Velocity Financial (NYSE: VEL) EVP uses shares to cover taxes

Rhea-AI Filing Summary

Velocity Financial Executive VP reports tax-related share withholding. Executive VP, Capital Markets, Jeffrey T. Taylor had 18,575 shares of Velocity Financial common stock withheld on January 28, 2026, at $20.22 per share. These shares were retained by the company to pay tax liabilities from vesting of previously granted performance stock units. After this transaction, Taylor directly beneficially owned 182,887 Velocity Financial shares.

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

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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).

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^*

Taylor Jeffrey T.

(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)
	Executive VP, Capital Markets

3. Date of Earliest Transaction (Month/Day/Year)
01/28/2026

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	01/28/2026		F(1)		18,575	D	$20.22	182,887	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. Shares withheld and retained by Velocity as payment for tax liabilities resulting from the vesting of previously granted PSUs.

Remarks:

	/s/ Roland T. Kelly, by power of attorney	01/29/2026
	** 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 28, 2026?

Velocity Financial reported that Executive VP, Capital Markets, Jeffrey T. Taylor had 18,575 common shares withheld on January 28, 2026. The company retained these shares to satisfy tax liabilities from vesting performance stock units, rather than them being sold on the open market.

Who is the insider involved in the latest Velocity Financial (VEL) Form 4 filing?

The insider is Jeffrey T. Taylor, Executive VP, Capital Markets at Velocity Financial. He reported a tax-withholding transaction involving 18,575 common shares, leaving him with direct beneficial ownership of 182,887 shares after the event disclosed in the Form 4 filing.

How many Velocity Financial (VEL) shares does Jeffrey T. Taylor own after the reported transaction?

After the reported transaction, Jeffrey T. Taylor directly beneficially owns 182,887 shares of Velocity Financial common stock. This figure reflects his holdings following the withholding of 18,575 shares used to cover tax obligations from vesting performance stock units.

Was the Velocity Financial (VEL) insider transaction an open-market sale?

No, the transaction was not an open-market sale. The 18,575 shares were withheld and retained by Velocity Financial to pay tax liabilities tied to vesting performance stock units, a common administrative mechanism rather than a discretionary sale into the market.

What does transaction code "F" mean in the Velocity Financial (VEL) Form 4?

Transaction code “F” indicates shares were withheld to satisfy tax obligations related to an equity award. In this case, 18,575 Velocity Financial common shares were retained by the company to cover taxes when previously granted performance stock units vested for the executive.