AAA Capital Investment at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
59th3.6% deniedPricingmedian rate spread over APOR, weight 30%
83rd0.45 ptsProcesswithdrawn + incomplete share, weight 15%
87th0.0%Closing coststotal loan costs ÷ loan amount, weight 10%
74th2.03% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 784 | 465 | 2.4% | 3.9% | 7.25% | $252M |
| 2024 | 2,473 | 1,768 | 3.0% | 4.0% | 6.88% | $884M |
| 2025 | 3,361 | 2,360 | 3.6% | 3.6% | 6.75% | $1.2B |
What AAA Capital Investment lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 1,739 investment properties.
Why AAA Capital Investment denies applications
Primary reason reported for each of the 120 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at AAA Capital Investment
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 873 | 580 | 4.5% |
| $50k – $100k | 301 | 219 | 5.0% |
| $100k – $150k | 375 | 286 | 3.7% |
| $150k – $250k | 549 | 421 | 1.6% |
| Over $250k | 594 | 439 | 2.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 54 | 35 | 0.0% |
| 25–34 | 451 | 324 | 3.6% |
| 35–44 | 1,019 | 725 | 3.6% |
| 45–54 | 879 | 617 | 3.5% |
| 55–64 | 648 | 448 | 3.7% |
| 65–74 | 221 | 161 | 2.3% |
| Over 74 | 89 | 50 | 7.9% |
Where AAA Capital Investment lends
43 states and 369 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 1,576 | 1,161 | 3.1% | 6.75% | #126 |
| Texas | 254 | 181 | 1.6% | 6.63% | #371 |
| Nevada | 236 | 182 | 3.0% | 6.75% | #96 |
| Florida | 201 | 126 | 3.0% | 6.88% | #365 |
| Georgia | 117 | 80 | 3.4% | 6.88% | #315 |
| Washington | 99 | 60 | 3.0% | 6.81% | #240 |
| Maryland | 91 | 62 | 4.4% | 6.69% | #243 |
| Virginia | 87 | 70 | 2.3% | 6.75% | #304 |
| Hawaii | 73 | 44 | 9.6% | 6.88% | #71 |
| Arizona | 71 | 52 | 2.8% | 6.88% | #273 |
| Pennsylvania | 56 | 29 | 1.8% | 6.88% | #478 |
| North Carolina | 45 | 28 | 6.7% | 6.81% | #417 |
| Oregon | 43 | 28 | 11.6% | 6.88% | #243 |
| Illinois | 40 | 18 | 5.0% | 7.13% | #488 |
| New York | 40 | 23 | 10.0% | 6.63% | #355 |
| Colorado | 32 | 26 | 0.0% | 6.75% | #360 |
| Massachusetts | 31 | 26 | 0.0% | 6.75% | #375 |
| Oklahoma | 30 | 20 | 3.3% | 6.63% | #304 |
| Ohio | 28 | 16 | 7.1% | 6.94% | #478 |
| Indiana | 20 | 11 | 10.0% | 6.88% | #459 |
| Louisiana | 18 | 11 | 0.0% | 6.50% | #323 |
| Tennessee | 18 | 16 | 0.0% | 6.75% | #553 |
| New Jersey | 17 | 9 | 11.8% | 6.50% | #471 |
| South Carolina | 17 | 11 | 11.8% | 6.88% | #476 |
| Michigan | 16 | 9 | 0.0% | 7.38% | #469 |
| Kansas | 13 | 10 | 7.7% | 6.94% | #340 |
| Minnesota | 12 | 3 | 8.3% | 6.63% | #438 |
| Missouri | 12 | 3 | 16.7% | 6.50% | #488 |
| Wisconsin | 11 | 6 | 18.2% | 6.56% | #480 |
| District of Columbia | 9 | 8 | 0.0% | 7.06% | #187 |
| Connecticut | 8 | 8 | 0.0% | 6.75% | #397 |
| Mississippi | 6 | 1 | 50.0% | 6.25% | #325 |
| New Mexico | 6 | 5 | 0.0% | 6.75% | #294 |
| Alabama | 5 | 2 | 0.0% | 6.50% | #583 |
| Idaho | 5 | 4 | 0.0% | 5.94% | #333 |
| Nebraska | 5 | 5 | 0.0% | 6.50% | #309 |
Frequently asked questions
AAA Capital Investment denied 3.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 59th percentile of investment-property lenders.
The most common reason AAA Capital Investment gave in 2025 was "collateral", cited on 23.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans AAA Capital Investment originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.45 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 50% of its applications were for home purchases, 50% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.