Velocity Financial (VEL) CFO sells 1,573 indirect shares

Rhea-AI Filing Summary

Velocity Financial, Inc. Chief Financial Officer Mark R. Szczepaniak reported a sale of 1,573 shares of Common Stock held through a family trust on June 26, 2026. The indirect shares were sold in multiple open-market transactions at a weighted average price of $18.0677, with individual prices ranging from $18.00 to $18.13. Following this sale, the family trust holds 68,400 shares indirectly, while Szczepaniak also reports 101,535 shares held directly.

Insider Trade Summary 10b5-1

Net Seller: 1,573 shares ($28,420)

Net Sell 2 txns

Insider Szczepaniak Mark R

Role Chief Financial Officer

Sold 1,573 shs ($28K)

Type	Security	Shares	Price	Value
Sale	Common Stock	1,573	$18.0677	$28K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 68,400 shares (Indirect, Held through family trust); Common Stock — 101,535 shares (Direct, null)

Footnotes (1)

1. [object Object]

Key Figures

Shares sold: 1,573 shares Weighted average sale price: $18.0677 per share Price range of sales: $18.00 to $18.13 +3 more

6 metrics

Shares sold 1,573 shares Indirect sale on June 26, 2026

Weighted average sale price $18.0677 per share Common Stock sale via family trust

Price range of sales $18.00 to $18.13 Multiple open-market transactions

Indirect holdings after transaction 68,400 shares Family trust position following sale

Direct holdings after transaction 101,535 shares Directly held Common Stock after reported date

Net shares sold 1,573 shares Net buy/sell shares in this Form 4

Key Terms

weighted average price, open-market sale, family trust, Common Stock

4 terms

weighted average price financial

"The price reported in column 4 is a weighted average price."

Weighted average price is the average price of a security where each trade or component is counted according to its size, so bigger trades pull the average more than smaller ones. Think of it like calculating the average cost of a grocery haul where items you bought more of have greater influence on the final per-item cost. Investors use it to understand the true average price paid or received, judge execution quality, and compare trading performance against market movement.

open-market sale financial

"transaction_action": "open-market sale""

An open-market sale is when a shareholder sells existing shares directly on a public exchange to any willing buyer, rather than through a private deal. Think of it like putting goods on a busy market stall where price is set by supply and demand; for investors it matters because such sales increase available supply, can put short-term downward pressure on the stock price, and signal changes in liquidity or investor confidence.

family trust financial

"nature_of_ownership": "Held through family trust""

Common Stock financial

"security_title": "Common Stock""

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 06/29/2026 - 10:20 AM Accepted by SEC EDGAR 06/29/2026 - 10:20 AM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

X

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Szczepaniak Mark R

(Last) (First) (Middle)

C/O VELOCITY FINANCIAL, INC.

2945 TOWNSGATE ROAD, SUITE 110

(Street)

WESTLAKE VILLAGE CALIFORNIA 91361

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Velocity Financial, Inc. [ VEL ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Financial Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/26/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	06/26/2026		S		1,573	D	$18.0677(1)	68,400	I	Held through family trust
Common Stock								101,535	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The price reported in column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $18.00 to $18.13. The reporting person undertakes to provide the Issuer, any securityholder of the Issuer or the staff of the Securities and Exchange Commission, upon request, the full information regarding the number of shares sold at each separate price within the ranges set forth in footnote (1) to this Form 4.

Remarks:

	/s/ Roland T. Kelly, by power of attorney	06/26/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What insider transaction did Velocity Financial (VEL) disclose for its CFO?

Velocity Financial disclosed that CFO Mark R. Szczepaniak reported a sale of 1,573 shares of Common Stock on June 26, 2026. The transaction involved shares held indirectly through a family trust and was executed as an open-market sale at a weighted average price.

How many Velocity Financial (VEL) shares did the CFO sell and at what price?

The CFO reported selling 1,573 shares of Velocity Financial Common Stock at a weighted average price of $18.0677 per share. The footnote states these shares were sold in multiple transactions, with individual prices ranging from $18.00 to $18.13 during the reported trading session.

How many Velocity Financial (VEL) shares does the CFO hold after this Form 4?

After the reported transactions, the CFO holds 68,400 shares indirectly through a family trust and 101,535 shares directly. These figures represent his reported ownership positions in Velocity Financial Common Stock following the June 26, 2026 sale disclosed in the Form 4.

Was the Velocity Financial (VEL) CFO sale made directly or through an entity?

The 1,573 shares of Velocity Financial Common Stock were sold indirectly through a family trust. The Form 4 identifies the nature of ownership as “Held through family trust,” indicating the transaction relates to an entity associated with the CFO rather than his direct personal account.

What does the weighted average price mean in the Velocity Financial (VEL) Form 4?

The weighted average price of $18.0677 reflects multiple trades executed between $18.00 and $18.13. The Form 4 footnote explains that the 1,573 shares were sold in several transactions and that detailed breakdowns by exact price are available from the issuer or SEC staff upon request.