Velocity Financial officer plans sale of 2,000 shares

Rhea-AI Filing Summary

Velocity Financial, Inc. (VEL) received a Rule 144 notice indicating that SZCZEPANIAK FAMILY TRUST U/A/D 08/10/2021, for the account of an officer, plans to sell up to 2,000 shares of common stock through Morgan Stanley Smith Barney LLC Executive Financial Services on the NYSE.

The shares to be sold are tied to Performance Stock Units dated January 21, 2025. The filing also lists recent 10b5-1 plan sales by the same trust, including separate transactions of 2,000 shares for $36,327.80 on August 10, 2026; 1,600 shares for $28,800.00 on August 6, 2026; 400 shares for $7,200.00 on July 28, 2026; and 1,573 shares for $28,420.49 on June 26, 2026.

Key Figures

Planned shares to be sold: 2,000 shares Planned sale venue: NYSE Recent sale on August 10, 2026: 2,000 shares for $36,327.80 +4 more

7 metrics

Planned shares to be sold 2,000 shares Common stock under the current Rule 144 notice

Planned sale venue NYSE Exchange where Velocity Financial common stock is listed for this sale

Recent sale on August 10, 2026 2,000 shares for $36,327.80 10b5-1 sale by SZCZEPANIAK FAMILY TRUST

Recent sale on August 6, 2026 1,600 shares for $28,800.00 10b5-1 sale by SZCZEPANIAK FAMILY TRUST

Recent sale on July 28, 2026 400 shares for $7,200.00 10b5-1 sale by SZCZEPANIAK FAMILY TRUST

Recent sale on June 26, 2026 1,573 shares for $28,420.49 10b5-1 sale by SZCZEPANIAK FAMILY TRUST

Performance Stock Units grant date January 21, 2025 Date associated with the common shares to be sold

Key Terms

Rule 144, Performance Stock Units, 10b5-1, Executive Financial Services

4 terms

Rule 144 regulatory

"See the definition of "person" in paragraph (a) of Rule 144."

Rule 144 is a U.S. securities regulation that sets conditions under which restricted or insider-held shares can be legally resold to the public, such as required holding periods, availability of public information, limits on how much can be sold at once, and certain filing requirements. For investors it matters because it determines when previously locked-up shares can enter the market — like a release valve that can increase supply, affect share price, and signal insider intent.

Performance Stock Units financial

"Common | 01/21/2025 | Performance Stock Units | Issuer"

Performance stock units are a type of company award that grants employees shares of stock only if certain performance goals are met. They motivate employees to work toward specific company achievements, aligning their interests with those of shareholders. For investors, they can influence a company's future stock supply and reflect management’s confidence in reaching key targets.

10b5-1 regulatory

"10b5-1 Sales for SZCZEPANIAK FAMILY TRUST U/A DTD 08/10/2021"

A 10b5-1 plan is a pre-set schedule that lets company insiders buy or sell shares according to written instructions made when they do not possess material, nonpublic information. Think of it as a timed automatic payment for stock trades: it helps insiders avoid accusations of trading on secret information and gives outside investors a clearer signal about whether sales are routine or potentially informative about the company’s prospects.

Executive Financial Services financial

"Morgan Stanley Smith Barney LLC Executive Financial Services 1 New York Plaza"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What does the Form 144 filing disclose for Velocity Financial, Inc. (VEL)?

The filing states that SZCZEPANIAK FAMILY TRUST U/A/D 08/10/2021, for the account of an officer, plans to sell up to 2,000 shares of Velocity Financial common stock under Rule 144 through Morgan Stanley Smith Barney LLC on the NYSE.

How many VEL shares are planned to be sold under this Rule 144 notice?

The notice covers a proposed sale of up to 2,000 shares of Velocity Financial common stock. These shares are linked to Performance Stock Units with a grant date of January 21, 2025.

Who is the selling security holder in this Velocity Financial (VEL) Form 144?

The selling holder is SZCZEPANIAK FAMILY TRUST U/A/D 08/10/2021, associated with an officer of Velocity Financial, Inc. Mark R. Szczepaniak signed the notice on behalf of the trust.

Which broker is handling the planned sale of VEL shares?

The planned sale of Velocity Financial common stock is to be executed through Morgan Stanley Smith Barney LLC Executive Financial Services, located at 1 New York Plaza, 8th Floor, New York, NY 10004.

What recent 10b5-1 plan sales of VEL shares does the Form 144 list?

The filing lists 10b5-1 sales by the trust of 2,000 shares for $36,327.80 on August 10, 2026; 1,600 shares for $28,800.00 on August 6, 2026; 400 shares for $7,200.00 on July 28, 2026; and 1,573 shares for $28,420.49 on June 26, 2026.

What type of equity award is associated with the VEL shares to be sold?

The 2,000 shares of Velocity Financial common stock covered by the notice are associated with Performance Stock Units dated January 21, 2025, with Velocity Financial, Inc. listed as the issuer.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/10/2026 - 04:45 PM Accepted by SEC EDGAR 09/10/2026 - 04:44 PM Learn about SEC filing dates

Form 144 Filer Information	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 144 NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933
FORM 144

144: Filer Information

Filer CIK	0001794812
Filer CCC	XXXXXXXX
Is this a LIVE or TEST Filing?	LIVE TEST
Submission Contact Information
Name
Phone
E-Mail Address

144: Issuer Information

Name of Issuer	VELOCITY FINANCIAL INC
SEC File Number	001-39183
Address of Issuer	2945 Townsgate Road, Suite 110 Westlake Village CALIFORNIA 91361
Phone	8185323700
Name of Person for Whose Account the Securities are To Be Sold	SZCZEPANIAK FAMILY TRUST U/A/D 08/10/2021
See the definition of "person" in paragraph (a) of Rule 144. Information is to be given not only as to the person for whose account the securities are to be sold but also as to all other persons included in that definition. In addition, information shall be given as to sales by all persons whose sales are required by paragraph (e) of Rule 144 to be aggregated with sales for the account of the person filing this notice.
Relationship to Issuer	Officer

144: Securities Information

Title of the Class of Securities To Be Sold	Name and Address of the Broker	Number of Shares or Other Units To Be Sold	Aggregate Market Value	Number of Shares or Other Units Outstanding	Approximate Date of Sale	Name the Securities Exchange
Common	Morgan Stanley Smith Barney LLC Executive Financial Services 1 New York Plaza 8th Floor New York NY 10004	2000	36220.00	39481457	09/10/2026	NYSE

Furnish the following information with respect to the acquisition of the securities to be sold and with respect to the payment of all or any part of the purchase price or other consideration therefor:

144: Securities To Be Sold

Title of the Class	Date you Acquired	Nature of Acquisition Transaction	Name of Person from Whom Acquired	Is this a Gift?	Date Donor Acquired	Amount of Securities Acquired	Date of Payment	Nature of Payment *
Common	01/21/2025	Performance Stock Units	Issuer			2000	01/21/2025	N/A

* If the securities were purchased and full payment therefor was not made in cash at the time of purchase, explain in the table or in a note thereto the nature of the consideration given. If the consideration consisted of any note or other obligation, or if payment was made in installments describe the arrangement and state when the note or other obligation was discharged in full or the last installment paid.

Furnish the following information as to all securities of the issuer sold during the past 3 months by the person for whose account the securities are to be sold.

144: Securities Sold During The Past 3 Months

Name and Address of Seller	Title of Securities Sold	Date of Sale	Amount of Securities Sold	Gross Proceeds
10b5-1 Sales for SZCZEPANIAK FAMILY TRUST U/A DTD 08/10/2021 2945 Townsgate Road, Suite 110 Westlake Village CA 91361	Common	08/10/2026	2000	36327.80
10b5-1 Sales for SZCZEPANIAK FAMILY TRUST U/A DTD 08/10/2021 2945 Townsgate Road, Suite 110 Westlake Village CA 91361	Common	08/06/2026	1600	28800.00
10b5-1 Sales for SZCZEPANIAK FAMILY TRUST U/A DTD 08/10/2021 2945 Townsgate Road, Suite 110 Westlake Village CA 91361	Common	07/28/2026	400	7200.00
10b5-1 Sales for SZCZEPANIAK FAMILY TRUST U/A DTD 08/10/2021 2945 Townsgate Road, Suite 110 Westlake Village CA 91361	Common	06/26/2026	1573	28420.49

144: Remarks and Signature

Remarks
Date of Notice	09/10/2026
Date of Plan Adoption or Giving of Instruction, If Relying on Rule 10b5-1	03/19/2026
ATTENTION:
The person for whose account the securities to which this notice relates are to be sold hereby represents by signing this notice that he does not know any material adverse information in regard to the current and prospective operations of the Issuer of the securities to be sold which has not been publicly disclosed. If such person has adopted a written trading plan or given trading instructions to satisfy Rule 10b5-1 under the Exchange Act, by signing the form and indicating the date that the plan was adopted or the instruction given, that person makes such representation as of the plan adoption or instruction date.
Signature	/s/ Mark R Szczepaniak
ATTENTION: Intentional misstatements or omission of facts constitute Federal Criminal Violations (See 18 U.S.C. 1001)