Velocity Commercial Capital in Texas vs the state
0.4%Denial rate-19.03 pts vs state
0.8%Decision denial rate-24.13 pts vs state
50.3%Origination rate-4.55 pts vs state
9.87%Median rate+3.37 pts vs state
—Rate spread (pts)
—Median applicant income
381Loans originated
3Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 377 | 172 | 0.3% | 10.93% | #292 |
| 2024 | 462 | 231 | 2.4% | 10.74% | #263 |
| 2025 | 757 | 381 | 0.4% | 9.87% | #200 |
What Velocity Commercial Capital lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Velocity Commercial Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 169 | 77 | 0 | 0.0% |
| Dallas County | 91 | 55 | 0 | 0.0% |
| Bexar County | 74 | 45 | 0 | 0.0% |
| Tarrant County | 37 | 22 | 0 | 0.0% |
| Travis County | 29 | 13 | 1 | 3.4% |
| Hidalgo County | 28 | 11 | 1 | 3.6% |
| Nueces County | 19 | 12 | 0 | 0.0% |
| Denton County | 18 | 6 | 0 | 0.0% |
| Montgomery County | 18 | 7 | 0 | 0.0% |
| El Paso County | 17 | 10 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 757 applications in 2025, of which 381 were originated and 3 denied.
0.4% of all applications, or 0.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Velocity Commercial Capital originated in Texas in 2025 was 9.87%, against a statewide median of 6.50%.
About this data. Figures are Velocity Commercial Capital's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology