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 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.
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 as restricted stock at $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.