Velocity Financial, Inc.

Mortgage Finance • Financial Services • Westlake Village, CA, United States • VEL (NYQ)

818 532 3700 2945 Townsgate Road, Westlake Village, CA 91361, United States

Quarter: Q4 2025 Reported: November 7, 2025 Sentiment: Neutral

Velocity Financial, Inc. operates as a real estate finance company in the United States. It originates, securitizes, and manages a portfolio of loans, which are secured by real estate, including investor 1-4 unit residential rental properties; residential apartments combined with office or retail space; and loans for multi-family, mixed use, and commercial properties. The company also provides warehouse and other properties. It offers its products through a network of independent mortgage brokers and direct borrower relationships. The company was founded in 2004 and is headquartered in Westlake Village, California

Analysis Summary

A comprehensive analysis of Velocity Financial, Inc.'s (VEL) Q4 2025 earnings call is not possible based on the provided transcript. The document solely consists of legal boilerplate concerning the furnishing of exhibits under the Securities Exchange Act of 1934 and the Securities Act of 1933. Specifically, it references Exhibit 99, a press release dated November 6, 2025, and Exhibit 104, a Cover Page Interactive Data File. There is no information regarding detailed financial performance breakdown, strategic initiatives, business segment analysis, management commentary, forward guidance, competitive positioning, market trends, risk factors, or analyst Q&A highlights within the given text. Consequently, no financial metrics, strategic insights, or risk assessments can be derived from this document.

Key Highlights

• No financial or operational highlights available in the provided transcript.
• Transcript contains only legal disclaimers and exhibit references.
• References a Press Release dated November 6, 2025 (Exhibit 99).
• No earnings or revenue figures were disclosed in the provided text.

Financial Metrics

eps

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revenue

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guidance

net income

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Stock Performance (90 Days)

Data through Dec 26, 2025

Layoff Events

Earnings Calls

Positive Signals

• No specific confidence indicators can be extracted from the provided legal disclaimers.
• The presence of a press release (Exhibit 99) suggests standard reporting procedures are being followed, implying routine corporate compliance.

Risks & Concerns

— No risk factors were mentioned or discussed in the provided transcript.
— The limited information prevents any assessment of potential business or market risks.
— Lack of financial data in the transcript itself poses a risk to immediate analysis.