Velocity Commercial Capital in Oregon vs the state
1.8%Denial rate-13.49 pts vs state
2.8%Decision denial rate-16.38 pts vs state
61.8%Origination rate+1.20 pts vs state
9.87%Median rate+3.12 pts vs state
—Rate spread (pts)
—Median applicant income
34Loans originated
1Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 44 | 21 | 0.0% | 10.74% | #213 |
| 2024 | 40 | 16 | 2.5% | 10.55% | #227 |
| 2025 | 55 | 34 | 1.8% | 9.87% | #213 |
What Velocity Commercial Capital lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Velocity Commercial Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 28 | 16 | 0 | 0.0% |
| Washington County | 8 | 7 | 0 | 0.0% |
| Clackamas County | 5 | 2 | 0 | 0.0% |
| Marion County | 3 | 0 | 0 | 0.0% |
| Deschutes County | 3 | 3 | 0 | 0.0% |
| Columbia County | 3 | 3 | 0 | 0.0% |
| Douglas County | 1 | 0 | 1 | 100.0% |
| Benton County | 1 | 1 | 0 | 0.0% |
| Yamhill County | 1 | 1 | 0 | 0.0% |
| Lane County | 1 | 1 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 55 applications in 2025, of which 34 were originated and 1 denied.
1.8% of all applications, or 2.8% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Velocity Commercial Capital originated in Oregon in 2025 was 9.87%, against a statewide median of 6.75%.
About this data. Figures are Velocity Commercial Capital's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology