Velocity Commercial Capital in Georgia vs the state
2.5%Denial rate-16.76 pts vs state
4.5%Decision denial rate-20.59 pts vs state
50.6%Origination rate-3.54 pts vs state
9.99%Median rate+3.37 pts vs state
—Rate spread (pts)
—Median applicant income
185Loans originated
9Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 252 | 135 | 1.2% | 11.24% | #193 |
| 2024 | 269 | 130 | 0.7% | 10.74% | #203 |
| 2025 | 366 | 185 | 2.5% | 9.99% | #179 |
What Velocity Commercial Capital lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Velocity Commercial Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 120 | 59 | 3 | 2.5% |
| DeKalb County | 40 | 19 | 4 | 10.0% |
| Chatham County | 23 | 13 | 0 | 0.0% |
| Gwinnett County | 20 | 12 | 0 | 0.0% |
| Cobb County | 19 | 12 | 0 | 0.0% |
| Bibb County | 18 | 7 | 0 | 0.0% |
| Clayton County | 12 | 5 | 0 | 0.0% |
| Newton County | 11 | 8 | 0 | 0.0% |
| Richmond County | 10 | 6 | 0 | 0.0% |
| Henry County | 8 | 5 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 366 applications in 2025, of which 185 were originated and 9 denied.
2.5% of all applications, or 4.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Velocity Commercial Capital originated in Georgia in 2025 was 9.99%, against a statewide median of 6.63%.
About this data. Figures are Velocity Commercial Capital's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology