Lender profile
Velocity Mortgage Capital
hard money · Westlake Village, CA · founded 2004
No verification date on file. The figures below have not been re-checked against a published source — read them as reported, not confirmed, and verify directly with Velocity Mortgage Capital before relying on them.
Velocity Mortgage Capital underwrites DSCR rental loans on mixed-use and small commercial buildings in addition to multi-family — property types outside most DSCR lenders' box. Loans amortize over 30 years, with sizes from $75,000 to $5,000,000 at up to 75% LTV / 85% LTC and rates of 7.5%-11%. Velocity Mortgage Capital is a hard money lender, founded in 2004, headquartered in Westlake Village, CA, describing its footprint as "National".
For a rental investor, the products on file are rental DSCR, multi-family, mixed-use, commercial. On the deal itself, Velocity Mortgage Capital publishes loan sizes from $75,000 to $5,000,000 and leverage up to 75% LTV / 85% LTC.
Velocity Mortgage Capital is confirmed by SEC filing as a subsidiary of Velocity Financial, Inc. (NYSE: VEL). The registrant's S-1 registration statement states that its operating subsidiary, Velocity Commercial Capital, LLC, began doing business as 'Velocity Mortgage Capital' in 2015. Its figures on this page carry no verification date, so they are reported as published rather than independently checked — verify directly with Velocity Mortgage Capital before relying on them.
Published facts
Loan size
$75,000 – $5,000,000
Max LTV
75%
Max LTC
85%
Rate range
7.5% – 11%
Points
1 – 3
Terms
30-year amortization
Close time
21-30 days typical
Velocity Mortgage Capital does not publish a state-coverage count. Its stated geographic focus is "National" — a description of intent, not a confirmed licensure claim.
Verification record
Reviewed Sep 25, 2026
✅ Corporate record confirmed — a subsidiary of Velocity Financial, Inc. (NYSE: VEL). S-1 filed Oct 18, 2019 .
The registrant's S-1 registration statement states that its operating subsidiary, Velocity Commercial Capital, LLC, began doing business as 'Velocity Mortgage Capital' in 2015.
⬜ Published criteria not yet independently verified — the figures on this page are reported as published, not checked against a dated source.
⬜ Regulatory complaint check — not yet run.
What Velocity Mortgage Capital has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask Velocity Mortgage Capital about, not as a criticism. Of the 11 criteria categories this directory tracks, Velocity Mortgage Capital has not published 5:
- Minimum credit score (22 of 38 lenders here publish it)
- Minimum DSCR (18 of 38 lenders here publish it)
- Origination channel (17 of 38 lenders here publish it)
- State-coverage count (14 of 38 lenders here publish it)
- Entity / vesting requirement (3 of 38 lenders here publish it)
Products
- rental DSCR — a 30-year rental loan qualified on the property's own rent-to-payment ratio rather than the borrower's tax returns See the glossary entry.
- multi-family — loans written against buildings with multiple rental units under one loan, not just single-family houses
- mixed-use — underwriting for buildings that combine residential and commercial space under one roof
- commercial — underwriting that extends to small commercial and non-residential property types
Strengths
- DSCR underwriting for mixed-use and small commercial
- Multi-family eligibility
- 30-year amortization
- Loan sizes up to $5,000,000
Who this lender suits
An investor holding a mixed-use, small commercial, or multi-family rental who needs a DSCR lender built for property types outside the standard single-family box
Deal scenarios Velocity Mortgage Capital clears
Velocity Mortgage Capital does not clear the numeric threshold on any of the 119 deal scenarios this site tests, at least not from what it has published on record — and its figures carry no verification date, which alone keeps every scenario in the "has not published this" bucket rather than "clears it" . That is a statement about what Velocity Mortgage Capital has put in writing, not about whether a deal with it is financeable — the only way to find out is to ask.
How Velocity Mortgage Capital compares
Velocity Mortgage Capital is not among the 9 lenders this site runs head-to-head comparison pages for — that roster is chosen by brand-name search volume in Search Console, not by hand-picking who looks good next to whom. The full directory lets you set Velocity Mortgage Capital's published figures side by side with any other lender's profile directly. Open the directory.
Ownership and status
Ownership & status
Velocity Mortgage Capital is confirmed by SEC filing as a subsidiary of Velocity Financial, Inc. (NYSE: VEL). The registrant's S-1 registration statement states that its operating subsidiary, Velocity Commercial Capital, LLC, began doing business as 'Velocity Mortgage Capital' in 2015.