Entry into a Material Definitive Agreement. Equity Purchase Agreement On August 26, 2026, Velocity Commercial Capital, LLC (the “Company”), a wholly-owned subsidiary of Velocity Financial, Inc. (“Velocity”), entered into an Equity Purchase Agreement (the “Purchase Agreement”) with Toorak Capital LLC, a Delaware limited liability company (“Seller”), pursuant to which the Company will purchase from Seller all of the issued and outstanding equity interests of a Delaware limited liability company…

Results of Operations and Financial Condition. On August 5, 2026 we issued a press release announcing financial results for the quarter ended June 30, 2026. The press release is attached as Exhibit 99.1 and is incorporated herein by reference. The information provided in Item 2.02, including Exhibit 99.1, is intended to be furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that secti…

Results of Operations and Financial Condition. On May 6, 2026 we issued a press release announcing financial results for the quarter ended March 31, 2026. The press release is attached as Exhibit 99 and is incorporated herein by reference. The information provided in Item 2.02, including Exhibit 99, is intended to be furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, no…

Results of Operations and Financial Condition. On March 11, 2026 we issued a press release announcing financial results for the quarter and year ended December 31, 2025. The press release is attached as Exhibit 99 and is incorporated herein by reference. The information provided in Item 2.02, including Exhibit 99, is intended to be furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of t…

Entry into a Material Definitive Agreement. On January 30, 2026 Velocity Commercial Capital, LLC (the “Issuer”), a wholly-owned subsidiary of Velocity Financial, Inc. (“Velocity” or the “Company”) and the Company, as guarantor, completed the issuance and sale of $500 million aggregate principal amount of the Issuer’s 9.375% Senior Notes due 2031 (the “Notes”) pursuant to an Indenture, dated as of January 30, 2026, by and between the Issuer, the Company, as guarantor, and U.S. Bank Trust Compa…

Entry into a Material Definitive Agreement. On January 28, 2026, Velocity Commercial Capital, LLC (the “Issuer”), a wholly-owned subsidiary of Velocity Financial, Inc. (“Velocity” or the “Company”) and the Company, as guarantor, entered into a Purchase Agreement (the “Purchase Agreement”) with Barclays Capital Inc., as representative of the several initial purchasers set forth in Schedule I to the Purchase Agreement thereto (the “Initial Purchasers”), with respect to the issue and sale by the…

by reference. The information provided in Item 2.02, including Exhibit 99.1, is intended to be furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any other filing under the Securities Act of 1933, as amended or the Securities Exchange Act of 1934, as amended.

by reference. Forward-Looking Statements This Current Report on Form 8-K includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 as contained in Section 27A of the Securities Act and Section 21E of the Exchange Act, which reflect management’s current views and estimates regarding the prospects of the industry and our prospects, plans, business, results of operations, financial position, future financial performance and business strategy.…

The filing details the compensation and incentive programs for executive officers, not a management change.

Results of Operations and Financial Condition. On November 6, 2025, we issued a press release announcing financial results for the quarter ended September 30, 2025. The press release is attached as Exhibit 99 and is incorporated herein by reference. The information provided in Item 2.02, including Exhibit 99, is intended to be furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that s…

Results of Operations and Financial Condition. On August 7, 2025, we issued a press release announcing financial results for the quarter ended June 30, 2025. The press release is attached as Exhibit 99 and is incorporated herein by reference. The information provided in Item 2.02, including Exhibit 99, is intended to be furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section,…

Results of Operations and Financial Condition. On May 1, 2025, we issued a press release announcing financial results for the quarter ended March 31, 2025. The press release is attached as Exhibit 99 and is incorporated herein by reference. The information provided in Item 2.02, including Exhibit 99, is intended to be furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, n…

Results of Operations and Financial Condition. On March 6, 2025, we issued a press release announcing financial results for the quarter and year ended December 31, 2024. The press release is attached as Exhibit 99 and is incorporated herein by reference. The information provided in Item 2.02, including Exhibit 99, is intended to be furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of t…

The filing details the approval of compensation programs for executive officers.

Results of Operations and Financial Condition. On November 7, 2024, we issued a press release announcing financial results for the quarter ended September 30, 2024. The press release is attached as Exhibit 99 and is incorporated herein by reference. The information provided in Item 2.02, including Exhibit 99, is intended to be furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that s…

Results of Operations and Financial Condition. On August 1, 2024, we issued a press release announcing financial results for the quarter ended June 30, 2024. The press release is attached as Exhibit 99 and is incorporated herein by reference. The information provided in Item 2.02, including Exhibit 99, is intended to be furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section,…

Entry into a Material Definitive Agreement On May 3, 2024, Velocity Financial, Inc. (the “Company”), entered into separate Equity Distribution Agreements (the “Equity Distribution Agreements”) by and between the Company, on the one hand, and each of BTIG, LLC and Virtu Americas LLC (each, a “Placement Agent” and collectively, the “Placement Agents”), on the other hand. The Equity Distribution Agreement with Virtu Americas LLC supersedes the equity distribution agreement, dated as of September…

Results of Operations and Financial Condition. On May 2, 2024, we issued a press release announcing financial results for the quarter ended March 31, 2024. The press release is attached as Exhibit 99 and is incorporated herein by reference. The information provided in Item 2.02, including Exhibit 99, is intended to be furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, n…

Results of Operations and Financial Condition. On March 7, 2024, we issued a press release announcing financial results for the quarter and year ended December 31, 2023. The press release is attached as Exhibit 99 and is incorporated herein by reference. The information provided in Item 2.02, including Exhibit 99, is intended to be furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of t…

The filing details compensation arrangements for executive officers, not a management change.

Entry into a Material Definitive Agreement.

Creation of a Direct Financial Obligation. On February 5, 2024, we entered into note purchase agreements (collectively, the “2029 Note Purchase Agreement”) for the issuance of an aggregate $75,000,000 principal amount of 9.875% Senior Secured Notes due 2029 (the “2029 Notes”). The 2029 Note Purchase Agreement was entered into among Velocity Financial, Inc., as the guarantor of the 2029 Notes (the “Guarantor”), our wholly owned subsidiary Velocity Commercial Capital, LLC, as the issuer of the…

shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any of our filings under the Securities Act of 1933, as amended (the “Securities Act”) or the Exchange Act. Forward-Looking Statements This Current Report on Form 8-K includes forward-looking statements within the meaning of the Private Securities Li…

Results of Operations and Financial Condition. On November 2, 2023, we issued a press release announcing financial results for the quarter ended September 30, 2023. The press release is attached as Exhibit 99 and is incorporated herein by reference. The information provided in Item 2.02, including Exhibit 99, is intended to be furnished and shall not be deemed filed for purposes of Section 18 of the Securities Exchange Act, or otherwise subject to the liabilities of that section, nor shall it…