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. filings document operating results, capital-structure actions and governance matters for a real estate finance company focused on investor and business-purpose loans. The company’s 8-K filings furnish quarterly and annual earnings releases, preliminary results and Regulation FD presentations covering loan portfolio growth, net income, core earnings, portfolio net interest margin and related risk disclosures tied to economic, real estate market and regulatory conditions.
Material-event filings also describe debt financing by wholly owned subsidiary Velocity Commercial Capital, LLC, including the completed issuance of 9.375% Senior Notes due 2031, the indenture, company guarantee and unregistered Rule 144A and Regulation S offering structure. Proxy filings cover annual meeting and shareholder voting matters for Velocity’s common stock.
Velocity Financial, Inc. executive Jeffrey T. Taylor, Executive VP, Capital Markets, reported selling 4,330 shares of common stock on 2026-08-11 in an open-market or private transaction under a Rule 10b5-1 trading plan at a weighted average price of $19.06 per share. After this sale, he directly holds 172,490 shares of Velocity Financial common stock.
Velocity Financial, Inc. Chief Accounting Officer Fiona Tam reported a sale of 1,232 shares of common stock on August 11, 2026, at $19.00 per share in an open-market or private transaction. Following this transaction, she holds 47,129 shares of Velocity Financial common stock directly. The transaction was affirmed as made under a Rule 10b5-1 trading plan.
Velocity Financial, Inc. reports a planned sale of 1,232 shares of common stock through Morgan Stanley Smith Barney LLC Executive Financial Services, with an aggregate market value of $22,557.92, expected on August 11, 2026 on the NYSE. These shares relate to restricted stock units acquired from the issuer on January 23, 2025. The filing also notes prior Rule 10b5-1 sales by Fiona Tam, including a sale of 68 common shares for $1,292.00 on July 7, 2026.
TAYLOR FAMILY TRUST, through Morgan Stanley Smith Barney LLC Executive Financial Services, plans to sell 4,330 shares of VEL common stock on the NYSE under Rule 144, with an indicated aggregate market value of $79,282.30 as of 08/11/2026. The shares relate to performance stock units originally involving the issuer dated 01/21/2025. The trust also conducted prior 10b5-1 plan sales of VEL common stock, including 2,165 shares on 07/07/2026 for $41,135.00 during the past three months.
VEL filed a notice of proposed sale of restricted or control securities under Rule 144. The filing covers 2,000 shares of common stock to be sold through Morgan Stanley Smith Barney LLC Executive Financial Services, with an indicated aggregate value of $36,920.00 on the NYSE as of August 10, 2026. It also lists prior 10b5-1 plan sales by SZCZEPANIAK FAMILY TRUST during the past three months.
Velocity Financial, Inc. reported that Chief Financial Officer Mark R. Szczepaniak sold 2,000 shares of common stock on 2026-08-10 at a weighted average price of $18.16 per share, with individual trade prices ranging from $18.11 to $18.22. The shares were indirectly held through a family trust, which held 64,400 shares after the sale. A separate holding entry shows 101,535 shares of common stock held directly. The transaction was reported as being made under a Rule 10b5-1 trading plan.
Velocity Financial, Inc. executive Kelly Roland Thomas, Chief Legal Officer and General Counsel, sold 1,600 shares of common stock on 2026-08-06 in an open-market transaction under a Rule 10b5-1 trading plan. The sale occurred through multiple trades at weighted-average prices between $18.355 and $18.72 per share, and Thomas now holds 95,794 shares directly.
Velocity Financial, Inc. reported that Chief Financial Officer Mark R. Szczepaniak, through a family trust, sold 400 shares of common stock on August 6, 2026 at a weighted-average price of $18.00 per share under a Rule 10b5-1 trading plan. The family trust held 66,400 shares afterward, and Szczepaniak also reported 101,535 shares held directly as of that date.
Velocity Financial, Inc., a lender focused on investor real estate loans, reported net income attributable to the company of $25,163 (in thousands) for the quarter ended June 30, 2026, versus $25,997 (in thousands) a year earlier. Diluted earnings per share were $0.64 compared with $0.69.
For the first six months of 2026, net income attributable to the company was $47,526 (in thousands) and diluted EPS was $1.21. Quarterly interest income rose to 160,986 (in thousands) from 135,567, and net interest income increased to 48,890 from 47,586, while other operating income grew to 47,078 from 39,847.
Total operating expenses for the quarter increased to 59,753 (in thousands), driven by higher compensation, loan servicing, and real estate owned costs. As of June 30, 2026, total assets were 7,963,130 (in thousands) and total equity 725,164. During the first half, the company issued unsecured senior notes and sold a pool of nonperforming loans into the 2026-MC2 Trust, receiving gross proceeds of $107.2 million, repaying $91.9 million of indebtedness, and recognizing a $754 thousand gain.
Velocity Financial, Inc. reported 2Q26 net income of $25.2 million, down 3.2% from $26.0 million a year earlier, with diluted EPS of $0.64 versus $0.69. Core net income was $27.9 million, up 1.4% year over year, and core diluted EPS was $0.71 versus $0.73. Portfolio net interest margin was 3.66%, 16 basis points lower than 3.82% in 2Q25, while diluted book value per share rose to $18.43 as of June 30, 2026, from $15.62 a year earlier, and adjusted diluted book value per share was $20.59.
Total loan portfolio unpaid principal balance reached $7.0 billion as of June 30, 2026, a 19.2% increase from $5.9 billion, with 2Q26 loan production of $672.6 million, down 7.3% year over year. Nonperforming loans were 9.6% of held-for-investment loans, improving from 10.3%, and the nonperforming loan allowance declined to $29.4 million from $60.0 million. The real estate owned portfolio grew to $142.1 million, or 2.0% of held-for-investment loans, with net gains from REO activity in the quarter.
Velocity completed the VCC 2026-2 securitization with $398.5 million of securities at a weighted average rate of 5.85% and the VCC 2026-MC2 nonperforming loan securitization generating $11.2 million of net proceeds. Liquidity totaled $240.0 million, including $76.1 million of cash and $163.9 million of available borrowings, and available warehouse capacity was $661.8 million. Recourse debt to equity was 1.2x, reflecting $500 million of unsecured debt issued in 1Q26 and higher warehouse utilization.