Velocity Commercial Capital, LLC mortgage approval rate & lending review
Velocity Commercial Capital, LLC decided 10,298 mortgage applications and funded 9,834 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Velocity Commercial Capital, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Velocity Commercial Capital, LLC at a glance
Approval is 21.1 points above the 77.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Investment property purchase | 98% | 2,646 / 2,691 | 96% | $255K | 2,541 |
| Investment cash-out refinance | 98% | 6,706 / 6,809 | 98% | $165K | 6,552 |
| Investment refinance | 97% | 777 / 798 | 95% | $255K | 741 |
Velocity Commercial Capital, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 99% | $245K | 1,207 | 1,149 |
| Pennsylvania | 99% | $125K | 1,009 | 981 |
| California | 98% | $525K | 884 | 826 |
| New Jersey | 99% | $375K | 775 | 758 |
| New York | 99% | $425K | 762 | 731 |
| Texas | 98% | $185K | 693 | 659 |
| Ohio | 99% | $95K | 505 | 482 |
| Illinois | 99% | $145K | 445 | 429 |
| Michigan | 99% | $105K | 444 | 432 |
| Georgia | 97% | $195K | 439 | 412 |
| Maryland | 98% | $125K | 379 | 363 |
| North Carolina | 99% | $165K | 245 | 233 |
| Louisiana | 97% | $145K | 219 | 206 |
| Indiana | 98% | $95K | 189 | 184 |
| Wisconsin | 98% | $105K | 180 | 171 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Velocity Commercial Capital, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Philadelphia County, PA | Investment cash-out refinance | 99% | 352 | 342 |
| Cook County, IL | Investment cash-out refinance | 100% | 247 | 241 |
| Wayne County, MI | Investment cash-out refinance | 99% | 242 | 237 |
| Miami-Dade County, FL | Investment cash-out refinance | 99% | 182 | 176 |
| Los Angeles County, CA | Investment cash-out refinance | 98% | 186 | 169 |
| Cuyahoga County, OH | Investment cash-out refinance | 100% | 145 | 144 |
| Allegheny County, PA | Investment cash-out refinance | 100% | 133 | 132 |
| Harris County, TX | Investment cash-out refinance | 100% | 135 | 129 |
| Kings County, NY | Investment cash-out refinance | 98% | 103 | 99 |
| Philadelphia County, PA | Investment property purchase | 100% | 99 | 96 |
| Baltimore County, MD | Investment cash-out refinance | 97% | 98 | 93 |
| Baltimore city, MD | Investment cash-out refinance | 97% | 98 | 93 |
The county markets where Velocity Commercial Capital, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Velocity Commercial Capital, LLC
What is Velocity Commercial Capital, LLC's mortgage approval rate?
Velocity Commercial Capital, LLC approved 98.4% of the 10,298 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 21.1 points above the 77.2% national rate for the same mix of loan types.
How often do borrowers take the loan Velocity Commercial Capital, LLC offers?
Borrowers accepted 97% of the loans Velocity Commercial Capital, LLC approved, against 92% for all investment cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Velocity Commercial Capital, LLC make?
The typical investment cash-out refinance loan Velocity Commercial Capital, LLC made was $165K; across all loan types its typical loan ran from $165K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Velocity Commercial Capital, LLC lend?
Velocity Commercial Capital, LLC decided applications in 47 of the states Fat Boy Data covers, most of them in Florida, Pennsylvania and California.
Can I apply to Velocity Commercial Capital, LLC directly?
Yes. Velocity Commercial Capital, LLC reports as a direct lender that takes applications from borrowers.
Does this page show Velocity Commercial Capital, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Velocity Commercial Capital, LLC treats applications, then get a rate quote from the lender.