Velocity Commercial Capital Mortgage Rates, Fees & Info

Sacramento, CA

LEI: 549300TA4MQM8WN2XG31

Tax ID: 20-1193192

Latest/2023 | 2022 Data | 2021 Data | 2020 Data |

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Mortgage Data

Review & Overview

Velocity Commercial Capital is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Velocity Commercial Capital has a high proportion of conventional loans. Their top markets by origination volume include: New York, Los Angeles, Miami, San Francisco, and Philadelphia among others. We have data for 146 markets. (Some data included below & more in-depth data is available with an active subscription.)

Velocity Commercial Capital has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.27% 3/28/24
30 Year Conventional Refi 6.27% 3/28/24
30 Year Cash-out Refi 6.27% 3/28/24
15 Year Conventional Purchase 5.68% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Velocity Commercial Capital Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Velocity Commercial Capital. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,116

Origination Dollar Volume (All Markets)

$355,900,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 188 $78,800,000 $419,149 $0 8.42%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 65 $56,835,000 $874,385 $0 8.20%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 77 $25,635,000 $332,922 $0 8.42%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 23 $19,705,000 $856,739 $0 7.27%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 91 $14,785,000 $162,473 $0 9.01%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 24 $10,990,000 $457,917 $0 8.15%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 47 $9,455,000 $201,170 $0 8.80%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 21 $8,305,000 $395,476 $0 8.59%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 19 $8,105,000 $426,579 $0 6.79%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 30 $7,270,000 $242,333 $0 8.64%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 18 $6,680,000 $371,111 $0 8.28%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 24 $5,120,000 $213,333 $0 8.64%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 21 $5,075,000 $241,667 $0 8.44%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 28 $4,870,000 $173,929 $0 9.49%
URBAN HONOLULU, HI (FHA|USDA|VA) 5 $4,705,000 $941,000 $0 8.94%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 10 $4,390,000 $439,000 $0 8.19%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 17 $3,475,000 $204,412 $0 8.37%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 15 $3,135,000 $209,000 $0 9.39%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $2,760,000 $690,000 $0 7.68%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 11 $2,415,000 $219,545 $0 8.74%
FRESNO, CA (FHA|USDA|VA) 8 $2,140,000 $267,500 $0 7.74%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 16 $2,100,000 $131,250 $0 8.70%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 10 $2,020,000 $202,000 $0 8.99%
Outside of Metro Areas 6 $1,920,000 $320,000 $0 9.62%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 7 $1,865,000 $266,429 $0 8.74%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 9 $1,825,000 $202,778 $0 8.97%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 6 $1,800,000 $300,000 $0 8.87%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 18 $1,740,000 $96,667 $0 8.35%
SALEM, OR (FHA|USDA|VA) 4 $1,550,000 $387,500 $0 6.87%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 9 $1,535,000 $170,556 $0 8.58%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $1,520,000 $760,000 $0 7.62%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 8 $1,500,000 $187,500 $0 8.74%
MORGANTOWN, WV (FHA|USDA|VA) 1 $1,475,000 $1,475,000 $0 6.24%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 5 $1,475,000 $295,000 $0 8.75%
ST. LOUIS, MO-IL (FHA|USDA|VA) 9 $1,355,000 $150,556 $0 8.33%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,350,000 $337,500 $0 9.06%
VALLEJO, CA (FHA|USDA|VA) 3 $1,335,000 $445,000 $0 6.49%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 10 $1,300,000 $130,000 $0 8.37%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $1,250,000 $208,333 $0 8.33%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $1,215,000 $405,000 $0 9.00%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 9 $1,155,000 $128,333 $0 9.05%
SPRINGFIELD, MA (FHA|USDA|VA) 6 $1,100,000 $183,333 $0 8.45%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $1,080,000 $180,000 $0 9.08%
WORCESTER, MA-CT (FHA|USDA|VA) 6 $1,040,000 $173,333 $0 8.70%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 6 $1,040,000 $173,333 $0 8.58%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $1,035,000 $1,035,000 $0 8.24%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 6 $1,020,000 $170,000 $0 7.95%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 8 $1,010,000 $126,250 $0 9.49%
STOCKTON, CA (FHA|USDA|VA) 3 $985,000 $328,333 $0 6.66%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $925,000 $185,000 $0 7.89%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 5 $825,000 $165,000 $0 8.54%
MODESTO, CA (FHA|USDA|VA) 3 $805,000 $268,333 $0 8.24%
MERCED, CA (FHA|USDA|VA) 2 $800,000 $400,000 $0 7.18%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 7 $795,000 $113,571 $0 8.96%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $790,000 $395,000 $0 8.49%
JACKSONVILLE, FL (FHA|USDA|VA) 6 $780,000 $130,000 $0 9.20%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $770,000 $192,500 $0 8.93%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $735,000 $245,000 $0 8.58%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $735,000 $147,000 $0 8.34%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $720,000 $360,000 $0 11.50%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $715,000 $238,333 $0 9.00%
PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $710,000 $177,500 $0 8.68%
BEND, OR (FHA|USDA|VA) 1 $695,000 $695,000 $0 7.49%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 5 $675,000 $135,000 $0 8.34%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 4 $660,000 $165,000 $0 9.18%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 4 $660,000 $165,000 $0 9.25%
Vineyard Haven, MA (FHA|USDA|VA) 1 $615,000 $615,000 $0 10.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $610,000 $305,000 $0 8.75%
SANTA FE, NM (FHA|USDA|VA) 2 $610,000 $305,000 $0 8.74%
GRANTS PASS, OR (FHA|USDA|VA) 2 $600,000 $300,000 $0 8.37%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $595,000 $119,000 $0 9.19%
PITTSBURGH, PA (FHA|USDA|VA) 5 $545,000 $109,000 $0 9.09%
CORVALLIS, OR (FHA|USDA|VA) 1 $535,000 $535,000 $0 6.49%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 4 $470,000 $117,500 $0 7.68%
COLUMBUS, OH (FHA|USDA|VA) 4 $470,000 $117,500 $0 8.62%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $470,000 $235,000 $0 7.49%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $460,000 $115,000 $0 9.37%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 5 $445,000 $89,000 $0 8.09%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $425,000 $425,000 $0 9.99%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $415,000 $415,000 $0 8.49%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $415,000 $415,000 $0 8.49%
MONTGOMERY, AL (FHA|USDA|VA) 2 $400,000 $200,000 $0 7.87%
RICHMOND, VA (FHA|USDA|VA) 3 $395,000 $131,667 $0 9.16%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $360,000 $180,000 $0 8.25%
MADERA, CA (FHA|USDA|VA) 1 $335,000 $335,000 $0 7.75%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $330,000 $165,000 $0 8.12%
VISALIA, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 7.99%
LYNCHBURG, VA (FHA|USDA|VA) 1 $285,000 $285,000 $0 7.49%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $275,000 $275,000 $0 11.50%
BATON ROUGE, LA (FHA|USDA|VA) 2 $270,000 $135,000 $0 9.62%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $265,000 $265,000 $0 10.00%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $265,000 $265,000 $0 7.99%
READING, PA (FHA|USDA|VA) 2 $260,000 $130,000 $0 7.74%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $240,000 $120,000 $0 8.24%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $225,000 $225,000 $0 5.49%
KINGSTON, NY (FHA|USDA|VA) 1 $225,000 $225,000 $0 10.25%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $225,000 $225,000 $0 10.00%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $0 9.00%
Summerville, GA (FHA|USDA|VA) 1 $225,000 $225,000 $0 10.00%
OCALA, FL (FHA|USDA|VA) 2 $220,000 $110,000 $0 8.87%
ROCHESTER, NY (FHA|USDA|VA) 2 $220,000 $110,000 $0 7.74%
BINGHAMTON, NY (FHA|USDA|VA) 2 $220,000 $110,000 $0 11.00%
ROANOKE, VA (FHA|USDA|VA) 1 $205,000 $205,000 $0 10.00%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $205,000 $205,000 $0 8.99%
TULSA, OK (FHA|USDA|VA) 2 $200,000 $100,000 $0 7.99%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $190,000 $95,000 $0 8.74%
Huntsville, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 9.00%
BECKLEY, WV (FHA|USDA|VA) 1 $175,000 $175,000 $0 10.00%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $175,000 $175,000 $0 10.00%
Lebanon, NH-VT (FHA|USDA|VA) 1 $175,000 $175,000 $0 9.49%
ASHEVILLE, NC (FHA|USDA|VA) 1 $175,000 $175,000 $0 6.24%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $165,000 $165,000 $0 10.50%
Berlin, NH (FHA|USDA|VA) 1 $155,000 $155,000 $0 10.00%
JONESBORO, AR (FHA|USDA|VA) 1 $155,000 $155,000 $0 10.00%
TUCSON, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.99%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.49%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.99%
LOUISVILLE, KY (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.75%
Whitewater, WI (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.99%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $125,000 $125,000 $0 9.24%
LAWRENCE, KS (FHA|USDA|VA) 1 $115,000 $115,000 $0 10.00%
Okeechobee, FL (FHA|USDA|VA) 1 $115,000 $115,000 $0 9.24%
RENO, NV (FHA|USDA|VA) 1 $115,000 $115,000 $0 8.75%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $115,000 $115,000 $0 11.50%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 10.50%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.75%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.49%
Eagle Pass, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 10.00%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.49%
Cedartown, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.75%
COLUMBIA, SC (FHA|USDA|VA) 1 $95,000 $95,000 $0 10.25%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $95,000 $95,000 $0 11.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $95,000 $95,000 $0 7.49%
ROME, GA (FHA|USDA|VA) 1 $95,000 $95,000 $0 10.00%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $95,000 $95,000 $0 6.24%
WILMINGTON, NC (FHA|USDA|VA) 1 $95,000 $95,000 $0 10.00%
Plymouth, IN (FHA|USDA|VA) 1 $95,000 $95,000 $0 11.50%
TOLEDO, OH (FHA|USDA|VA) 1 $85,000 $85,000 $0 10.25%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $85,000 $85,000 $0 9.00%
SAVANNAH, GA (FHA|USDA|VA) 1 $85,000 $85,000 $0 10.00%
Henderson, NC (FHA|USDA|VA) 1 $85,000 $85,000 $0 9.00%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.99%
WICHITA, KS (FHA|USDA|VA) 1 $85,000 $85,000 $0 9.00%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 11.50%
HATTIESBURG, MS (FHA|USDA|VA) 1 $75,000 $75,000 $0 10.00%
SYRACUSE, NY (FHA|USDA|VA) 1 $75,000 $75,000 $0 10.50%
Velocity Commercial Capital's top markets include New York, Los Angeles, Miami, San Francisco, and Philadelphia among others.

Their top states include:
  • California (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,116 $355,900,000 $318,907 $0 8.55%

    For 2020, Velocity Commercial Capital's most frequently originated type of loan was Conventional, with 1,116 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 629 $174,485,000 $277,401 $0 8.91%
    Home Purchase 363 $130,625,000 $359,848 $0 7.95%
    Refi 124 $50,790,000 $409,597 $0 8.54%

    For 2020, Velocity Commercial Capital's most frequently cited loan purpose was Cash Out Refi, with 629 originations. The 2nd most popular reason was Home Purchase, with 363 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 794 $258,560,000 $325,642 $0 7.93%
    Other 280 $74,230,000 $265,107 $0 10.14%
    1 Year 42 $23,110,000 $550,238 $0 9.73%

    For 2020, Velocity Commercial Capital's most frequently cited loan duration was 30 Year, with 794 originations. The 2nd most popular length was Other, with 280 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 646 $185,540,000 $287,214
    7-8% 305 $94,185,000 $308,803
    6-7% 154 $70,970,000 $460,844
    5-6% 11 $5,205,000 $473,182

    During 2020, Velocity Commercial Capital's average interest rate for loans was 7.93%, while their most frequently originated rate bucket for loans was Over 8%, with 646 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 400 $56,470,000 $141,175 $0 8.82%
    $200k-400k 308 $85,900,000 $278,896 $0 8.35%
    $100,000 or less 154 $13,150,000 $85,390 $0 9.11%
    $400k-600k 128 $61,570,000 $481,016 $0 8.10%
    $600k-1MM 80 $59,470,000 $743,375 $0 8.03%
    $1MM+ 46 $79,340,000 $1,724,783 $0 7.95%

    2020 saw Velocity Commercial Capital place emphasis on $100k-200k loans with 400 originations, totaling $56,470,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 576 $191,740,000 $332,882 $0 8.58%
    White 249 $76,375,000 $306,727 $0 8.70%
    Black 175 $43,755,000 $250,029 $0 8.78%
    Asian 96 $36,370,000 $378,854 $0 7.59%
    American Indian 8 $3,100,000 $387,500 $0 8.43%
    Native Hawaiian or Islander 4 $2,990,000 $747,500 $0 9.56%
    Asian Indian 4 $810,000 $202,500 $0 9.81%
    Not applicable 4 $760,000 $190,000 $0 7.87%

    Approval Rates

    Total approvals of all applications
    93.34%

    Velocity Commercial Capital has an average approval rate.

    Pick Rate

    Approvals leading to origination
    16.67%

    Velocity Commercial Capital has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,116 $355,900,000 $318,907

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 72 $33,790,000 $469,306
    Single Family (1-4 Units):Site-Built 1,044 $322,110,000 $308,534

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 19 $4,555,000 $239,737 $0 8.68%
    40-60% 145 $41,095,000 $283,414 $0 8.81%
    60-80% 839 $273,565,000 $326,061 $0 8.43%
    80-100% 17 $3,305,000 $194,412 $0 9.07%
    Over 100% 93 $32,645,000 $351,022 $0 9.10%
    Under 20% 3 $735,000 $245,000 $0 10.00%