Velocity Commercial Capital in Alabama vs the state
2.7%Denial rate-17.17 pts vs state
5.6%Decision denial rate-19.44 pts vs state
42.9%Origination rate-12.53 pts vs state
10.05%Median rate+3.55 pts vs state
—Rate spread (pts)
—Median applicant income
48Loans originated
3Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 90 | 51 | 4.4% | 10.74% | #215 |
| 2024 | 76 | 33 | 0.0% | 10.74% | #249 |
| 2025 | 112 | 48 | 2.7% | 10.05% | #217 |
What Velocity Commercial Capital lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Velocity Commercial Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 44 | 18 | 1 | 2.3% |
| Mobile County | 18 | 4 | 2 | 11.1% |
| Montgomery County | 15 | 9 | 0 | 0.0% |
| Calhoun County | 7 | 1 | 0 | 0.0% |
| Madison County | 4 | 2 | 0 | 0.0% |
| Tuscaloosa County | 3 | 3 | 0 | 0.0% |
| Baldwin County | 3 | 3 | 0 | 0.0% |
| Lee County | 3 | 0 | 0 | 0.0% |
| Russell County | 3 | 0 | 0 | 0.0% |
| Coffee County | 2 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 112 applications in 2025, of which 48 were originated and 3 denied.
2.7% of all applications, or 5.6% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Velocity Commercial Capital originated in Alabama in 2025 was 10.05%, against a statewide median of 6.50%.
About this data. Figures are Velocity Commercial Capital's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology