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. 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) furnished an Item 7.01 Regulation FD update announcing that management’s third quarter 2025 earnings presentation is available on its Investor Relations website and attached as 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.
Velocity Financial, Inc. (VEL) Form 4 disclosure: Chief Financial Officer Mark R. Szczepaniak reported transactions in the company’s common stock on 08/12/2025. The filing lists a transaction code "S" (sale) with a reported price of $18. After the reported activity the form shows 1,572 shares held directly and 53,255 shares held indirectly (held through family trust). The filing also lists a separate disposal of 106,412 shares. The Form 4 was signed by power of attorney Roland T. Kelly on 08/12/2025.
Amendment No. 4 to a Schedule 13D reports that Snow Phipps-related entities and Ian K. Snow beneficially own 13,353,103 shares of Velocity Financial, Inc. common stock, representing 34.7% of the outstanding shares on the calculation basis used. The percent is calculated using 38,438,579 shares of common stock outstanding as of July 31, 2025. The filing states the Reporting Persons did not buy or sell any shares and that the amendment was submitted solely to disclose a change in the ownership percentage resulting from a change in the aggregate number of shares outstanding reported by the issuer. Detailed allocations list SPG AIV with 12,339,174 shares and smaller holdings by other SPG funds. The statement confirms no transactions in the past 60 days.