Velocity Financial (NYSE: VEL) CFO logs Form 4 family trust sale

Rhea-AI Filing Summary

Velocity Financial, Inc. insider activity: Chief Financial Officer Mark R. Szczepaniak reported a sale of common stock on 01/15/2026. A family trust associated with him sold 1,573 shares of Velocity Financial common stock at a weighted average price of $19.5085 per share, with individual trades executed between $19.22 and $19.82.

Following this transaction, the filing shows 49,929 shares of common stock held indirectly through a family trust and 99,194 shares held directly. This Form 4 reflects a routine disclosure of insider holdings and a relatively small sale compared with the total reported ownership.

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

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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 CA 91361

(City) (State) (Zip)

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

3. Date of Earliest Transaction (Month/Day/Year)
01/15/2026

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

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

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

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	01/15/2026		S		1,573	D	$19.5085(1)	49,929	I	Held through family trust
Common Stock								99,194	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 $19.22 to $19.82. 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	01/15/2026
	** 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.

FAQ

What insider transaction did Velocity Financial (VEL) report on January 15, 2026?

Velocity Financial’s Chief Financial Officer, Mark R. Szczepaniak, reported that on 01/15/2026 a family trust associated with him sold 1,573 shares of the company’s common stock in an open-market transaction.

What price did the Velocity Financial (VEL) insider shares sell for?

The reported sale of 1,573 shares of Velocity Financial common stock was executed at a weighted average price of $19.5085 per share, with individual trades occurring in a range from $19.22 to $19.82.

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

After the reported sale, the filing shows 49,929 shares of Velocity Financial common stock held indirectly through a family trust and an additional 99,194 shares held directly by Chief Financial Officer Mark R. Szczepaniak.

How are the sold Velocity Financial (VEL) shares held according to the Form 4?

The 1,573 shares sold on 01/15/2026 are reported as being held indirectly, with the nature of ownership described as “Held through family trust.”

Does the Velocity Financial (VEL) Form 4 explain the sale price range for the insider transaction?

Yes. A footnote states that the price in column 4 is a weighted average, and that the 1,573 shares were sold in multiple transactions at prices ranging from $19.22 to $19.82, with full trade details available upon request.

Who is the reporting person in this Velocity Financial (VEL) Form 4 filing?

The reporting person is Mark R. Szczepaniak, who serves as Chief Financial Officer of Velocity Financial, Inc., and the filing reports both his direct and indirect holdings of common stock.