# EDGAR Filing Document

**Accession Number:** 0001692376
**File Stem:** 0001193125-25-320465
**Filing Date:** 2025-12
**Character Count:** 6547
**Document Hash:** 21c2a83a5a4f06f3bab241cd07207167
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-320465.hdr.sgml**: 20251216

**ACCESSION NUMBER**: 0001193125-25-320465

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 13

**CONFORMED PERIOD OF REPORT**: 20251216

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251216

**DATE AS OF CHANGE**: 20251216

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Velocity Financial, Inc.
- **CENTRAL INDEX KEY:** 0001692376
- **STANDARD INDUSTRIAL CLASSIFICATION:** FINANCE SERVICES [6199]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-39183
- **FILM NUMBER:** 251574209

**BUSINESS ADDRESS:**
- **STREET 1:** 2945 TOWNSGATE ROAD
- **STREET 2:** SUITE 110
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** 866-505-3863

**MAIL ADDRESS:**
- **STREET 1:** 2945 TOWNSGATE ROAD
- **STREET 2:** SUITE 110
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Velocity Financial, LLC
- **DATE OF NAME CHANGE:** 20161214

?xml version='1.0' encoding='ASCII'? 8-K

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549**

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## FORM 8-K

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**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported):** December 16, 2025<br>

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Velocity Financial, Inc.

**(Exact name of Registrant as Specified in Its Charter)**

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| | | |
|:---|:---|:---|
| Delaware | 001-39183 | 46-0659719 |
| **(State or Other Jurisdiction<br>of Incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| 2945 Townsgate Road, Suite 110 |  |  |
| Westlake Village**,** California |  | 91361 |
| **(Address of Principal Executive Offices)** |  | **(Zip Code)** |

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**Registrant's Telephone Number, Including Area Code:** (818) 532-3700<br>

**(Former Name or Former Address, if Changed Since Last Report)**

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Securities registered pursuant to Section 12(b) of the Act:**

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| | | |
|:---|:---|:---|
| **<br>Title of each class** | **Trading<br>Symbol(s)** | **<br>Name of each exchange on which registered** |
| Common stock, par value $0.01 per share | VEL | The New York Stock Exchange |
| Common stock, par value $0.01 per share | VEL  | NYSE Texas, Inc. |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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## Item 7.01 Regulation FD Disclosure.

## Item 8.01 Other Events.
On December 16, 2025, we issued a press release announcing an agreement to sell $133.2 million in UPB of non-performing loans. The press release is attached as Exhibit 99 and is incorporated herein by reference.

## Item 9.01 Financial Statements and Exhibits.

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| | |
|:---|:---|
| <br>Exhibit Number | <br>Description |
| 99 | [<u>Press Release dated December 16, 2025</u>](vel-ex99.htm) |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | | | |
|:---|:---|:---|:---|
|  |  |  | Velocity Financial, Inc. |
| Date: | December 16, 2025 | By:  | /s/ Roland T. Kelly |
|  |  |  | Roland T. Kelly, Chief Legal Officer |

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## Ex-99

![img90205110_0.jpg](img90205110_0.jpg)

**Investors and Media:**

Chris Oltmann

(818) 532-3708

**Velocity Financial, Inc. Announces Nonperforming Loan Sale <br>and New Servicing Partnership** 

<br> **Westlake Village, CA – December 16, 2025 –** Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in investor real estate loans, announces an agreement to sell <br>$133.2 million in UPB of non-performing loans at a significant premium to the current mark on our balance sheet.

In connection with this transaction, the company is entering its first-ever "Third Party Servicing" mandate to manage those same loans for the buyer, creating a durable, capital-light, fee-based revenue stream.

"This opportunistic transaction reflects our continued efforts to optimize our earning asset base to benefit stakeholders across our capital structure," said Jeff Taylor, EVP of Capital Markets. "Our new servicing partnership enables us to maximize profitability and releases capital to drive continued portfolio growth and enhanced return on equity. This transaction further reflects the market's appreciation for our outstanding origination and asset management capabilities and the inherent value of the assets we create across our platform."

The transaction is expected to close prior to year-end.

**About Velocity Financial, Inc.**

Based in Westlake Village, California, Velocity is a vertically integrated real estate finance company that primarily originates and manages business purpose loans secured by 1-4 unit residential rental and small commercial properties. Velocity originates loans nationwide across an extensive network of independent mortgage brokers built and refined over 21 years. For additional information, please visit the Company's investor relations website at www.velfinance.com.![img90205110_1.gif](img90205110_1.gif)

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