Applications / Mortgage Analytics / Lenders / California / AAA Capital Investment
Arcadia, CA · Non-bank or government lender · CFPB · 2,360 loans in 2025
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2,360
loans originated, 2025
3,361
applications, 2025
39
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
AAA Capital Investment, a California non-bank that first reported in 2022, grew by a third in 2025 to 2,360 loans across 39 states.
Its loans rose 33% from 1,768, against 16% for similar lenders, meaning non-banks making between half and twice as many loans, and 10% for the whole market. Two years earlier it made only 465. Its lending reached $1.22 billion. It lends in 171 metros; its share rose 0.1 points around Las Vegas but fell 0.1 points around Riverside-San Bernardino, to 0.3% in each.
Nearly all its loans, 99.7%, were conventional, split between purchases (54.3%) and refinances (45.7%). Its typical loan, $425,000, was larger than at about three-quarters of similar lenders, whose typical loan was $305,000.
Of its loans, 63.4% went to majority-minority neighborhoods, more than at nine in ten of its peers. But only 20.2% were in low- and moderate-income neighborhoods, against 35.4% for similar lenders. Its markets, led by Los Angeles and Riverside, may explain the gap; 39.0% of its borrowers had low or moderate incomes, above its peers' 22.5%.
Only 3.1% of its loans were higher-priced (a rate well above the average for similar loans), against 20.2% at its peers. Its typical rate, 6.75%, was lower than at more than four in five similar lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. AAA Capital Investment took 3,361 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.3% · Refinance 45.7%
Conventional 99.7% · VA 0.3% · FHA 0.1% · of 2,360 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 1,161 | 49.2% |
| Nevada | 182 | 7.7% |
| Texas | 181 | 7.7% |
| Florida | 126 | 5.3% |
| Georgia | 80 | 3.4% |
| Virginia | 70 | 3.0% |
| Maryland | 62 | 2.6% |
| Washington | 60 | 2.5% |
| Arizona | 52 | 2.2% |
| Hawaii | 44 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 518 |
| Riverside-San Bernardino-Ontario | 200 |
| Las Vegas-Henderson-North Las Vegas | 178 |
| Anaheim-Santa Ana-Irvine | 148 |
| Dallas-Plano-Irving | 70 |
| Houston-Pasadena-The Woodlands | 62 |
| Atlanta-Sandy Springs-Roswell | 60 |
| Phoenix-Mesa-Chandler | 45 |
| San Diego-Chula Vista-Carlsbad | 44 |
| Oakland-Fremont-Berkeley | 43 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900IEGKUDRDS23V26 | 2022–2025 |
Established 18 October 2007. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: AAA Capital Investment's data.
AAA Capital Investment's data
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