VELOCITY Credit Union
VELOCITY Credit Union received 265 applications in 2025 and made 121 mortgages, in 26 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $105,000. Of 204 decisions, 81 were denials — 39.7%, most often for credit history.
| Legal Entity Identifier | 5493001C1MX62NVN0U50 |
|---|---|
| Applications received | 265 |
| Mortgages made | 121 |
| Denied | 81 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 61 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.345 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 21 | 6.125% | $425,000 | 4.4% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Cash-out refinancing | 87 | 6.500% | $85,000 | 46.7% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 22.2% |
Where VELOCITY Credit Union lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Travis County, TX | 59 | 6.375% | 41.0% |
| Williamson County, TX | 35 | 6.500% | 23.4% |
| Hays County, TX | 11 | 6.250% | 45.5% |
| Bell County, TX | 4 | Under 10 loans | 20.0% |
| Bastrop County, TX | 2 | Under 10 loans | 77.8% |
| Bexar County, TX | 2 | Under 10 loans | 33.3% |
| Aransas County, TX | 1 | Under 10 loans | 0.0% |
| Collin County, TX | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 50.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Henderson County, TX | 1 | Under 10 loans | 0.0% |
| Llano County, TX | 1 | Under 10 loans | 0.0% |
| McLennan County, TX | 1 | Under 10 loans | 0.0% |
| Washington County, TX | 1 | Under 10 loans | 0.0% |
| Blanco County, TX | 0 | Under 10 loans | 100.0% |
| Caldwell County, TX | 0 | Under 10 loans | Not published |
| Coryell County, TX | 0 | Under 10 loans | 100.0% |
| Harris County, TX | 0 | Under 10 loans | 100.0% |
| Kaufman County, TX | 0 | Under 10 loans | 100.0% |
| Kendall County, TX | 0 | Under 10 loans | Not published |
| Kerr County, TX | 0 | Under 10 loans | 100.0% |
| La Salle County, TX | 0 | Under 10 loans | Not published |
| Lee County, TX | 0 | Under 10 loans | 100.0% |
| Parker County, TX | 0 | Under 10 loans | 100.0% |
| Walker County, TX | 0 | Under 10 loans | Not published |
| Wilson County, TX | 0 | Under 10 loans | 100.0% |
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When VELOCITY Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.