VEL furnishes Q3 2025 earnings deck as Exhibit 99

Rhea-AI Filing Summary

Velocity Financial (NYSE: VEL)Exhibit 99. The presentation is dated November 6, 2025.

The furnished materials are not deemed filed for purposes of Section 18 of the Exchange Act and are not incorporated by reference into other filings unless specifically referenced. Exhibit 104 contains the cover page Inline XBRL data.

11/07/2025 - 02:41 PM

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 06, 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
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 7.01 Regulation FD Disclosure.

We posted to our Investor Relations website, www.velfinance.com, management's third 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 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, 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
			Chief Legal Officer and General Counsel

FAQ

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

The company furnished an Item 7.01 Regulation FD update noting management’s Q3 2025 earnings presentation is posted on its IR website and attached as Exhibit 99.

Which exhibit contains the Q3 2025 earnings presentation for VEL?

Exhibit 99 contains the management presentation dated November 6, 2025.

Is the information in this 8-K considered filed or furnished?

It is furnished, not filed, and therefore is not subject to Section 18 liabilities and is not incorporated by reference unless expressly stated.

Where can investors access Velocity Financial’s Q3 2025 presentation?

On the company’s Investor Relations website and within Exhibit 99 of the 8-K.

What is included in Exhibit 104 of VEL’s 8-K?

Exhibit 104 includes the cover page Inline XBRL data file.

What Regulation FD item applies to this VEL disclosure?

Item 7.01 Regulation FD Disclosure.