<SEC-DOCUMENT>0001950047-26-000474.txt : 20260115
<SEC-HEADER>0001950047-26-000474.hdr.sgml : 20260115
<ACCEPTANCE-DATETIME>20260115162619
ACCESSION NUMBER:		0001950047-26-000474
CONFORMED SUBMISSION TYPE:	144
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20260115
DATE AS OF CHANGE:		20260115

SUBJECT COMPANY:	

	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:		144
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	001-39183
		FILM NUMBER:		26536589

	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

REPORTING-OWNER:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Szczepaniak Mark R
		CENTRAL INDEX KEY:			0001794812
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		144

	MAIL ADDRESS:	
		STREET 1:		C/O VELOCITY FINANCIAL
		STREET 2:		30699 RUSSELL RANCH ROAD, SUITE 295
		CITY:			WESTLAKE VILLAGE
		STATE:			CA
		ZIP:			91362
</SEC-HEADER>
<DOCUMENT>
<TYPE>144
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/ownership" xmlns:ns2="http://www.sec.gov/edgar/common">
    <headerData>
        <submissionType>144</submissionType>
        <filerInfo>
            <filer>
                <filerCredentials>
                    <cik>0001794812</cik>
                    <ccc>XXXXXXXX</ccc>
                </filerCredentials>
            </filer>
            <liveTestFlag>LIVE</liveTestFlag>



        </filerInfo>
    </headerData>
    <formData>
        <issuerInfo>
            <issuerCik>0001692376</issuerCik>
            <issuerName>VELOCITY FINANCIAL INC</issuerName>
            <secFileNumber>001-39183</secFileNumber>
            <issuerAddress>
                <ns2:street1>2945 Townsgate Road, Suite 110</ns2:street1>
                <ns2:city>Westlake Village</ns2:city>
                <ns2:stateOrCountry>CA</ns2:stateOrCountry>
                <ns2:zipCode>91361</ns2:zipCode>
            </issuerAddress>
            <issuerContactPhone>8185323700</issuerContactPhone>
            <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>SZCZEPANIAK FAMILY TRUST U/A DTD 08/10/2021</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
            <relationshipsToIssuer>
                <relationshipToIssuer>Officer</relationshipToIssuer>
            </relationshipsToIssuer>
        </issuerInfo>
        <securitiesInformation>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <brokerOrMarketmakerDetails>
                <name>Morgan Stanley Smith Barney LLC Executive Financial Services</name>
                <address>
                    <ns2:street1>1 New York Plaza</ns2:street1>
                    <ns2:street2>8th Floor</ns2:street2>
                    <ns2:city>New York</ns2:city>
                    <ns2:stateOrCountry>NY</ns2:stateOrCountry>
                    <ns2:zipCode>10004</ns2:zipCode>
                </address>
            </brokerOrMarketmakerDetails>
            <noOfUnitsSold>6292</noOfUnitsSold>
            <aggregateMarketValue>120869.32</aggregateMarketValue>
            <noOfUnitsOutstanding>38900030</noOfUnitsOutstanding>
            <approxSaleDate>01/15/2026</approxSaleDate>
            <securitiesExchangeName>NYSE</securitiesExchangeName>
        </securitiesInformation>
        <securitiesToBeSold>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <acquiredDate>01/13/2025</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock Awards</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>Issuer</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>6292</amountOfSecuritiesAcquired>
            <paymentDate>01/13/2025</paymentDate>
            <natureOfPayment>N/A</natureOfPayment>
        </securitiesToBeSold>
        <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
        <securitiesSoldInPast3Months>
            <sellerDetails>
                <name>10b5-1 Sales for SZCZEPANIAK FAMILY TRUST U/A DTD 08/10/2021</name>
                <address>
                    <ns2:street1>2945 Townsgate Road, Suite 110</ns2:street1>
                    <ns2:city>Westlake Village</ns2:city>
                    <ns2:stateOrCountry>CA</ns2:stateOrCountry>
                    <ns2:zipCode>91361</ns2:zipCode>
                </address>
            </sellerDetails>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <saleDate>12/01/2025</saleDate>
            <amountOfSecuritiesSold>1572</amountOfSecuritiesSold>
            <grossProceeds>30409.08</grossProceeds>
        </securitiesSoldInPast3Months>
        <securitiesSoldInPast3Months>
            <sellerDetails>
                <name>10b5-1 Sales for SZCZEPANIAK FAMILY TRUST U/A DTD 08/10/2021</name>
                <address>
                    <ns2:street1>2945 Townsgate Road, Suite 110</ns2:street1>
                    <ns2:city>Westlake Village</ns2:city>
                    <ns2:stateOrCountry>CA</ns2:stateOrCountry>
                    <ns2:zipCode>91361</ns2:zipCode>
                </address>
            </sellerDetails>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <saleDate>11/03/2025</saleDate>
            <amountOfSecuritiesSold>1572</amountOfSecuritiesSold>
            <grossProceeds>29087.82</grossProceeds>
        </securitiesSoldInPast3Months>
        <remarks>The securities to be sold were acquired upon the vesting of restricted stock awards on 01/13/2025, 02/14/2025 and 01/13/2026.
</remarks>
        <noticeSignature>
            <noticeDate>01/15/2026</noticeDate>
            <planAdoptionDates>
                <planAdoptionDate>03/20/2025</planAdoptionDate>
            </planAdoptionDates>
            <signature>/s/ Mark R Szczepaniak</signature>
        </noticeSignature>
    </formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
