Velocity Financial director receives stock grant

Schaefer Joy L. reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Schaefer Joy L. reported acquisition or exercise transactions in this Form 4 filing.

Velocity Financial, Inc. director Joy L. Schaefer received an annual grant of restricted common stock tied to her re-election to the company’s Board of Directors. The award covered 5,413 shares at a reference price of $17.55 per share, bringing her directly held stake to 44,401 shares.

Insider Trade Summary

Grant/Award: 5,413 shares

Grant/Award 1 txn

Insider Schaefer Joy L.

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	5,413	$17.55	$95K

Holdings After Transaction: Common Stock — 44,401 shares (Direct)

Footnotes (1)

1. F1. Annual grant of restricted stock upon re-election by our shareholders to Velocity's Board of Directors.

Key Figures

Restricted stock grant: 5,413 shares Grant reference price: $17.55 per share Post-transaction holdings: 44,401 shares

3 metrics

Restricted stock grant 5,413 shares Annual grant upon re-election to Board of Directors

Grant reference price $17.55 per share Valuation of restricted stock award

Post-transaction holdings 44,401 shares Common stock directly held after grant

Key Terms

restricted stock, Board of Directors, grant, award, or other acquisition

3 terms

restricted stock financial

"Annual grant of restricted stock upon re-election by our shareholders"

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

Board of Directors financial

"upon re-election by our shareholders to Velocity's Board of Directors"

The Board of Directors is a group of people chosen by a company's owners to help make big decisions and oversee how the company is run. They act like a team of advisors or managers, making sure the company stays on track and meets its goals. Their choices can influence the company's success and how it grows.

grant, award, or other acquisition financial

"transaction_code_description: Grant, award, or other acquisition"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did Velocity Financial (VEL) report for Joy L. Schaefer?

Velocity Financial reported that director Joy L. Schaefer received an annual grant of 5,413 shares of restricted common stock. The grant was awarded upon her re-election to the company’s Board of Directors as part of standard director equity compensation.

How many Velocity Financial shares did Joy L. Schaefer receive in this Form 4 filing?

Joy L. Schaefer received 5,413 shares of Velocity Financial common stock. These shares were granted as restricted stock tied to her re-election to the Board, rather than purchased on the open market, reflecting routine equity-based director compensation.

At what price was Joy L. Schaefer’s restricted stock grant in Velocity Financial valued?

The restricted stock grant to Joy L. Schaefer was valued at $17.55 per share. This price represents the reference value used in the Form 4, helping quantify the size of the annual director equity award associated with her re-election.

What is Joy L. Schaefer’s total Velocity Financial shareholding after this grant?

After the grant, Joy L. Schaefer directly holds 44,401 shares of Velocity Financial common stock. This total includes the newly awarded restricted shares and provides investors with a snapshot of her current direct equity stake in the company.

Was Joy L. Schaefer’s Velocity Financial transaction a market purchase or compensation grant?

The transaction was a compensation-related grant, not a market purchase. The Form 4 identifies it as a grant or award acquisition of restricted stock, tied to her re-election as a director on the Velocity Financial Board of Directors.

How often does Velocity Financial grant restricted stock to directors like Joy L. Schaefer?

The footnote describes this as an annual grant of restricted stock upon re-election to the Board. This indicates that such equity awards are part of Velocity Financial’s recurring director compensation structure following shareholder approval of a director’s re-election.

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

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Accepted by SEC EDGAR 05/22/2026 - 10:08 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).

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^*

Schaefer Joy L.

(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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/21/2026

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	05/21/2026		A(1)		5,413	A	$17.55	44,401	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. Annual grant of restricted stock upon re-election by our shareholders to Velocity's Board of Directors.

Remarks:

	/s/ Roland T. Kelly, by power of attorney	05/22/2026
	** 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)