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. (NYSE: VEL) files a range of reports and disclosures with the U.S. Securities and Exchange Commission that provide detailed insight into its real estate finance business. As a company focused on business purpose and investor real estate loans, its SEC filings are a primary source for understanding loan portfolio composition, credit performance, securitization activity, liquidity and capital structure.
Current reports on Form 8-K are used to announce material events such as quarterly financial results, including net income, core net income, diluted and core diluted earnings per share, portfolio net interest margin, loan production volumes and nonperforming loan metrics. Form 8-K filings also document events like the sale of nonperforming loans, the establishment of a third-party servicing mandate, and the dual listing of the company’s common stock on NYSE Texas, Inc. alongside its New York Stock Exchange listing.
Investors reviewing Velocity’s SEC filings can use annual and quarterly reports, when available, to analyze segment disclosures, interest income, origination fee income, fair value gains, allowance for credit losses under CECL, and detailed tables on loan portfolio unpaid principal balance by property type. Filings also describe securitization transactions, warehouse line capacity, liquidity measures and equity issuance through an at-the-market program.
On this page, Stock Titan provides real-time access to Velocity Financial’s SEC submissions as they are posted to EDGAR, along with AI-powered summaries that explain the key points of lengthy documents in plain language. Users can quickly identify important items in earnings-related 8-Ks, track developments affecting nonperforming loans and real estate owned, and monitor disclosures related to securitizations and capital markets activity without reading every line of each filing.
Velocity Financial Chief Legal Officer Roland Thomas Kelly reported a Form 4 showing 1,752 shares of common stock withheld on January 21, 2026. The shares were withheld and retained by Velocity as payment for tax liabilities arising from the vesting of previously granted restricted stock, rather than an open‑market sale. Following this tax withholding, Kelly beneficially owned 125,169 shares of Velocity Financial common stock directly.
Velocity Financial, Inc. insider tax withholding transaction
Velocity Financial, Inc. reported that Chief Accounting Officer Fiona Tam had 541 shares of common stock withheld on 01/21/2026. The shares were withheld and retained by Velocity as payment for tax liabilities arising from the vesting of previously granted restricted stock, rather than being sold on the open market. Following this tax-related transaction, Tam beneficially owned 48,333 shares of Velocity common stock in direct ownership form.
Velocity Financial, Inc. outlined new incentive programs for key executives for 2026. The Compensation Committee approved an FY 2026 Annual Cash Incentive Program tied to Core Net Income Annual Growth for CEO Christopher D. Farrar, CFO Mark R. Szczepaniak and EVP Capital Markets Jeffrey T. Taylor. If 2026 Core Net Income growth meets the threshold, their performance-based cash bonuses would be $750,000, $350,000 and $275,000, respectively, and at the maximum growth level those bonuses rise to $1,500,000, $700,000 and $550,000.
Each executive can also earn an additional individual performance bonus ranging from $0 up to $1,500,000 for Farrar, $700,000 for Szczepaniak and $550,000 for Taylor, based on qualitative criteria such as asset quality, leadership and strategic initiatives. Separately, the FY 2026 Performance Stock Units Program grants performance stock units that can settle in up to 178,570 shares for Farrar and up to 38,264 shares each for Szczepaniak and Taylor, depending on the average Core Net Income Annual Growth for 2026–2028. Cash bonuses are certified after fiscal year-end 2026, and stock units after fiscal year-end 2028.
Velocity Financial, Inc. reported that Chief Executive Officer and director Christopher D. Farrar received new equity awards on January 15, 2026. He acquired 89,285 shares of common stock, bringing his directly held common stock to 435,107 shares, and separately was granted 89,285 Performance Stock Units (PSUs), increasing his directly held PSUs to 524,392 units.
The restricted stock is scheduled to vest in equal annual installments over three years from the grant date. The PSUs are subject to forfeiture and will vest from 0% to 200% of the granted amount based on Velocity’s average annual Core Net Income growth for fiscal years 2026, 2027 and 2028, with vesting determined after the end of fiscal 2028. Farrar is also reported as indirectly beneficially owning 522,411 shares of common stock through a family trust.
Velocity Financial, Inc. Chief Accounting Officer Tam Fiona reported equity awards received on 01/15/2026. She acquired 3,061 shares of common stock at $19.6 per share as restricted stock that vests annually in equal installments over three years from the grant date. She was also granted 3,061 Performance Stock Units (PSUs) valued at $19.6 per unit.
Under the PSU grant terms, all units are subject to forfeiture and potential vesting from 0% to 200% of the granted amount, based on Velocity’s average annual Core Net Income growth for fiscal years 2026, 2027 and 2028, with vesting determined after fiscal year end 2028. Following these awards, Fiona beneficially owns 45,813 shares of common stock and 48,874 Performance Stock Units, all held directly.
Velocity Financial, Inc. reported that Chief Legal Officer and General Counsel Roland Thomas Kelly received new equity awards on January 15, 2026. He acquired 14,030 shares of common stock at $19.60 per share as restricted stock that vests in equal annual installments over three years from the grant date. He also received 14,030 Performance Stock Units (PSUs) at the same reference price. The PSUs can ultimately vest between 0% and 200% of the granted amount based on Velocity’s average annual Core Net Income growth for fiscal years 2026, 2027, and 2028, with vesting determined after the end of fiscal 2028. Following these grants, Kelly directly holds 112,891 shares of common stock and 126,921 PSUs.
Velocity Financial, Inc. reported that Executive VP, Capital Markets Jeffrey T. Taylor received equity awards on January 15, 2026. He was granted 19,132 shares of common stock$19.60 per share, increasing his directly held common shares to 174,345. He was also granted 19,132 Performance Stock Units (PSUs) at the same grant date, bringing his PSU balance to 193,477.
The restricted stock vests in equal annual installments over three years from the grant date. The PSUs are subject to forfeiture and will vest from 0% to 200% of the granted amount after fiscal year-end 2028, based on Velocity’s average annual performance as measured by Core Net Income Annual Growth for fiscal years 2026, 2027 and 2028.
Velocity Financial, Inc. reported that its Chief Financial Officer, Mark R. Szczepaniak, acquired 19,132 shares of common stock and 19,132 Performance Stock Units on January 15, 2026, at a reference price of $19.6 per share. After these awards, he directly beneficially owned 118,326 shares of common stock and 137,458 Performance Stock Units, with an additional 49,929 shares of common stock held indirectly through a family trust.
The footnotes explain that the common stock grant is restricted stock that vests in equal annual installments over three years from the grant date. The Performance Stock Units are subject to forfeiture based on Velocity’s average annual Core Net Income Annual Growth for fiscal years 2026, 2027 and 2028, with potential vesting of between 0% and 200% of the granted PSUs after the end of fiscal year 2028.
Velocity Financial, Inc. insider activity: Chief Financial Officer Mark R. Szczepaniak reported a sale of common stock on 01/15/2026. A family trust associated with him sold 1,573 shares of Velocity Financial common stock at a weighted average price of $19.5085 per share, with individual trades executed between $19.22 and $19.82.
Following this transaction, the filing shows 49,929 shares of common stock held indirectly through a family trust and 99,194 shares held directly. This Form 4 reflects a routine disclosure of insider holdings and a relatively small sale compared with the total reported ownership.
A shareholder filed a Form 144 notice to potentially sell 6,292 shares of common stock through Morgan Stanley Smith Barney LLC on or about 01/15/2026 on the NYSE, with an indicated aggregate market value of $120,869.32. The filing lists total common shares outstanding as 38,900,030 for context.
The shares to be sold were acquired as restricted stock awards from the issuer on 01/13/2025. Over the past three months, there were additional 10b5-1 plan sales for SZCZEPANIAK FAMILY TRUST U/A DTD 08/10/2021, including 1,572 shares sold on 11/03/2025 for $29,087.82 and another 1,572 shares sold on 12/01/2025 for $30,409.08. By signing, the seller represents they are not aware of undisclosed material adverse information about the issuer.
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