Velocio Mortgage, L.L.C. denied 4.0% of its 3,140 decisioned FHA applications in 2025 — rank #94 of the 100 largest FHA lenders, below the national rate of 21.7%. Source: complete CFPB HMDA 2025 federal record. Observed rates reflect applicant mix and channel as well as underwriting — not an endorsement or a warning.
Top cited reasons on denied files in 2025: debt-to-income (48.4%), insufficient cash (16.3%), credit history (13.7%) (shares of all cited reasons; a denied file may cite several). Reason codes record outcomes, not causes — context: the reason fingerprint.
Median rate on originated FHA purchase loans in 2025: 3.99%; median spread vs APOR: -1.876 (3,013 originations). Odds and price for all 60 largest doors: rates vs denial.
| State | FHA apps | Denial rate |
|---|---|---|
| TX | 1,820 | 4.5% |
| AZ | 784 | 2.3% |
Largest state markets (cells n≥100). State pages: the door map.
Nobody. Velocio Mortgage, L.L.C. did not pay to appear here and cannot pay to change this page. FinanceRateCalc is not a lender, has no lending partners, and sells no leads — tables are processed independently from federal filings by a former banker with 23 years of credit experience. Compare: all 100 lenders ranked · all 52 states · five myths vs the record.