Velocity Financial (VEL) CFO-linked family trust sells 1,573 shares at $20.53 average

Rhea-AI Filing Summary

Velocity Financial, Inc. insider filing shows a small share sale by a family trust associated with the company’s Chief Financial Officer. On February 2, 2026, a family trust associated with CFO Mark R. Szczepaniak sold 1,573 shares of Velocity Financial common stock at a weighted average price of $20.5287 per share, with individual trade prices ranging from $20.395 to $20.68. After this transaction, the trust held 74,692 shares indirectly, while Szczepaniak also held 101,535 shares directly.

Insider Trade Summary

Net Seller: 1,573 shares ($32,292)

Net Sell 2 txns

Insider Szczepaniak Mark R

Role Chief Financial Officer

Sold 1,573 shs ($32K)

Type	Security	Shares	Price	Value
Sale	Common Stock	1,573	$20.5287	$32K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 74,692 shares (Indirect, Held through family trust); Common Stock — 101,535 shares (Direct)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

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 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)
	Chief Financial Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/02/2026

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	02/02/2026		S		1,573	D	$20.5287(1)	74,692	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 $20.395 to $20.68. 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	02/02/2026
	** 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) disclose for February 2, 2026?

Velocity Financial disclosed that a family trust associated with CFO Mark R. Szczepaniak sold 1,573 common shares on February 2, 2026. The sale was reported on a Form 4 insider trading report filed under Section 16 of the Securities Exchange Act.

How many Velocity Financial (VEL) shares were sold and at what price?

A total of 1,573 Velocity Financial common shares were sold at a weighted average price of $20.5287 per share. The filing notes that individual trades occurred in a price range between $20.395 and $20.68 during the reported transaction.

Who executed the recent Velocity Financial (VEL) share sale reported on Form 4?

The sale was executed by a family trust associated with Mark R. Szczepaniak, Chief Financial Officer of Velocity Financial. The Form 4 lists the holding as indirect ownership, described specifically as “Held through family trust” rather than directly in the CFO’s personal name.

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

Following the transaction, the family trust held 74,692 Velocity Financial common shares indirectly, while Mark R. Szczepaniak also held 101,535 shares directly. These post-transaction holdings are reported in the Form 4 as the beneficial ownership amounts after the disclosed sale.

What pricing details did the Velocity Financial (VEL) Form 4 provide about the share sale?

The Form 4 states the reported price is a weighted average for multiple trades, with a weighted average of $20.5287 per share. It further notes that the individual trades occurred at prices between $20.395 and $20.68 across several separate transactions.

What is Mark R. Szczepaniak’s role at Velocity Financial (VEL) according to the filing?

According to the Form 4, Mark R. Szczepaniak serves as an officer of Velocity Financial, holding the title of Chief Financial Officer. He is not listed as a director or 10% owner in this filing, only in his capacity as an executive officer.