VEL 8-K: Q2 2025 Management Presentation Furnished as Exhibit 99

Rhea-AI Filing Summary

Velocity Financial, Inc. posted its management presentation for the second quarter of 2025 on its Investor Relations website, furnishing the slide deck as Exhibit 99 and including an interactive cover page data file as Exhibit 104. The company states the presentation is being furnished under Regulation FD and explicitly notes it is not intended to be "filed" for purposes of Section 18 nor incorporated by reference into other filings except by specific reference. This disclosure makes the management presentation publicly accessible to investors and provides the companys prepared materials for Q2 2025 results.

Insights

Financial Analyst

TL;DR: Routine Regulation FD furnishing of the Q2 2025 management presentation; provides public access to management materials without creating new filing liabilities.

The company furnished its Q2 2025 earnings presentation as Exhibit 99 and included an Inline XBRL cover page as Exhibit 104. This is a standard disclosure practice to distribute prepared materials to investors and analysts while limiting legal filing exposure by stating the materials are "furnished" not "filed." The action itself is informational and does not on its face change reported results, capital structure, or liabilities disclosed elsewhere.

Corporate Governance / IR Specialist

TL;DR: Investor relations update improves transparency but is procedural; explicit non-incorporation language preserves legal boundaries.

Posting the management presentation on the companys IR site and furnishing it as Exhibit 99 aligns with Regulation FD practices to ensure fair public access to management commentary. The filing reiterates the materials are furnished and not filed for Section 18 purposes, which is standard to avoid automatic incorporation into other SEC filings. This is a governance- and disclosure-process event rather than a material operational change.

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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): May 01, 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

(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 7.01 Regulation FD Disclosure.

We posted to our Investor Relations website, www.velfinance.com, management's second quarter 2025 earnings presentation. A copy of the presentation is furnished as Exhibit 99 and is incorporated herein by reference.

The information provided in this Form 8-K, including Exhibit 99, is intended to be furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act, 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 or the Securities Exchange Act, except as expressly set forth by specific reference in such a filing.

Item 9.01 Financial Statements and Exhibits.

Exhibit Number		Description
99		Management Presentation 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, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

			Velocity Financial, Inc.
Date:	August 8, 2025	By:	/s/ Roland T. Kelly
			Chief Legal Officer and General Counsel

FAQ

What did Velocity Financial (VEL) disclose in this Form 8-K?

Velocity Financial furnished its Q2 2025 management earnings presentation to its Investor Relations website and listed it as Exhibit 99, with an Inline XBRL cover page as Exhibit 104.

Where can investors find the Q2 2025 presentation from VEL?

The presentation is posted on Velocity Financials Investor Relations website at www.velfinance.com, as stated in the filing.

Is the furnished presentation considered "filed" with the SEC?

No. The company states the information, including Exhibit 99, is furnished and shall not be deemed filed for purposes of Section 18, nor incorporated by reference except by specific reference.

What exhibits were included in the 8-K for VEL?

Exhibit 99: Management Presentation dated August 7, 2025; Exhibit 104: Cover Page Interactive Data File (Inline XBRL).

What is the stated date of the earliest event reported in this 8-K?

The filing lists the Date of Report (Date of earliest event reported) as May 01, 2025.