Velocity (NYSE: VEL) EVP has shares withheld to cover tax on vesting

Rhea-AI Filing Summary

Velocity Financial, Inc. Executive VP of Capital Markets Taylor Jeffrey T. reported a Form 4 transaction involving company common stock. On 01/13/2026, 3,459 shares were withheld and retained by Velocity as payment for tax liabilities arising from the vesting of previously granted restricted stock, at a price of $18.70 per share. This reflects a tax-related withholding rather than an open-market sale.

After this transaction, Taylor Jeffrey T. beneficially owned 155,213 shares of Velocity common stock in direct form.

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)
01/13/2026

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	01/13/2026		F(1)		3,459	D	$18.7	155,213	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:

	/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).
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FAQ

What insider transaction did Velocity Financial (VEL) report in this Form 4?

The Form 4 reports that Executive VP of Capital Markets Taylor Jeffrey T. had 3,459 shares of Velocity common stock withheld on 01/13/2026 to cover tax liabilities from vesting restricted stock, at $18.70 per share.

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

No. The footnote explains that the 3,459 shares were withheld and retained by Velocity as payment for tax liabilities from the vesting of previously granted restricted stock, rather than sold in the open market.

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

Following the reported tax withholding transaction, Taylor Jeffrey T. beneficially owned 155,213 shares of Velocity Financial common stock in direct ownership.

What is the role of Taylor Jeffrey T. at Velocity Financial (VEL)?

According to the filing, Taylor Jeffrey T. is an officer of Velocity Financial, serving as Executive VP, Capital Markets.

How is the insider ownership classified in this Velocity Financial (VEL) Form 4?

The Form 4 indicates that the 155,213 shares beneficially owned following the transaction are held with direct ownership by Taylor Jeffrey T.

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

The transaction is coded "F", and the footnote clarifies this reflects shares withheld and retained by Velocity to satisfy tax liabilities from the vesting of previously granted restricted stock.