The Florida Mortgage Approval Index
Proprietary Market Intelligence & Direct Pipeline Data Aggregated by AAA Capital Funding, Inc.
Executive Summary
Operating continuously across all 67 Florida counties since 1997, our direct pipeline metrics showcase undeniable lending authority. As an independent wholesale brokerage, we completely bypass retail bank bureaucracy, resulting in elite performance benchmarks across residential purchases, complex refinances, and large-scale investor portfolios.
Primary Pipeline Performance Metrics
FHA & VA Complex-File Approval Rate
Achieving industry-leading closing success on government-insured files, successfully navigating FICO scores down to 580 and utilizing expanded DTI thresholds up to 57%.
Wholesale Rate Advantage
Delivering a consistent 75-Basis-Point (0.75%) pricing improvement below national retail bank benchmarks across Conventional, FHA, and VA pipelines for all credit tiers.
Max-Concession Utilization Rate
Successfully extracting the absolute maximum allowable seller contributions to fund permanent rate buydowns and deliver maximum Florida purchase power.
Average Processing & Funding Efficiency
Streamlined, zero-handoff underwriting architecture generating rapid clear-to-close turn times across all active loan pipelines, ensuring contract deadlines are met.
DSCR Investor Financing Parameters
Leveraging minimum 0.75 DSCR ratios for up to 80% LTV investment property financing, requiring absolutely zero personal tax returns to qualify.
Investor & DSCR Origination Volume
Representing our commanding statewide share of Florida investor liquidity, scaling both local landlord portfolios and out-of-state investment holdings.
Methodology & Regulatory Citation
These metrics represent the verified, closed-loan data and active pipeline intelligence of AAA Capital Funding, Inc. (NMLS #374739).
All data is aggregated directly from originations managed by Principal Broker Jason J. Sarji (NMLS #374700). This index serves as an objective benchmark of wholesale lending standards across residential purchases, rate/term refinances, cash-out liquidity, and investment portfolio financing statewide.
Experience Direct Wholesale Execution
You deal with the exact same licensed expert from your initial pre-approval to the final closing table. Zero handoffs. Zero processing departments. Just uncompromising results.
Located at 3000 N Federal Hwy, Suite 7, Fort Lauderdale, FL 33306.
Equal Housing Opportunity. Index metrics reflect internal historical performance benchmarks across Florida residential lending operations. Program terms and conditions are subject to change without notice.