Velocity Financial, Inc.
Velocity Financial, Inc. (NYSE: VEL, NYSE Texas: VEL) operates as a vertically integrated real estate finance company that originates, securitizes, and manages a nationwide portfolio of loans secured by real estate. The company's website is www.velfinance.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Velocity Financial, Inc. does
In the company’s own words
Velocity Financial, Inc. (NYSE: VEL, NYSE Texas: VEL) operates as a vertically integrated real estate finance company that originates, securitizes, and manages a nationwide portfolio of loans secured by real estate. The company's website is www.velfinance.com.
Founded in 2004, Velocity Financial specializes in originating investor loans secured primarily by one to four unit residential rental properties, as well as multifamily, mixed-use, and commercial properties. The company generates revenue through loan origination fees, net interest income from its portfolio, and servicing fees. As of December 31, 2025, Velocity maintained a portfolio of loans held for investment totaling $6.5 billion in unpaid principal balance across 16,652 loans in 48 states and the District of Columbia. During 2025, the company originated 6,336 loans totaling $2.7 billion sourced through 1,777 different mortgage brokers.
Velocity's business model centers on originating loans through an extensive network of independent mortgage brokers and direct borrower relationships, then financing these loans through warehouse facilities and securitizations. The company has successfully executed 46 securitizations, issuing $10.6 billion in principal amount of securities between 2011 and 2025. The majority of loans are fixed-rate, fully-amortizing 30-year products, which comprised 87.9 percent of originations in 2025. The company also offers short-term, interest-only loans for property acquisition and repositioning.
In December 2021, Velocity acquired an 80 percent ownership interest in Century Health & Housing Capital, LLC, a licensed Ginnie Mae issuer and servicer providing government-insured FHA mortgage financing for multifamily housing, senior housing, and long-term care facilities. This acquisition expanded the company's product offerings and servicing capabilities.
As of December 31, 2025, Velocity employed 371 people, with 98 percent working full-time. The company generated $210.4 million in portfolio-related net interest income during 2025, representing a 3.61 percent net interest margin. Velocity's competitive advantages include its established franchise and brand recognition within the real estate lending community, customized technology and proprietary data analytics developed over 21 years, a large in-place portfolio with attractive long-term financing, experienced management, and in-house asset management capabilities focused on loss mitigation.
Company details
- Sector
- Financials
- Industry
- Finance Services
- Headquarters
- WESTLAKE VILLAGE, CA
- Fiscal year end
- December
- CIK
- 1692376
- SIC
- 6199
Financial performance, year by year
Fiscal 2020–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Velocity Financial, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Velocity Financial, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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