Welcome to our dedicated page for Velocity Financial SEC filings (Ticker: VEL), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Velocity Financial, Inc. filings document operating results, capital-structure actions and governance matters for a real estate finance company focused on investor and business-purpose loans. The company’s 8-K filings furnish quarterly and annual earnings releases, preliminary results and Regulation FD presentations covering loan portfolio growth, net income, core earnings, portfolio net interest margin and related risk disclosures tied to economic, real estate market and regulatory conditions.
Material-event filings also describe debt financing by wholly owned subsidiary Velocity Commercial Capital, LLC, including the completed issuance of 9.375% Senior Notes due 2031, the indenture, company guarantee and unregistered Rule 144A and Regulation S offering structure. Proxy filings cover annual meeting and shareholder voting matters for Velocity’s common stock.
Velocity Financial, Inc. reported second quarter 2026 results with income before income tax of $35.2 million, up 3.9% from 2Q25, and net income of $25.2 million, down 3.2% as a higher effective tax rate offset stronger revenue. Diluted EPS was $0.64 versus $0.69, while core net income rose to $27.9 million and core diluted EPS were $0.71.
Net interest income after provision increased 4.2% to $47.9 million and net revenue grew 10.7% to $95.0 million, driven by higher portfolio net interest income and $47.1 million of other operating income. The total loan portfolio reached $7.0 billion in UPB, 19.2% above a year earlier, with portfolio net interest margin at 3.66% and nonperforming loans at 9.6% of held-for-investment loans, improving from 10.3%. Liquidity totaled $240.0 million and the company completed two securitizations during the quarter.
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.
Issuer (NYSE: VEL) has a notice of intent to sell common stock under Form 144. A broker account at Morgan Stanley Smith Barney LLC Executive Financial Services lists 2,000 common shares with an aggregate market value of $35,280.00 and a reference market value of $39,255,281 as of July 28, 2026.
The securities to be sold are tied to Performance Stock Units dated January 21, 2025. The filing also lists prior 10b5-1 plan sales by SZCZEPANIAK FAMILY TRUST, including two sales of 1,573 common shares each, for proceeds of $28,420.49 on June 26, 2026 and $30,358.90 on May 1, 2026.
Velocity Financial, Inc. Chief Accounting Officer Fiona Tam reported an open-market sale of 68 shares of common stock at $19.00 per share. The transaction occurred on July 7, 2026 and was executed under a pre-planned Rule 10b5-1 trading plan adopted on March 14, 2026. Following this sale, Tam directly holds 48,361 shares of Velocity Financial common stock, so the transaction represents only a small portion of her overall reported ownership.
Velocity Financial, Inc. Executive VP of Capital Markets Jeffrey T. Taylor reported an open-market sale of 2,165 shares of Common Stock at $19.00 per share on July 7, 2026.
After this transaction, he directly holds 176,820 shares. The sale was made under a pre-arranged trading plan intended to satisfy the affirmative defense conditions of Rule 10b5-1(c), suggesting it was scheduled in advance as part of routine portfolio management.
VEL — Form 144 notice of proposed sale by the Taylor Family Trust. The filing lists a 10b5-1 sale dated 04/17/2026 by TAYLOR FAMILY TRUST reporting 42600.00 units of Common stock tied to Performance Stock Units (01/21/2025). The broker is Morgan Stanley Smith Barney LLC.
Velocity Financial, Inc. Chief Legal Officer and General Counsel Kelly Roland Thomas reported an open-market sale of common stock. On July 1, 2026, he sold 1,600 shares at a weighted average price of $18.5685 per share in multiple trades between $18.355 and $18.72. After this transaction, Thomas directly holds 98,252 shares of Velocity Financial common stock.
Velocity Financial, Inc. Chief Legal Officer Kelly Roland Thomas acquired 858 shares of common stock through the company’s employee stock purchase plan at $18.46 per share. After this routine ESPP transaction, Thomas directly holds 99,852 common shares.