Velocity Commercial Capital in Missouri vs the state
1.6%Denial rate-13.48 pts vs state
3.0%Decision denial rate-15.71 pts vs state
51.6%Origination rate-11.07 pts vs state
9.87%Median rate+3.24 pts vs state
—Rate spread (pts)
—Median applicant income
65Loans originated
2Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 70 | 38 | 1.4% | 11.30% | #280 |
| 2024 | 87 | 43 | 1.2% | 10.87% | #264 |
| 2025 | 126 | 65 | 1.6% | 9.87% | #241 |
What Velocity Commercial Capital lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Velocity Commercial Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 44 | 27 | 0 | 0.0% |
| St. Louis city | 35 | 16 | 1 | 2.9% |
| Jackson County | 31 | 15 | 1 | 3.2% |
| Pettis County | 4 | 1 | 0 | 0.0% |
| Greene County | 2 | 1 | 0 | 0.0% |
| Clay County | 2 | 0 | 0 | 0.0% |
| Phelps County | 1 | 1 | 0 | 0.0% |
| Christian County | 1 | 0 | 0 | 0.0% |
| Scott County | 1 | 0 | 0 | 0.0% |
| St. Francois County | 1 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 126 applications in 2025, of which 65 were originated and 2 denied.
1.6% of all applications, or 3.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Velocity Commercial Capital originated in Missouri in 2025 was 9.87%, against a statewide median of 6.63%.
About this data. Figures are Velocity Commercial Capital's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology