Welcome to our dedicated page for Velocity Financial SEC filings (Ticker: VEL), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Velocity Financial, Inc. (NYSE: VEL) files a range of reports and disclosures with the U.S. Securities and Exchange Commission that provide detailed insight into its real estate finance business. As a company focused on business purpose and investor real estate loans, its SEC filings are a primary source for understanding loan portfolio composition, credit performance, securitization activity, liquidity and capital structure.
Current reports on Form 8-K are used to announce material events such as quarterly financial results, including net income, core net income, diluted and core diluted earnings per share, portfolio net interest margin, loan production volumes and nonperforming loan metrics. Form 8-K filings also document events like the sale of nonperforming loans, the establishment of a third-party servicing mandate, and the dual listing of the company’s common stock on NYSE Texas, Inc. alongside its New York Stock Exchange listing.
Investors reviewing Velocity’s SEC filings can use annual and quarterly reports, when available, to analyze segment disclosures, interest income, origination fee income, fair value gains, allowance for credit losses under CECL, and detailed tables on loan portfolio unpaid principal balance by property type. Filings also describe securitization transactions, warehouse line capacity, liquidity measures and equity issuance through an at-the-market program.
On this page, Stock Titan provides real-time access to Velocity Financial’s SEC submissions as they are posted to EDGAR, along with AI-powered summaries that explain the key points of lengthy documents in plain language. Users can quickly identify important items in earnings-related 8-Ks, track developments affecting nonperforming loans and real estate owned, and monitor disclosures related to securitizations and capital markets activity without reading every line of each filing.
Velocity Financial, Inc. (VEL) reports a large passive shareholder position by Beach Point entities. Beach Point Capital Management LP and Beach Point GP LLC together report beneficial ownership of 6,949,566 shares of Velocity Financial common stock, representing 17.9% of the class as of a base of 38,900,030 shares outstanding.
The stake includes 5,995,466 shares held for Beach Point clients and 954,100 shares underlying call options that are exercisable within 60 days. Beach Point has shared voting and dispositive power over these shares in its role as investment adviser but states that all securities are owned by its clients and disclaims beneficial ownership. The position is certified as being held in the ordinary course of business and not for the purpose of changing or influencing control of Velocity Financial.
Velocity Financial, Inc. insider Taylor Jeffrey T., Executive VP, Capital Markets, reported a sale of common stock. On February 2, 2026, he sold 1,772 shares of Velocity Financial common stock at a weighted average price of $20.33 per share. After this transaction, he beneficially owned 181,115 shares of common stock, held directly.
Velocity Financial, Inc. insider filing shows a small share sale by a family trust associated with the company’s Chief Financial Officer. On February 2, 2026, a family trust associated with CFO Mark R. Szczepaniak sold 1,573 shares of Velocity Financial common stock at a weighted average price of $20.5287 per share, with individual trade prices ranging from $20.395 to $20.68. After this transaction, the trust held 74,692 shares indirectly, while Szczepaniak also held 101,535 shares directly.
Velocity Financial, Inc., through its wholly owned unit Velocity Commercial Capital, completed a private offering of $500 million of 9.375% Senior Notes due 2031. The notes are senior unsecured obligations of the issuer and are fully and unconditionally guaranteed on a senior unsecured basis by Velocity Financial.
Interest on the notes is payable semi-annually on February 15 and August 15, beginning August 15, 2026. The notes are callable at premium prices starting February 15, 2028, and may also be redeemed earlier with an applicable premium or partially redeemed with equity offering proceeds. A change of control triggering event requires the issuer to offer to repurchase the notes at 101% of principal, and the indenture includes customary restrictive covenants and events of default.
Velocity Financial, Inc. insider tax-withholding transaction reported
Chief Legal Officer and General Counsel Roland Thomas Kelly reported a disposition of 16,170 shares of Velocity Financial common stock on January 28, 2026. The shares were withheld and retained by Velocity as payment for tax liabilities tied to vesting performance stock units.
Following this tax-withholding event, Kelly beneficially owned 118,994 shares of Velocity Financial common stock in direct ownership. The filing reflects an administrative share withholding for taxes rather than an open‑market trade.
Velocity Financial, Inc. reported that a family trust associated with Chief Executive Officer Christopher D. Farrar had 64,705 shares of common stock withheld on January 28, 2026 at $20.22 per share. The shares were retained by Velocity to cover tax liabilities from vesting performance stock units.
After this tax-withholding transaction, the family trust held 630,779 shares indirectly, while Farrar also held 404,665 shares directly.
Velocity Financial, Inc.’s Chief Financial Officer Mark R. Szczepaniak reported a routine tax-related share withholding on common stock. On January 28, 2026, Velocity withheld 23,540 common shares at $20.22 per share to cover tax liabilities from vesting performance stock units.
After this transaction, 76,265 common shares were held indirectly through a family trust and 101,535 common shares were held directly. The filing reflects tax settlement mechanics rather than an open-market purchase or sale.
Velocity Financial Executive VP reports tax-related share withholding. Executive VP, Capital Markets, Jeffrey T. Taylor had 18,575 shares of Velocity Financial common stock withheld on January 28, 2026, at $20.22 per share. These shares were retained by the company to pay tax liabilities from vesting of previously granted performance stock units. After this transaction, Taylor directly beneficially owned 182,887 Velocity Financial shares.
Velocity Financial, Inc. insider Tam Fiona, the Chief Accounting Officer, reported a tax-related share withholding transaction. On 01/28/2026, 4,251 shares of common stock were withheld at $20.22 per share to cover tax liabilities from vesting performance stock units. After this withholding, Fiona directly beneficially owns 48,429 shares of Velocity Financial common stock.
Velocity Financial, Inc., through its subsidiary Velocity Commercial Capital, LLC, agreed to issue and sell $500 million of 9.375% Senior Notes due 2031 in a private offering. The company plans to use about $222.7 million of net proceeds to redeem its 7.125% Senior Secured Notes due 2027 and the remainder for general corporate purposes, including possible repayment of warehouse and revolving facilities and up to $75 million toward a potential acquisition. The notes are senior unsecured, guaranteed by Velocity Financial, pay interest semi-annually starting August 15, 2026, and are callable on specified terms, with customary covenants and change-of-control protections.
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