Velocity Financial CFO sells 2,000 shares at $18.16

Velocity Financial, Inc. reported that Chief Financial Officer Mark R. Szczepaniak sold 2,000 shares of common stock on 2026-08-10 at a weighted average price of $18.16 per share, with individual trade prices ranging from $18.11 to $18.22.

Rhea-AI Filing Summary

Velocity Financial, Inc. reported that Chief Financial Officer Mark R. Szczepaniak sold 2,000 shares of common stock on 2026-08-10 at a weighted average price of $18.16 per share, with individual trade prices ranging from $18.11 to $18.22. The shares were indirectly held through a family trust, which held 64,400 shares after the sale. A separate holding entry shows 101,535 shares of common stock held directly. The transaction was reported as being made under a Rule 10b5-1 trading plan.

Insider Trade Summary 10b5-1

Net Seller: 2,000 shares

Net Sell 2 txns

Insider Szczepaniak Mark R

Role Chief Financial Officer

Sold 2,000 shs ($36K)

Type	Security	Shares	Price	Value
Sale	Common Stock F1	2,000	$18.16	$36K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 64,400 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 $18.11 to $18.22. 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: $18.16 per share Sale price range: $18.11–$18.22 per share +2 more

5 metrics

Shares sold 2,000 shares Common stock sold on 2026-08-10 by CFO via family trust

Weighted average sale price $18.16 per share Average price for 2,000 shares sold on 2026-08-10

Sale price range $18.11–$18.22 per share Range of individual trade prices for the 2,000 shares sold

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

Direct holdings 101,535 shares Common stock held directly by the CFO as of 2026-08-10

Key Terms

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

4 terms

Rule 10b5-1 trading plan regulatory

"The transaction was reported as being made under 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.

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

"The shares were indirectly held through a family trust."

indirect ownership financial

"The ownership type for the sold shares is reported as indirect."

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’s CFO, Mark R. Szczepaniak, reported selling 2,000 shares of common stock on 2026-08-10. The sale was executed at a weighted average price of $18.16 per share, with trades occurring between $18.11 and $18.22.

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

The CFO’s 2,000-share sale was reported at a weighted average price of $18.16 per share. According to the disclosure, individual trades occurred in a price range from $18.11 to $18.22 per share.

How many Velocity Financial (VEL) shares does the CFO hold after this Form 4?

After the reported sale, a family trust associated with the CFO held 64,400 shares indirectly. A separate holding line shows the CFO holding an additional 101,535 shares of common stock directly, as of the same date.

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

Yes. The filing indicates the transaction was made under a Rule 10b5-1 trading plan. Such plans allow pre-arranged trading of shares, which can reduce the informational value of the timing of individual transactions.

Were the sold Velocity Financial (VEL) shares held directly by the CFO?

No. The 2,000 shares sold on 2026-08-10 were indirectly held through a family trust. The Form 4 specifies the ownership as indirect, with the nature of ownership described as “Held through family trust.”

What does the footnote say about the Velocity Financial (VEL) CFO’s sale prices?

The footnote explains that the reported $18.16 is a weighted average price. The 2,000 shares were sold in multiple transactions, with per-share prices ranging from $18.11 to $18.22, and full trade details are available upon request.

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

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Available on EDGAR 08/10/2026 - 04:26 PM Accepted by SEC EDGAR 08/10/2026 - 04:25 PM Learn about SEC filing dates

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)
08/10/2026

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	08/10/2026		S		2,000	D	$18.16(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 $18.11 to $18.22. 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	08/10/2026
	** 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)