Velocity Financial (VEL) CAO Tam sells 1,232 shares in 10b5-1 trade

Rhea-AI Filing Summary

Velocity Financial, Inc. Chief Accounting Officer Fiona Tam reported a sale of 1,232 shares of common stock on August 11, 2026, at $19.00 per share in an open-market or private transaction. Following this transaction, she holds 47,129 shares of Velocity Financial common stock directly. The transaction was affirmed as made under a Rule 10b5-1 trading plan.

Insider Trade Summary 10b5-1

Net Seller: 1,232 shares

Net Sell 1 txn

Insider Tam Fiona

Role Chief Accounting Officer

Sold 1,232 shs ($23K)

Type	Security	Shares	Price	Value
Sale	Common Stock	1,232	$19.00	$23K

Holdings After Transaction: Common Stock — 47,129 shares (Direct)

Key Figures

Shares sold: 1,232 shares Sale price: $19.00 per share Shares owned after sale: 47,129 shares +1 more

4 metrics

Shares sold 1,232 shares Common stock sale reported on August 11, 2026

Sale price $19.00 per share Price for the 1,232 common shares sold

Shares owned after sale 47,129 shares Directly held common stock following the transaction

Net buy/sell shares 1,232 shares Net shares sold across all transactions in this filing

Key Terms

Rule 10b5-1 trading plan, open market or private transaction, Chief Accounting Officer

3 terms

Rule 10b5-1 trading plan regulatory

"The transaction was affirmed as made under a Rule 10b5-1 trading plan."

A Rule 10b5-1 trading plan is a pre-arranged schedule that allows company insiders to buy or sell stock at specific times, even if they have inside information. It helps prevent accusations of unfair trading by making these transactions look planned and transparent, rather than sneaky or illegal.

open market or private transaction financial

"Sale in open market or private transaction at $19.00 per share."

Chief Accounting Officer financial

"Tam is identified as the Chief Accounting Officer of Velocity Financial, Inc."

A chief accounting officer is a senior executive responsible for overseeing a company's financial records and ensuring all accounting practices are accurate and compliant with regulations. They play a key role in preparing financial reports that help investors understand the company's financial health, much like a trusted navigator guiding a ship through complex waters. Their work ensures transparency and trust in the company's financial information.

FAQ

What insider transaction did Velocity Financial (VEL) disclose for Fiona Tam?

Velocity Financial reported that Chief Accounting Officer Fiona Tam sold 1,232 shares of common stock on August 11, 2026. The sale was reported as an open-market or private transaction at $19.00 per share under a Rule 10b5-1 trading plan.

How many Velocity Financial (VEL) shares did Fiona Tam sell and at what price?

Fiona Tam sold 1,232 shares of Velocity Financial common stock at $19.00 per share. The transaction was coded as a sale in an open-market or private transaction and was affirmed as occurring under a Rule 10b5-1 trading plan.

How many Velocity Financial (VEL) shares does Fiona Tam own after the reported sale?

After the reported sale, Fiona Tam directly owns 47,129 shares of Velocity Financial common stock. This post-transaction holding reflects the remaining shares reported following the disposition of 1,232 shares on August 11, 2026.

Was the Velocity Financial (VEL) insider sale made under a Rule 10b5-1 plan?

Yes. The filing indicates the transaction was made under a Rule 10b5-1 trading plan. This checkbox affirmation means the sale of 1,232 shares at $19.00 per share followed a pre-arranged trading plan for the reporting person.

What role does Fiona Tam hold at Velocity Financial (VEL)?

Fiona Tam is identified as the Chief Accounting Officer of Velocity Financial, Inc. She is an officer but not a director or 10% owner, and her position is disclosed alongside the reported sale of 1,232 common shares.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 08/11/2026 - 07:57 PM Accepted by SEC EDGAR 08/11/2026 - 07:56 PM 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^*

Tam Fiona

(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 Accounting Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
08/11/2026

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	08/11/2026		S		1,232	D	$19	47,129	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:

Remarks:

	/s/ Roland T. Kelly, by power of attorney	08/11/2026
	** 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)