Velocity Mortgage Capital

What Velocity Mortgage Capital does

Velocity Mortgage Capital (DBA of Velocity Commercial Capital, LLC) is a privately held wholesale mortgage lender founded in 2005 and operating under California Finance Lenders License #603A366. The company specializes in small-balance investment property financing for 1–4 unit residential, multifamily, mixed-use, and commercial real estate, delivering all products exclusively through licensed mortgage brokers nationwide rather than directly to consumers. Its loan portfolio spans long-term (FlexTerm), short-term interest-only (FlexIO), bridge (Fast 50), fix-and-flip (ARV), assisted-living facility (ALF), foreign-investor, and commercial programs, each marketed under a distinct sub-brand.

The underlying technology layer centers on a proprietary Broker Portal (hosted at generatevelocity.com) that brokers use to submit loan applications, generate conditional approvals, and track pipeline status; the company also provides a Broker Marketing Toolkit with customizable brochures and rate sheets. Operations are supported by seven regional offices across California (Westlake Village, San Clemente, Orange), Massachusetts (Mansfield), Florida (Miami), Pennsylvania (Blue Bell), and Nevada (Las Vegas), each anchored by a regional Sales Director, with Marco Castaneda serving as EVP National Production Manager.

Velocity generates revenue primarily through interest spreads and origination economics on funded investment property loans. GTM motion is channel-driven: brokers originate and own the borrower relationship, while Velocity underwrites and funds the loan. Ownership is private with no disclosed external funding rounds, no parent company, and no public-market listing.

Name

Velocity Mortgage Capital

Legal name

Velocity Commercial Capital, LLC

Website

https://velocitymortgage.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Short description

Velocity Mortgage Capital is a wholesale mortgage lender that finances 1–4 unit residential, multifamily, mixed-use, and commercial investment properties exclusively through licensed mortgage brokers across the United States.

Ownership category

akta.pro rank

Product category

Wholesale Mortgage Lending (Investment Property Financing)

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Wholesale Mortgage Lending (Broker Channel) (FSALACAA)

akta.pro secondary industry

Jumbo & Portfolio Wholesale Lending (FSALACAF)

Keywords

• Wholesale mortgage lending
• Investment property financing
• Broker lending platform
• Commercial real estate loans
• Fix and flip loans

Headquarters

HQ city

Westlake Village

HQ country

United States

HQ region

North America

Offices7 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Lending Interest/Spreads: Velocity Mortgage Capital funds investment property loans and earns revenue through interest spreads on originated mortgages. As a private lender focused on investment properties, they generate income from loan origination and servicing.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Velocity Mortgage Capital is a wholesale mortgage lender that funds loans on 1-4 unit residential, multifamily, mixed-use, and commercial investment properties through licensed mortgage brokers nationwide. Loan products include long-term (FlexTerm), short-term/interest-only (Flex IO), bridge (Fast 50), assisted living facility (ALF), foreign investor, commercial, and fix-and-flip/ARV financing, with submissions and tracking handled through the proprietary GenerateVelocity Broker Portal.

Product overview

Velocity Mortgage Capital operates as a wholesale mortgage lender offering a portfolio of investment property loan products designed for brokers serving real estate investors. The core product line centers on FlexTerm (long-term financing) and Flex IO (interest-only short-term option), complemented by specialized programs including Fast 50 (bridge loans), ALF Loans (assisted living facilities), Foreign Investor Loans (international borrowers), Commercial Loans, and ARV Loans (fix-and-flip). The company provides a proprietary Broker Portal for loan submission and tracking. All products are delivered exclusively through licensed mortgage brokers via a wholesale platform model.

Differentiator

Problem solved

Functional benefit

Brands

• FlexTerm: Long-term loan program for investment properties
• FlexIO
• Fast 50
• ALF Loans
• Foreign Investor Loans
• Commercial Loans

Products and services

• FlexTerm

Quantifiable outcome

• Over $10 billion in funded loans over 20 years
• +1 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• American Heritage Lending: American Heritage Lending is a wholesale-focused mortgage lender serving brokers with non-QM and investor loan products, a near-exact business model match to Velocity's wholesale broker channel.
• Kiavi: Kiavi (formerly LendingHome) is a leading technology-enabled lender focused on fix-and-flip and bridge financing for real estate investors, directly overlapping with Velocity's ARV and Fast 50 product offerings.
• Lima One Capital: Lima One Capital specializes in residential investment property lending for fix-and-flip, rental, and new construction investors, mirroring Velocity's core investor-focused loan programs.
• CoreVest Finance: CoreVest (acquired by Redfin) provided real estate investor financing including single-family rental and fix-and-flip loans, directly comparable to Velocity's investor-focused product suite.
• Patch of Land: Patch of Land is a non-bank lender providing short-term bridge and fix-and-flip financing to real estate investors, competing head-to-head in Velocity's short-term product segments.
• Verus Mortgage Capital: Verus Mortgage Capital is a wholesale non-QM lender distributing through the broker channel, directly comparable to Velocity's wholesale distribution and non-QM-style underwriting approach.
• Deephaven Mortgage: Deephaven Mortgage is a non-QM lender focused on investment property and second-home financing, competing in the same alternative mortgage segment as Velocity.
• Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions offers non-QM and investor loan products through wholesale and retail channels, overlapping with Velocity's flexible underwriting for non-conventional borrowers.

Broad incumbents

• Caliber Home Loans: Caliber is a large non-bank mortgage originator with diversified products including non-QM and investor lending, serving as a broad incumbent competing for similar broker-sourced volume.
• NewRez: NewRez is a large non-bank mortgage lender offering a broad suite of products including non-QM and investment property loans through wholesale and retail channels, providing scale competition to Velocity.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/commercialmortgagelender
• LinkedInlinkedin.com/company/velocity-commercial-capital
• Instagraminstagram.com/velocitymortgagecapital
• Xx.com/velocityloans

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Velocity Mortgage Capital