# VELOCIO MORTGAGE L.L.C. > **Canonical URL:** https://saferate.com/lenders/velocio-mortgage > **📋 Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible VELOCIO MORTGAGE L.L.C. is a independent mortgage company, headquartered in DALLAS, TX, serving borrowers across 6 states, with 4,796 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 4% of lenders for competitive rates - **Approval Rate:** Ranks in the top 15% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 549300OQMU3ID8QA6M46 - **Headquarters:** DALLAS, TX - **Geographic Reach:** Multi-Region - **States Served:** 6 - **State List:** AZ, FL, NC, SC, TN, TX - **Markets (MSAs):** 15 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 98.7% - **Brokered/Wholesale:** 1.3% ## Safe Rate Ratings ### Pricing: Exceptional 🤩 - Score: 96/100 - Rating: ●●●●● (5/5) ### Pull Through: Exceptional 🤩 - Score: 85/100 - Rating: ●●●●● (5/5) ### Pricing Details - **Average Rate Spread:** -0.852% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $1,231 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 4,796 - **Dollar Volume:** $1.7 billion - **Applications Received:** 5,678 - **Market Share:** 13.00% ## Typical Borrower Profile - **Average Loan Amount:** $363,399 - **Average Borrower Income:** $119,016 - **Average Property Value:** $400,874 ## Safe Rate Awards 🏆 - 💎 **FHA Diamond Champion** (90%) - 💎 **VA Diamond Champion** (90%) - 💎 **Purchase Diamond Champion** (90%) - ⭐ **Conventional Gold Superstar** (64%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 65/100 | 1,388 | -0.434% | $2,495 | Strong 😀 | | FHA | 87/100 | 2,559 | -0.953% | $1,094 | Exceptional 🤩 | | VA | 83/100 | 746 | -1.339% | $-1,858 | Exceptional 🤩 | | USDA | 87/100 | 102 | -0.989% | $2,672 | Exceptional 🤩 | ### Product Performance by Purpose **Conventional:** - Purchase: 1,387 loans, Score: 67/100 (Strong) **FHA:** - Purchase: 2,559 loans, Score: 88/100 (Exceptional) **VA:** - Purchase: 746 loans, Score: 82/100 (Exceptional) **USDA:** - Purchase: 102 loans, Score: 87/100 (Exceptional) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 81/100 | 4,795 | $1.7B | -0.852% | Exceptional 🤩 | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | TX | 2,479 | 0.71% | 88/100 | | AZ | 1,242 | 1.25% | 86/100 | | NC | 441 | 0.30% | 71/100 | | SC | 399 | 0.50% | 79/100 | | FL | 233 | 0.08% | 61/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Phoenix | AZ | 1,242 | 88/100 | | San Antonio | TX | 682 | 85/100 | | Austin | TX | 625 | 91/100 | | Houston | TX | 487 | 78/100 | | Dallas | TX | 462 | 79/100 | | Charleston | SC | 323 | 90/100 | | Fort Worth | TX | 215 | 76/100 | | Orlando | FL | 193 | 71/100 | | Raleigh | NC | 184 | 74/100 | | Non | | 112 | 46/100 | | Myrtle Beach | SC | 76 | 67/100 | | Durham | NC | 75 | 69/100 | | Rocky Mount, NC | NC | 47 | 76/100 | | Deltona | FL | 34 | 55/100 | | Goldsboro, NC | NC | 24 | 59/100 | ## Where This Lender Ranks VELOCIO MORTGAGE L.L.C. appears in the following market rankings: ### Best Overall Mortgage Lenders - 🥇 **#1** in Texas - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders) - 🥇 **#1** in Texas Mortgage Companies - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/mortgage-companies) - 🥇 **#1** in Texas for FHA Loans - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/fha-loans) - 🥇 **#1** in Texas for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/mortgage-companies/fha-loans) - 🥇 **#1** in Texas for VA Loans - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/va-loans) - 🥇 **#1** in Texas for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/mortgage-companies/va-loans) - 🥇 **#1** in Texas for USDA Loans - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/usda-loans) - 🥇 **#1** in Texas for USDA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/mortgage-companies/usda-loans) - 🥇 **#1** in Phoenix - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders) - 🥇 **#1** in Phoenix Mortgage Companies - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/mortgage-companies) - 🥇 **#1** in Phoenix for FHA Loans - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/fha-loans) - 🥇 **#1** in Phoenix for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/mortgage-companies/fha-loans) - 🥇 **#1** in Phoenix for VA Loans - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/va-loans) - 🥇 **#1** in Phoenix for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/mortgage-companies/va-loans) - 🥇 **#1** in Phoenix for USDA Loans - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/usda-loans) - 🥇 **#1** in Phoenix for USDA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/mortgage-companies/usda-loans) - 🥇 **#1** in Arizona - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders) - 🥇 **#1** in Arizona Mortgage Companies - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/mortgage-companies) - 🥇 **#1** in Arizona for FHA Loans - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/fha-loans) - 🥇 **#1** in Arizona for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/mortgage-companies/fha-loans) ## Frequently Asked Questions ### What loan types does VELOCIO MORTGAGE L.L.C. offer? VELOCIO MORTGAGE L.L.C. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does VELOCIO MORTGAGE L.L.C. offer mortgages? VELOCIO MORTGAGE L.L.C. offers mortgages in 6 states: AZ, FL, NC, SC, TN, TX. ### How competitive are VELOCIO MORTGAGE L.L.C.'s mortgage rates? VELOCIO MORTGAGE L.L.C. has a pricing score of 96/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.852% below market average. ### What type of lender is VELOCIO MORTGAGE L.L.C.? VELOCIO MORTGAGE L.L.C. is a non-depository lender that specializes in mortgage origination, headquartered in DALLAS, TX. ### What is VELOCIO MORTGAGE L.L.C.'s loan approval success rate? VELOCIO MORTGAGE L.L.C. has a pull-through score of 85/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/velocio-mortgage ### How to Cite > "VELOCIO MORTGAGE L.L.C. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/velocio-mortgage --- **[View Interactive Profile →](https://saferate.com/lenders/velocio-mortgage)**