[8-K] Velocity Financial, Inc. Reports Material Event

Rhea-AI Filing Summary

What: On August 7, 2025, Velocity Financial, Inc. (VEL) furnished a Form 8-K reporting issuance of a press release announcing financial results for the quarter ended June 30, 2025 (Exhibit 99).

Key points

• Press release attached as Exhibit 99 (dated August 7, 2025).
• Exhibit 104 is the cover page Interactive Data File (Inline XBRL).
• Information in Item 2.02 and Exhibit 99 is furnished and is not deemed filed under Section 18 or incorporated by reference.

Report is signed by Roland T. Kelly, Chief Legal Officer and General Counsel, dated August 7, 2025.

Insights

Financial Analyst

TL;DR: This Form 8-K furnishes a press release with Q2 2025 results; the 8-K itself contains no financial metrics.

The filing states Velocity Financial issued a press release dated August 7, 2025 announcing financial results for the quarter ended June 30, 2025, attached as Exhibit 99. The Form clarifies the disclosure is furnished and not subject to Section 18 filing liabilities. Exhibit 104 contains the Inline XBRL cover page. The 8-K contains no revenue, earnings, margin, guidance, or quantitative metrics; investors must consult Exhibit 99 for the substantive financials.

Corporate Governance Expert

TL;DR: Routine, procedural disclosure signed by General Counsel; no governance or leadership changes disclosed.

The document is an Item 2.02 results disclosure furnished on August 7, 2025 and lists Exhibits 99 and 104. It is signed by Roland T. Kelly, Chief Legal Officer and General Counsel. The filing does not report any officer or director changes, related-party transactions, or other governance actions within the text provided.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): August 7, 2025

Velocity Financial, Inc.

(Exact name of Registrant as Specified in Its Charter)

Delaware		001-39183		46-0659719
(State or Other Jurisdiction of Incorporation)		(Commission File Number)		(IRS Employer Identification No.)

2945 Townsgate Road, Suite 110
Westlake Village, California		91361
(Address of Principal Executive Offices)		(Zip Code)

Registrant’s Telephone Number, Including Area Code: (818) 532-3700

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common stock, par value $0.01 per share		VEL		The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On August 7, 2025, we issued a press release announcing financial results for the quarter ended June 30, 2025. The press release is attached as Exhibit 99 and is incorporated herein by reference.

The information provided in Item 2.02, including Exhibit 99, is intended to be furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any other filing under the Securities Act of 1933, as amended or the Securities Exchange Act of 1934, as amended.

Item 9.01 Exhibits.

Exhibit Number		Description
99		Press Release dated August 7, 2025
104		Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

				Velocity Financial, Inc.
Date: August 7, 2025				By:		/s/ Roland T. Kelly
						Roland T. Kelly
						Chief Legal Officer and General Counsel

FAQ

What does Velocity Financial (VEL) report in this Form 8-K?

The company furnished a press release announcing financial results for the quarter ended June 30, 2025, attached as Exhibit 99 (dated August 7, 2025).

When was the Form 8-K filed?

The report is dated and signed on August 7, 2025.

Is the information in the 8-K considered filed with the SEC?

No; the filing states the information in Item 2.02 and Exhibit 99 is furnished and shall not be deemed filed for purposes of Section 18 of the Exchange Act or incorporated by reference.

What exhibits are included with the 8-K?

Exhibit 99 is the press release dated August 7, 2025, and Exhibit 104 is the cover page Interactive Data File (Inline XBRL).

Who signed the Form 8-K for Velocity Financial?

The report is signed by Roland T. Kelly, Chief Legal Officer and General Counsel, on August 7, 2025.