Velocity Financial is a vertically integrated real estate finance company that originates, securitizes, and manages a portfolio of loans secured primarily by residential rental and multifamily properties across the United States. The company serves individual real estate investors through an extensive network of independent mortgage brokers and direct relationships, offering primarily 30-year fixed-rate mortgages along with shorter-term interest-only loans and government-insured multifamily financing through a majority-owned subsidiary. It generates revenue through net interest spreads between the interest income earned on its loan portfolio and the cost of financing those loans, with originations typically securitized once sufficient volume accumulates, while pursuing growth through both broker relationship expansion and selective acquisitions.