Velocity Commercial Capital 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%
82nd1.2% deniedProcesswithdrawn + incomplete share, weight 15%
3rd43.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 5,057 | 2,545 | 0.9% | 1.7% | 10.99% | $871M |
| 2024 | 6,643 | 3,534 | 1.3% | 2.3% | 10.74% | $1.2B |
| 2025 | 9,454 | 5,106 | 0.7% | 1.2% | 9.99% | $1.6B |
What Velocity Commercial Capital 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, 9,454 investment properties.
Why Velocity Commercial Capital denies applications
Primary reason reported for each of the 64 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Velocity Commercial Capital
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 163 | 77 | 1.3% |
| 25–34 | 844 | 432 | 0.9% |
| 35–44 | 2,199 | 1,211 | 1.1% |
| 45–54 | 2,819 | 1,580 | 1.1% |
| 55–64 | 2,112 | 1,135 | 1.3% |
| 65–74 | 952 | 481 | 1.6% |
| Over 74 | 365 | 190 | 2.0% |
Where Velocity Commercial Capital lends
47 states and 872 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 980 | 504 | 0.3% | 9.87% | #157 |
| Pennsylvania | 856 | 494 | 0.6% | 10.12% | #106 |
| California | 776 | 388 | 0.6% | 9.87% | #197 |
| New York | 771 | 356 | 0.9% | 10.05% | #109 |
| Texas | 757 | 381 | 0.4% | 9.87% | #200 |
| New Jersey | 635 | 395 | 0.3% | 9.99% | #97 |
| Illinois | 497 | 278 | 0.2% | 10.37% | #125 |
| Ohio | 463 | 277 | 0.7% | 10.12% | #149 |
| Michigan | 387 | 227 | 0.3% | 10.24% | #149 |
| Georgia | 366 | 185 | 2.5% | 9.99% | #179 |
| North Carolina | 237 | 131 | 0.4% | 9.87% | #215 |
| Maryland | 224 | 101 | 0.5% | 10.37% | #148 |
| Louisiana | 191 | 119 | 0.5% | 10.37% | #124 |
| Connecticut | 183 | 109 | 0.0% | 9.99% | #112 |
| Indiana | 169 | 102 | 0.6% | 9.87% | #220 |
| Virginia | 157 | 86 | 1.3% | 9.87% | #234 |
| Wisconsin | 152 | 96 | 0.0% | 10.05% | #197 |
| South Carolina | 146 | 90 | 0.0% | 9.87% | #213 |
| Massachusetts | 141 | 71 | 0.7% | 9.87% | #212 |
| Tennessee | 134 | 71 | 0.8% | 9.87% | #272 |
| Missouri | 126 | 65 | 1.6% | 9.87% | #241 |
| Arizona | 119 | 70 | 0.0% | 9.93% | #227 |
| Alabama | 112 | 48 | 2.7% | 10.05% | #217 |
| Washington | 86 | 45 | 0.0% | 9.87% | #252 |
| District of Columbia | 67 | 23 | 0.0% | 9.99% | #61 |
| Kentucky | 63 | 43 | 1.6% | 8.49% | #247 |
| Nevada | 58 | 32 | 3.5% | 9.87% | #191 |
| Rhode Island | 58 | 28 | 0.0% | 9.99% | #89 |
| Oregon | 55 | 34 | 1.8% | 9.87% | #213 |
| Colorado | 49 | 15 | 2.0% | 9.87% | #305 |
| Kansas | 45 | 29 | 0.0% | 10.87% | #236 |
| Hawaii | 43 | 24 | 2.3% | 10.12% | #99 |
| Mississippi | 41 | 18 | 2.4% | 9.87% | #186 |
| Oklahoma | 40 | 19 | 0.0% | 9.87% | #278 |
| Delaware | 39 | 21 | 10.3% | 10.24% | #135 |
| West Virginia | 37 | 20 | 0.0% | 10.12% | #160 |
| New Mexico | 32 | 16 | 0.0% | 10.87% | #173 |
| Nebraska | 29 | 17 | 0.0% | 10.12% | #177 |
| Arkansas | 28 | 21 | 0.0% | 10.37% | #254 |
| Idaho | 20 | 9 | 0.0% | 9.87% | #223 |
| Utah | 17 | 7 | 0.0% | 10.37% | #251 |
| Maine | 16 | 10 | 0.0% | 10.12% | #183 |
| Iowa | 15 | 8 | 0.0% | 9.87% | #324 |
| New Hampshire | 14 | 10 | 0.0% | 10.12% | #223 |
| Alaska | 12 | 6 | 0.0% | 9.62% | #102 |
| Montana | 7 | 4 | 14.3% | 9.24% | #206 |
Frequently asked questions
Velocity Commercial Capital denied 1.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 82nd percentile of investment-property lenders.
The most common reason Velocity Commercial Capital gave in 2025 was "collateral", cited on 40.6% 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 Velocity Commercial Capital originated in 2025 was 9.99%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 22% of its applications were for home purchases, 78% 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.