState
Volume: 19Mix: 1.61%
Place Specialization
Sound
8
FLState
Volume: 33Mix: 2.80%
Place Specialization
Sound
9
COState
Volume: 18Mix: 1.53%
Place Specialization
Sound
10
VAState
Volume: 18Mix: 1.53%
Place Specialization
Sound
Showing 10 of 12 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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