Velocity Financial (NYSE: VEL) CEO logs 25,681-share tax withholding

Rhea-AI Filing Summary

Velocity Financial CEO Christopher D. Farrar reported an insider tax-withholding transaction involving 25,681 shares of common stock at $19.53 per share on January 21, 2026. The shares were withheld and retained by Velocity Financial to cover tax liabilities arising from the vesting of previously granted restricted stock, rather than sold in the open market.

After this transaction, 538,877 shares of common stock were reported as indirectly owned through a family trust, and 498,711 shares were reported as directly owned. Farrar is listed as both a director and the Chief Executive Officer of Velocity Financial.

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^*

Farrar Christopher D.

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
01/21/2026

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	01/21/2026		F(1)		25,681	D	$19.53	538,877	I	Held by family trust
Common Stock								498,711	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 restricted stock.

Remarks:

Shares withheld and retained by Velocity as payment for tax liabilities resulting from the vesting of previously granted restricted stock.

	/s/ Roland T. Kelly, by power of attorney	01/22/2026
	** 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.
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FAQ

What insider transaction did Velocity Financial (VEL) report for its CEO?

The filing shows that Christopher D. Farrar, Velocity Financial's CEO and director, reported a transaction involving 25,681 shares of common stock on January 21, 2026.

Was the 25,681-share change for VEL stock an open-market sale?

No. The 25,681 shares were withheld and retained by Velocity Financial as payment for tax liabilities from the vesting of previously granted restricted stock, rather than sold on the market.

At what price were the shares withheld in the Velocity Financial Form 4?

The Form 4 reports that the 25,681 common shares were valued at $19.53 per share for the tax-withholding transaction.

How many Velocity Financial shares does the CEO report owning after the transaction?

Following the reported transaction, 538,877 shares of Velocity Financial common stock were reported as indirectly owned through a family trust, and 498,711 shares were reported as directly owned.

How are the indirect Velocity Financial shares held for the CEO?

The Form 4 notes that 538,877 shares are held indirectly and described as "Held by family trust", indicating the position is reported through that trust.

What is Christopher D. Farrar’s role at Velocity Financial (VEL)?

Christopher D. Farrar is identified in the filing as both a director and the Chief Executive Officer of Velocity Financial, Inc.