Velocity Commercial Capital in Tennessee vs the state
0.8%Denial rate-16.39 pts vs state
1.3%Decision denial rate-20.35 pts vs state
53.0%Origination rate-5.09 pts vs state
9.87%Median rate+3.24 pts vs state
—Rate spread (pts)
—Median applicant income
71Loans originated
1Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 79 | 44 | 2.5% | 10.74% | #327 |
| 2024 | 105 | 53 | 2.9% | 10.74% | #296 |
| 2025 | 134 | 71 | 0.8% | 9.87% | #272 |
What Velocity Commercial Capital lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Velocity Commercial Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 45 | 27 | 0 | 0.0% |
| Davidson County | 23 | 11 | 0 | 0.0% |
| Knox County | 10 | 7 | 0 | 0.0% |
| Hamilton County | 7 | 4 | 0 | 0.0% |
| Madison County | 6 | 3 | 0 | 0.0% |
| Sevier County | 5 | 2 | 0 | 0.0% |
| Sullivan County | 3 | 2 | 0 | 0.0% |
| Sumner County | 3 | 1 | 0 | 0.0% |
| Montgomery County | 3 | 1 | 0 | 0.0% |
| Washington County | 2 | 1 | 1 | 50.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 134 applications in 2025, of which 71 were originated and 1 denied.
0.8% of all applications, or 1.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Velocity Commercial Capital originated in Tennessee in 2025 was 9.87%, against a statewide median of 6.62%.
About this data. Figures are Velocity Commercial Capital's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology