Velocity Financial (NYSE: VEL) furnishes Q4 and full-year 2025 results

Rhea-AI Filing Summary

Velocity Financial, Inc. filed a current report to share that it has released its financial results for the quarter and year ended December 31, 2025. On March 11, 2026, the company issued a press release with these results, which is attached as Exhibit 99 and incorporated by reference.

The disclosure is furnished under Item 2.02, meaning it is provided for informational purposes and is not deemed filed under certain liability provisions of the securities laws. The filing also includes an Inline XBRL cover page data file as Exhibit 104.

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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): March 11, 2026

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
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 March 11, 2026 we issued a press release announcing financial results for the quarter and year ended December 31, 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 March 11, 2026
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: March 12, 2026				By:		/s/ Roland T. Kelly
						Roland T. Kelly
						Chief Legal Officer and General Counsel

FAQ

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

Velocity Financial, Inc. furnished an update that it issued a press release with its financial results for the quarter and year ended December 31, 2025, attaching that release as Exhibit 99 to the report.

Which period’s results are covered in Velocity Financial’s March 11, 2026 press release?

The press release covers Velocity Financial’s financial results for the quarter and full year ended December 31, 2025, providing investors with a summary of company performance for that completed fiscal period.

Under which item did Velocity Financial, Inc. furnish its earnings information?

Velocity Financial, Inc. furnished its earnings-related information under Item 2.02, Results of Operations and Financial Condition, indicating the information is provided for disclosure purposes but not deemed filed under certain liability provisions.

What exhibits are included with Velocity Financial, Inc.’s 8-K filing for VEL?

The 8-K includes Exhibit 99, which is the press release dated March 11, 2026, and Exhibit 104, the cover page interactive data file embedded within the Inline XBRL version of the document.

Is the Velocity Financial, Inc. earnings press release deemed filed with the SEC?

The earnings press release furnished by Velocity Financial, Inc. under Item 2.02 is described as furnished, not filed, meaning it is not subject to certain liabilities under Section 18 of the Securities Exchange Act of 1934.

Filing Exhibits & Attachments

4 documents

Press Releases

• EX-99 EX-99 442.2 KB

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA 2.8 KB
• EX-101 XBRL TAXONOMY EXTENSION LABEL LINKBASE 17.6 KB
• EX-101 XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE 11.0 KB