AAA Capital Investment in California vs the state
3.1%Denial rate-14.37 pts vs state
3.1%Decision denial rate-19.35 pts vs state
73.7%Origination rate+17.47 pts vs state
6.75%Median rate+0.13 pts vs state
0.38Rate spread (pts)+0.11 pts vs state
$182kMedian applicant income
1,161Loans originated
48Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 496 | 324 | 1.6% | 7.13% | #226 |
| 2024 | 1,315 | 970 | 2.1% | 6.88% | #131 |
| 2025 | 1,576 | 1,161 | 3.1% | 6.75% | #126 |
What AAA Capital Investment lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most AAA Capital Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 679 | 518 | 18 | 2.7% |
| Orange County | 209 | 148 | 7 | 3.3% |
| San Bernardino County | 166 | 133 | 3 | 1.8% |
| Riverside County | 92 | 67 | 4 | 4.3% |
| San Diego County | 76 | 44 | 2 | 2.6% |
| Santa Clara County | 52 | 39 | 0 | 0.0% |
| Alameda County | 45 | 28 | 3 | 6.7% |
| Sacramento County | 30 | 22 | 2 | 6.7% |
| San Mateo County | 29 | 22 | 0 | 0.0% |
| Fresno County | 29 | 23 | 2 | 6.9% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 1,576 applications in 2025, of which 1,161 were originated and 48 denied.
3.1% of all applications, or 3.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans AAA Capital Investment originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are AAA Capital Investment's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology