Velocity Financial CFO sells 2,000 shares

Velocity Financial’s CFO sold 2,000 shares via a family trust under a Rule 10b5-1 plan while retaining sizable direct and indirect holdings.

Available on EDGAR 09/10/2026 - 06:34 PM EDT Accepted by SEC EDGAR 09/10/2026 - 06:34 PM EDT Learn about SEC filing dates

Rhea-AI Filing Summary

Velocity Financial, Inc. (VEL) reported that Chief Financial Officer Mark R. Szczepaniak sold 2,000 shares of common stock on September 10, 2026 in a sale reported as either an open market or private transaction at a weighted average price of $18.03 per share. The shares were sold indirectly through a family trust, which held 64,400 shares after the sale, while an additional 101,535 shares were reported as held directly. The transactions were effected pursuant to a Rule 10b5-1 trading plan.

Insider Trade Summary 10b5-1

Net Seller: 2,000 shares

Net Sell 1 txn

Insider Szczepaniak Mark R

Role Chief Financial Officer

Sold 2,000 shs ($36K)

Share of Position Sold 3.0%

Type	Security	Shares	Price	Value
Sale	Common Stock F1	2,000	$18.03	$36K
Holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 64,400 shares (Indirect, Held through family trust); Common Stock — 101,535 shares (Direct)

Holdings Before and After: Common Stock, 66,400 to 64,400 shares (Indirect, Held through family trust)

Other Insiders: 1 other insider reported open-market sales of this stock in the 30 days up to this filing.

Footnotes (1)

1. F1. The price reported in column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $18.03 to $18.03. 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.

Key Figures

Shares sold: 2,000 shares Weighted average sale price: $18.03 per share Indirect holdings after sale: 64,400 shares +2 more

5 metrics

Shares sold 2,000 shares Common stock sold on September 10, 2026 by the CFO via family trust

Weighted average sale price $18.03 per share Average price for 2,000 shares sold on September 10, 2026

Indirect holdings after sale 64,400 shares Common stock held through a family trust after the reported sale

Direct holdings 101,535 shares Common stock held directly by the CFO as of September 10, 2026

Net shares sold in filing 2,000 shares Net effect of reported buy/sell transactions in this Form 4

Key Terms

weighted average price, family trust, Rule 10b5-1 trading plan

3 terms

weighted average price financial

"The price reported in column 4 is a weighted average price."

Weighted average price is the average price of a security where each trade or component is counted according to its size, so bigger trades pull the average more than smaller ones. Think of it like calculating the average cost of a grocery haul where items you bought more of have greater influence on the final per-item cost. Investors use it to understand the true average price paid or received, judge execution quality, and compare trading performance against market movement.

family trust financial

"Indirect ownership is reported as held through a family trust."

Rule 10b5-1 trading plan regulatory

"The filing indicates the transactions were effected pursuant to a Rule 10b5-1 trading plan."

A Rule 10b5-1 trading plan is a pre-arranged schedule that allows company insiders to buy or sell stock at specific times, even if they have inside information. It helps prevent accusations of unfair trading by making these transactions look planned and transparent, rather than sneaky or illegal.

FAQ

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

What insider transaction did Velocity Financial (VEL) disclose for its CFO?

Velocity Financial disclosed that its Chief Financial Officer, Mark R. Szczepaniak, sold 2,000 shares of common stock on September 10, 2026 in a transaction reported as either an open market or private sale.

At what price did the CFO sell Velocity Financial (VEL) shares?

The CFO’s 2,000 Velocity Financial shares were sold at a weighted average price of $18.03 per share. The filing states the shares were sold in multiple transactions at prices ranging from $18.03 to $18.03.

How many Velocity Financial (VEL) shares does the CFO still hold indirectly?

After the reported sale, a family trust associated with the CFO held 64,400 shares of Velocity Financial common stock indirectly. The filing describes these shares as held through a family trust.

How many Velocity Financial (VEL) shares does the CFO hold directly?

In addition to the indirect holdings, the filing reports that the CFO holds 101,535 shares of Velocity Financial common stock directly as of September 10, 2026.

Was the Velocity Financial (VEL) CFO’s share sale under a Rule 10b5-1 plan?

Yes. The filing indicates that the reported transactions were effected pursuant to a Rule 10b5-1 trading plan, meaning the trades were made under a pre-arranged plan rather than being initiated at the discretion of the reporting person.

How many total shares did the Velocity Financial (VEL) CFO sell in this Form 4?

The Form 4 reports that the CFO sold 2,000 shares of Velocity Financial common stock on September 10, 2026. No additional purchases or sales are reported in this filing.

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

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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).

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 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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/10/2026

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	09/10/2026		S		2,000	D	$18.03(1)	64,400	I	Held through family trust
Common Stock								101,535	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 $18.03 to $18.03. 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	09/10/2026
	** 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)