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. 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.
Velocity Financial, Inc. Chief Financial Officer Mark R. Szczepaniak reported a sale of 1,573 shares of Common Stock held through a family trust on June 26, 2026. The indirect shares were sold in multiple open-market transactions at a weighted average price of $18.0677, with individual prices ranging from $18.00 to $18.13. Following this sale, the family trust holds 68,400 shares indirectly, while Szczepaniak also reports 101,535 shares held directly.
Velocity Financial, Inc. director John Pitstick reported an issuer-related disposition of 3,603 shares of Common Stock at $17.17 per share. This transaction was coded as a disposition to the issuer, not an open-market sale. After the transaction, he directly holds 59,410 shares.
Velocity Financial, Inc. director Joy L. Schaefer reported a disposition of common stock back to the company. On May 26, 2026, she transferred 3,603 shares of common stock to the issuer at $17.17 per share under a transaction coded as a disposition to issuer.
Following this transaction, Schaefer directly owns 40,798 shares of Velocity Financial common stock, showing she retains a meaningful equity position even after returning shares to the company.
Velocity Financial, Inc. held its Annual Meeting of Shareholders on May 21, 2026. All director nominees were re-elected, each receiving about 24.4–24.7 million votes in favor and very few votes against or abstentions, alongside 1,181,801 broker non-votes per nominee.
Shareholders approved the advisory vote on 2025 executive compensation, with 24,590,950 votes for, 92,104 against, 4,617 abstentions and 1,181,801 broker non-votes. They also ratified RSM US LLP as independent auditor for 2026, supported by 25,860,650 votes for, 2,294 against and 6,528 abstentions.
Beckett Dorika M reported acquisition or exercise transactions in this Form 4 filing.
Velocity Financial, Inc. director Dorika M. Beckett received an annual grant of restricted common stock tied to her re-election to the company’s Board of Directors. The grant covers 5,413 shares at a reference price of $17.55 per share, bringing her direct holdings to 41,311 shares after the transaction.
Schaefer Joy L. reported acquisition or exercise transactions in this Form 4 filing.
Velocity Financial, Inc. director Joy L. Schaefer received an annual grant of restricted common stock tied to her re-election to the company’s Board of Directors. The award covered 5,413 shares at a reference price of $17.55 per share, bringing her directly held stake to 44,401 shares.
Velocity Financial director receives annual stock grant
Velocity Financial, Inc. director John Pitstick received an award of 5,413 shares of common stock at a reference price of $17.55 per share. This grant is described as an annual grant of restricted stock upon his re-election to the company’s Board of Directors by shareholders.
Following this compensation-related grant, Pitstick directly holds 64,934 shares of Velocity Financial common stock. The transaction is classified as an acquisition by grant or award, not an open-market purchase.
Velocity Financial, Inc. furnished its first quarter 2026 investor presentation, showing higher profitability and loan growth. Net income was $22.4 million, up 18.4% from $18.9 million a year earlier, with diluted EPS rising to $0.57 from $0.51. Core net income reached $26.5 million, up 30.8%, and core diluted EPS grew to $0.68 from $0.55.
The total loan portfolio reached $6.8 billion in unpaid principal balance as of March 31, 2026, up 25.4% year over year, while 1Q26 loan production was $639.4 million, roughly flat with 1Q25. Portfolio net interest margin was 3.56%, up from 3.35%, supported by a higher portfolio coupon and lower funding costs. Nonperforming loans were 10.1% of held-for-investment loans, modestly better than 10.8% a year earlier.
The company completed two securitizations totaling $513.8 million and issued $500 million of publicly rated unsecured corporate debt, using part of the proceeds to repay $215 million of secured corporate debt and reduce warehouse borrowings. Liquidity stood at $329.0 million, with $835.6 million of available warehouse line capacity as of March 31, 2026.
Velocity Financial, Inc. reported higher first-quarter 2026 results, driven by loan growth and fair-value gains. Net income attributable to the company rose to $22.4 million from $18.9 million a year earlier, with diluted EPS at $0.57 versus $0.51. Interest income increased to $153.1 million, while net interest income improved to $43.9 million despite higher portfolio and corporate funding costs.
Total assets reached $7.59 billion, supported by a larger loan book of $7.11 billion. Credit quality remained relatively stable, with nonaccrual amortized-cost loans at about $241.2 million and an allowance for credit losses of $4.9 million. Stockholders’ equity attributable to Velocity grew to $693.3 million, or $696.4 million including noncontrolling interests.
During the quarter, the company issued $500.0 million of 9.375% unsecured senior notes due 2031, using proceeds to repay its prior $215.0 million term loan and reduce warehouse borrowings. This shifted funding toward unsecured debt while maintaining access to multiple warehouse and repurchase facilities.