Velocity Financial (VEL) EVP has shares withheld to cover restricted stock taxes

Rhea-AI Filing Summary

Velocity Financial executive Jeffrey T. Taylor reported a routine tax-related share withholding. On January 21, 2026, 3,430 shares of Velocity Financial, Inc. common stock were withheld at a price of $19.53 per share to cover tax liabilities tied to the vesting of previously granted restricted stock. After this withholding, Taylor beneficially owned 190,047 shares of common stock in direct form. This type of transaction does not represent an open-market sale, but rather shares retained by the company to satisfy tax obligations on equity compensation.

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

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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^*

Taylor Jeffrey T.

(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)
	Executive VP, Capital Markets

3. Date of Earliest Transaction (Month/Day/Year)
01/21/2026

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	01/21/2026		F(1)		3,430	D	$19.53	190,047	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. Shares withheld and retained by Velocity as payment for tax liabilities resulting from the vesting of previously granted restricted stock.

Remarks:

	/s/ Roland T. Kelly, by power of attorney	01/22/2026
	** 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

Who is the insider involved in this Velocity Financial (VEL) Form 4 filing?

The insider is Jeffrey T. Taylor, who serves as Executive VP, Capital Markets of Velocity Financial, Inc.

What transaction did Jeffrey T. Taylor report for Velocity Financial (VEL)?

He reported a withholding of 3,430 shares of common stock on January 21, 2026, coded F, which reflects shares withheld to pay taxes on vested restricted stock.

Was this a market sale of Velocity Financial (VEL) shares?

No. The filing states the shares were withheld and retained by Velocity as payment for tax liabilities from the vesting of previously granted restricted stock, not sold in the open market.

What price per share was used for the withheld Velocity Financial (VEL) stock?

The 3,430 withheld shares were valued at $19.53 per share for the tax-related transaction.

How many Velocity Financial (VEL) shares does Jeffrey T. Taylor own after this transaction?

Following the transaction, Taylor beneficially owned 190,047 shares of Velocity Financial, Inc. common stock, held as direct ownership.

What does transaction code "F" mean in this Velocity Financial (VEL) Form 4?

Transaction code "F" indicates shares were withheld by the issuer to satisfy tax withholding obligations arising from the vesting of equity awards such as restricted stock.