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.
A shareholder of VEL has filed a notice to sell 6,655 common shares, with an aggregate market value of $128,965.25, through Morgan Stanley Smith Barney LLC on the NYSE, with an approximate sale date of 12/02/2025. The filing notes that 38,900,030 shares of the issuer’s common stock were outstanding. The shares to be sold were acquired partly via an open market purchase of 100 shares on 03/16/2020 paid in cash, and 6,555 shares from restricted stock vesting under a registered plan on 01/15/2022, also paid in cash. The signer represents that they are not aware of undisclosed material adverse information about the issuer’s current or prospective operations.
Velocity Financial, Inc. insider trading report: A Form 4/A discloses that the company’s Chief Financial Officer sold common stock on 12/01/2025. The filing shows a sale of 1,572 shares of Velocity Financial common stock at a weighted average price of $19.3442 per share, executed through a family trust.
After this transaction, the reporting person beneficially owns 46,967 shares indirectly through a family trust and 106,412 shares directly. The price is based on multiple trades within a range of $18.53 to $19.49, and full trade-by-trade details are available upon request to the company or the SEC staff.
Velocity Financial, Inc. filed an 8-K/A to add XBRL tagging and furnished management’s third quarter 2025 earnings presentation under Item 7.01 Regulation FD Disclosure, listed as Exhibit 99.
The presentation, dated November 6, 2025, is furnished and not filed, and therefore is not subject to Section 18 liabilities nor incorporated by reference unless expressly referenced.
Velocity Financial (NYSE: VEL)Exhibit 99. The presentation is dated November 6, 2025.
The furnished materials are not deemed filed for purposes of Section 18 of the Exchange Act and are not incorporated by reference into other filings unless specifically referenced. Exhibit 104 contains the cover page Inline XBRL data.
Velocity Financial, Inc. furnished an 8‑K announcing it issued a press release with financial results for the quarter ended September 30, 2025. The press release is included as Exhibit 99 and incorporated by reference.
The Item 2.02 information is furnished, not filed, which limits its use under Section 18 of the Exchange Act. The report lists Exhibit 99 and the Cover Page Interactive Data File as Exhibit 104. The filing was signed by Chief Legal Officer and General Counsel Roland T. Kelly.
Velocity Financial (VEL) reported stronger results for the quarter ended September 30, 2025. Net income rose to $25.4 million from $15.8 million a year ago, and diluted EPS increased to $0.65 from $0.44. Net interest income improved to $49.1 million from $35.1 million, reflecting higher interest income against portfolio and corporate funding costs. Other operating income was $37.1 million, driven by a $31.0 million unrealized gain on fair value loans and offset by losses on securitized debt and mortgage servicing rights.
Operating expenses increased to $50.4 million from $34.6 million, with higher compensation, servicing, securitization, and real estate owned costs. The provision for credit losses was $0.4 million versus a small reversal last year. On the balance sheet, total assets expanded to $7.0 billion from $5.5 billion at December 31, 2024, with loans at fair value at $4.37 billion. Total equity rose to $637.5 million from $520.2 million. Cash and equivalents were $99.0 million, and shares outstanding were 38,900,030 as of October 31, 2025.
Velocity Financial (VEL) reported an insider transaction by its Chief Financial Officer. On 11/03/2025, the CFO sold 1,572 shares of common stock at a weighted average price of $18.5037, with individual trades ranging from $18.425 to $18.65.
Following the sale, the filing lists 48,539 shares beneficially owned indirectly through a family trust and 106,412 shares owned directly. The price disclosure reflects a weighted average, and the filer has undertaken to provide the full trade-by-trade breakdown upon request.
Mark R. Szczepaniak, Chief Financial Officer of Velocity Financial, Inc. (VEL), reported a sale of 1,572 shares of the issuer's common stock on 10/01/2025 at a weighted-average price of $18.0451 per share. The filing shows the reporting person beneficially owns 106,412 shares directly and 50,111 shares indirectly through a family trust after the reported transaction. The Form 4 discloses the sale prices ranged from $18.00 to $18.27, and the reporting person offers to provide transaction-level price details on request.
Velocity Financial, Inc. (VEL) reported a Form 144 notice for the proposed sale of 4,716 common shares through Morgan Stanley Smith Barney LLC, with an aggregate market value of $85,548.24, and an approximate sale date of 10/01/2025 on the NYSE. The shares were originally acquired as restricted stock awards from the issuer on 01/13/2024. The filing also discloses two prior 10b5-1 plan sales by the SZCZEPANIAK FAMILY TRUST totaling 3,144 shares that generated $57,928.20 on 08/12/2025 and 09/02/2025. The form includes the standard representation that the seller is not aware of undisclosed material adverse information.
Velocity Financial insider sale recorded on Form 4. Chief Financial Officer Mark R. Szczepaniak reported dispositions of common stock dated 09/02/2025, including a sale of 1,572 shares at $18.85 per share. The filing shows a disposition of 106,412 shares and reports 51,683 shares beneficially owned indirectly through a family trust after the transactions. The form indicates the sale was made pursuant to a written plan intended to satisfy Rule 10b5-1 conditions.