Velocity Financial, Inc. SEC Filings

A holder of VEL common stock filed a Rule 144 notice to sell 15,934 shares through Morgan Stanley Smith Barney on or about December 16, 2025 on the NYSE. The filing lists an aggregate market value of $312,943.76 for this planned sale, alongside 38,900,030 VEL common shares outstanding.

The shares to be sold were acquired as equity compensation from the issuer, including 15,078 shares from restricted stock awards acquired on January 15, 2024 and 856 shares from performance stock units acquired on January 21, 2025. Payment for these awards is described as non-cash (N/A) in the notice.

Velocity Financial, Inc. reported that on December 16, 2025, it issued a press release announcing an agreement to sell $133.2 million in UPB of non-performing loans. The details of this agreement are provided in the press release filed as Exhibit 99 to this report. The company’s common stock, par value $0.01 per share, is listed on the New York Stock Exchange under the symbol VEL.

Velocity Financial, Inc. reported an insider stock sale by its Chief Legal Officer and General Counsel. On 12/02/2025, the executive sold 6,655 shares of Velocity Financial common stock in an open-market transaction coded "S" for a sale. The weighted average sale price was $19.3787 per share, with individual trades executed between $19.31 and $19.45 per share.

After this transaction, the reporting person beneficially owns 100,970 shares of Velocity Financial common stock, held directly. The sale was disclosed on a Form 4, which is required for officers to report changes in their ownership of company securities.

A shareholder of VEL has filed a notice to sell 6,655 common shares, with an aggregate market value of $128,965.25, through Morgan Stanley Smith Barney LLC on the NYSE, with an approximate sale date of 12/02/2025. The filing notes that 38,900,030 shares of the issuer’s common stock were outstanding. The shares to be sold were acquired partly via an open market purchase of 100 shares on 03/16/2020 paid in cash, and 6,555 shares from restricted stock vesting under a registered plan on 01/15/2022, also paid in cash. The signer represents that they are not aware of undisclosed material adverse information about the issuer’s current or prospective operations.

Velocity Financial, Inc. insider trading report: A Form 4/A discloses that the company’s Chief Financial Officer sold common stock on 12/01/2025. The filing shows a sale of 1,572 shares of Velocity Financial common stock at a weighted average price of $19.3442 per share, executed through a family trust.

After this transaction, the reporting person beneficially owns 46,967 shares indirectly through a family trust and 106,412 shares directly. The price is based on multiple trades within a range of $18.53 to $19.49, and full trade-by-trade details are available upon request to the company or the SEC staff.

Velocity Financial, Inc. filed an 8-K/A to add XBRL tagging and furnished management’s third quarter 2025 earnings presentation under Item 7.01 Regulation FD Disclosure, listed as Exhibit 99.

The presentation, dated November 6, 2025, is furnished and not filed, and therefore is not subject to Section 18 liabilities nor incorporated by reference unless expressly referenced.

Velocity Financial (NYSE: VEL)Exhibit 99. The presentation is dated November 6, 2025.

The furnished materials are not deemed filed for purposes of Section 18 of the Exchange Act and are not incorporated by reference into other filings unless specifically referenced. Exhibit 104 contains the cover page Inline XBRL data.

Velocity Financial, Inc. furnished an 8‑K announcing it issued a press release with financial results for the quarter ended September 30, 2025. The press release is included as Exhibit 99 and incorporated by reference.

The Item 2.02 information is furnished, not filed, which limits its use under Section 18 of the Exchange Act. The report lists Exhibit 99 and the Cover Page Interactive Data File as Exhibit 104. The filing was signed by Chief Legal Officer and General Counsel Roland T. Kelly.

Velocity Financial (VEL) reported stronger results for the quarter ended September 30, 2025. Net income rose to $25.4 million from $15.8 million a year ago, and diluted EPS increased to $0.65 from $0.44. Net interest income improved to $49.1 million from $35.1 million, reflecting higher interest income against portfolio and corporate funding costs. Other operating income was $37.1 million, driven by a $31.0 million unrealized gain on fair value loans and offset by losses on securitized debt and mortgage servicing rights.

Operating expenses increased to $50.4 million from $34.6 million, with higher compensation, servicing, securitization, and real estate owned costs. The provision for credit losses was $0.4 million versus a small reversal last year. On the balance sheet, total assets expanded to $7.0 billion from $5.5 billion at December 31, 2024, with loans at fair value at $4.37 billion. Total equity rose to $637.5 million from $520.2 million. Cash and equivalents were $99.0 million, and shares outstanding were 38,900,030 as of October 31, 2025.