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  4. [Form 4] Velocity Financial, Inc. Insider Trading Activity

Velocity Financial (VEL) CFO sells 400 shares in 10b5-1 plan

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Velocity Financial, Inc. Chief Financial Officer Mark R. Szczepaniak reported a sale of 400 shares of common stock held through a family trust at a weighted average price of $18.00 per share under a Rule 10b5-1 trading plan. After these transactions, he reports 68,000 shares held indirectly via the trust and 101,535 shares held directly.

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Negative

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Insider Szczepaniak Mark R
Role Chief Financial Officer
Sold 400 shs ($7K)
Type Security Shares Price Value
Sale Common Stock F1 400 $18.00 $7K
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 68,000 shares (Indirect, Held through family trust); Common Stock — 101,535 shares (Direct)
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 $18.00 to $18.00. 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.
Shares sold 400 shares Common Stock sale on 2026-07-28
Sale price $18.00 per share Weighted average price for the 400-share sale
Indirect holdings after sale 68,000 shares Common Stock held indirectly via family trust following the sale
Direct holdings after transactions 101,535 shares Common Stock held directly after reported transactions
Net reported share change 400 shares Net shares sold across reported buy/sell transactions
Rule 10b5-1 regulatory
"reported as made under a Rule 10b5-1 trading plan"
Rule 10b5-1 is a regulation that allows company insiders to buy or sell their shares at predetermined times, even if they have access to non-public information. It acts like setting a schedule in advance for transactions, helping prevent accusations of unfair trading. This rule provides a way for insiders to plan trades transparently, giving investors confidence that these transactions are not based on hidden information.
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
"Common Stock was held through family trust for this transaction."

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

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Form 4 Insider Transactions: What Each Field Means →

FAQ

What insider transaction did Velocity Financial (VEL) disclose in this Form 4?
Velocity Financial reported that CFO Mark R. Szczepaniak sold 400 shares of common stock on July 28, 2026. The shares were held through a family trust and sold at a weighted average price of $18.00 per share under a Rule 10b5-1 plan.

At what price did the Velocity Financial (VEL) CFO sell shares?
The CFO’s reported sale was executed at a weighted average price of $18.00 per share. A footnote states the trades occurred in multiple transactions, all within a price range from $18.00 to $18.00, and full breakdowns are available upon request.

How many Velocity Financial (VEL) shares does the CFO hold after the reported sale?
After the reported transactions, Mark R. Szczepaniak reports 68,000 shares of Velocity Financial common stock held indirectly through a family trust and an additional 101,535 shares held directly, as of the date of the Form 4 report.

Was the Velocity Financial (VEL) CFO trade made under a Rule 10b5-1 plan?
Yes. The Form 4 indicates that the reported transactions were made under a Rule 10b5-1 trading plan. Such pre-arranged plans allow insiders to systematically sell shares according to preset instructions, reducing the significance of trade timing as informational signal.

How is the Velocity Financial (VEL) CFO’s ownership structured in this filing?
The filing shows two types of holdings: 68,000 shares of common stock held indirectly through a family trust, and 101,535 shares held directly. The 400-share sale involved the indirectly held shares in the family trust.
SEC Form 4
FORM 4UNITED 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)
Director10% Owner
XOfficer (give title below)Other (specify below)
Chief Financial Officer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
07/28/2026		6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
Common Stock07/28/2026S400D$18(1)68,000IHeld through family trust
Common Stock101,535D
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount 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 $18.00 to $18.00. 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 attorney07/28/2026
** Signature of Reporting PersonDate
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)

Source: View Original Filing on SEC EDGAR