Velocity Commercial Capital in Kentucky vs the state
1.6%Denial rate-17.22 pts vs state
2.3%Decision denial rate-21.22 pts vs state
68.3%Origination rate+10.21 pts vs state
8.49%Median rate+1.74 pts vs state
—Rate spread (pts)
—Median applicant income
43Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 7 | 0.0% | 10.74% | #366 |
| 2024 | 20 | 12 | 0.0% | 10.68% | #340 |
| 2025 | 63 | 43 | 1.6% | 8.49% | #247 |
What Velocity Commercial Capital lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Velocity Commercial Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Campbell County | 26 | 24 | 0 | 0.0% |
| Jefferson County | 16 | 6 | 1 | 6.3% |
| Fayette County | 5 | 4 | 0 | 0.0% |
| Bullitt County | 2 | 1 | 0 | 0.0% |
| Oldham County | 2 | 1 | 0 | 0.0% |
| Franklin County | 2 | 1 | 0 | 0.0% |
| Kenton County | 1 | 0 | 0 | 0.0% |
| Anderson County | 1 | 1 | 0 | 0.0% |
| Allen County | 1 | 1 | 0 | 0.0% |
| Christian County | 1 | 0 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 63 applications in 2025, of which 43 were originated and 1 denied.
1.6% of all applications, or 2.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Velocity Commercial Capital originated in Kentucky in 2025 was 8.49%, against a statewide median of 6.75%.
About this data. Figures are Velocity Commercial Capital's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology