VELOCITY COMMERCIAL CAPITAL, LLC
5,106 mortgages originated in 2025 across 22 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 5,106
- Median rate
- 9.990%
- Median lender fees
- —
- Median loan amount
- $195,000
- Median spread over APOR
- —
- Paid discount points
- 0%
- Received lender credits
- 0%
- Purchases / refinances
- 22% / 78%
- Conventional / FHA / VA
- 100% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 0% of loans here — see methodology.
Where VELOCITY COMMERCIAL CAPITAL, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Florida | 504 | — | 9.865% |
| Pennsylvania | 494 | — | 10.115% |
| New Jersey | 395 | — | 9.990% |
| California | 388 | — | 9.865% |
| Texas | 381 | — | 9.865% |
| New York | 356 | — | 10.053% |
| Illinois | 278 | — | 10.365% |
| Ohio | 277 | — | 10.115% |
| Michigan | 227 | — | 10.240% |
| Georgia | 185 | — | 9.990% |
| North Carolina | 131 | — | 9.865% |
| Louisiana | 119 | — | 10.365% |
| Connecticut | 109 | — | 9.990% |
| Indiana | 102 | — | 9.865% |
| Maryland | 101 | — | 10.365% |
| Wisconsin | 96 | — | 10.053% |
| South Carolina | 90 | — | 9.865% |
| Virginia | 86 | — | 9.865% |
| Massachusetts | 71 | — | 9.865% |
| Tennessee | 71 | — | 9.865% |
| Arizona | 70 | — | 9.928% |
| Missouri | 65 | — | 9.865% |