How significant is the 1,272-share ESPP purchase relative to the CEO’s Velocity Financial holdings?

The 1,272-share ESPP purchase is small compared with the CEO’s total holdings. After the transaction, he directly owns 399,665 shares and indirectly owns 637,051 shares via a family trust, so the ESPP acquisition represents only a minor incremental increase in ownership.

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

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)

Form Type

Rhea-AI Filing Summary

Velocity Financial, Inc. Chief Executive Officer Christopher D. Farrar reported a small change in his common stock holdings. A Form 4 entry shows an “other” transaction involving 1,272 shares, which a footnote explains were purchased through the Company’s employee stock purchase plan (ESPP) in a transaction exempt under Rule 16b-3(c).

After this ESPP-related acquisition, Farrar directly holds 399,665 shares of common stock and indirectly holds 637,051 shares through a family trust. This is a routine, compensation-related share purchase rather than an open-market trade, and the transaction size is small relative to his overall position.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Farrar Christopher D.

Role Chief Executive Officer

Type	Security	Shares	Price	Value
Other	Common Stock	1,272	$18.46	$23K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 399,665 shares (Direct, null); Common Stock — 637,051 shares (Indirect, Held by family trust)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 06/30/2026 - 05:58 PM Accepted by SEC EDGAR 06/30/2026 - 05:57 PM

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).

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

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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/30/2026

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	06/30/2026		J⁽¹⁾	V	1,272	A	$18.46	399,665	D
Common Stock								637,051	I	Held by family trust

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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. The shares were purchased through the Company's ESPP in a transaction exempt pursuant to Rule 16b-3(c).

Remarks:

	/s/ Roland T. Kelly, by power of attorney	06/30/2026
	** 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)

Source: View Original Filing on SEC EDGAR

FAQ

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

Velocity Financial reported a small insider transaction for CEO Christopher Farrar involving 1,272 shares of common stock. A footnote states these shares were purchased through the company’s employee stock purchase plan (ESPP) in a Rule 16b-3(c) exempt transaction, not an open-market trade.

How many Velocity Financial (VEL) shares does CEO Christopher Farrar hold after this filing?

After the reported transactions, CEO Christopher Farrar directly holds 399,665 shares of Velocity Financial common stock. He also indirectly holds 637,051 additional shares through a family trust, indicating a substantial ongoing ownership position in the company following this ESPP purchase.

Was the Velocity Financial (VEL) CEO’s transaction an open-market buy or part of a plan?

The CEO’s 1,272-share transaction was part of the company’s employee stock purchase plan (ESPP), not an open-market buy. A Form 4 footnote explains the purchase was exempt under Rule 16b-3(c), highlighting its compensation-related, routine nature rather than discretionary market trading.

What price was paid for the Velocity Financial (VEL) shares in the CEO’s ESPP transaction?

The Form 4 shows a price of $18.46 per share for the 1,272 common shares acquired. This price applies to the ESPP purchase described in the footnote, which characterizes the transaction as exempt under Rule 16b-3(c) rather than a standard open-market transaction.