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 using 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. In Q2 2026, 68% of our FHA buyers negotiated seller credits of 3% or more.
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.
How our files move from application to closing
These are AAA Capital Funding's own pipeline numbers, by program. Every file is checked against the DU or LPA findings and the wholesale lender's guidelines before it's submitted, so underwriting sees a complete file the first time.
| Program | Application to clear to close | What we clear up front |
|---|---|---|
| Conventional | 12 to 16 days | Appraisal waiver eligibility and verification of employment |
| FHA | 14 to 18 days | FHA property standards screened early, with a manual underwrite plan ready when the debt ratio runs past 46.9% / 56.9% |
| VA | 14 to 18 days | Certificate of Eligibility pulled at intake; residual income and the pest inspection handled at the start |
| DSCR (investor) | 14 to 21 days | Rent schedule checked against local lease comps; LLC documents reviewed before setup |
| All programs | Under 18 days on average | One complete package, not documents in pieces |
What that means when you're buying
Your contract deadline is met and your deposit stays protected.
Fast enough that a seller can treat your offer like cash.
Credit scores from 580, debt ratios up to 56.9% on government loans, and manual underwrites, placed with lenders that don't stack extra overlays on the program.
The lender fees on your first Loan Estimate are the lender fees on your Closing Disclosure.
How we hold the timeline
- Within 24 to 48 hours: credit, income and assets gathered.
- Days 3 to 5: full DU or LPA run, disclosures and your Loan Estimate sent.
- Days 10 to 12: conditional approval from the lender, appraisal in, conditions cleared.
- Days 14 to 18: clear to close and funded.
Conditions go back to the lender in one batch within 24 hours of the conditional approval. The appraisal is ordered within 24 hours of your intent to proceed. On average, an underwriter touches a file about 1.2 times between submission and clear to close.
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.
Talk to the broker behind these numbers
You deal with the exact same licensed expert from your initial pre-approval to the final closing table. Zero handoffs. Zero processing departments. Just real 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.