VEL 8‑K: Q3 2025 results press release furnished under Item 2.02

Rhea-AI Filing Summary

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.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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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): November 6, 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
Common stock, par value $0.01 per share		VEL		NYSE Texas, Inc.

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 November 6, 2025, we issued a press release announcing financial results for the quarter ended September 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 November 6, 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: November 7, 2025				By:		/s/ Roland T. Kelly
						Roland T. Kelly
						Chief Legal Officer and General Counsel

FAQ

What did VEL announce in this 8‑K?

Velocity Financial furnished a press release containing financial results for the quarter ended September 30, 2025 as Exhibit 99.

Which 8‑K item applies to Velocity Financial (VEL)?

Item 2.02, Results of Operations and Financial Condition.

Is the information considered filed or furnished?

It is furnished under Item 2.02 and is not deemed filed under Section 18 of the Exchange Act.

What exhibits are included with VEL’s 8‑K?

Exhibit 99 (Press Release dated November 6, 2025) and Exhibit 104 (Cover Page Interactive Data File).

What period do the results cover for VEL?

The quarter ended September 30, 2025.

Who signed the 8‑K for Velocity Financial?

Roland T. Kelly, Chief Legal Officer and General Counsel.