VEL earnings

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in investor real estate loans, will release its first quarter 2026 results after the market close on Wednesday, May 6, 2026. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of the Company's Investor Relations website at https://www.velfinance.com/events-and-presentations. To join the webcast, please go to Velocity's website at least 15 minutes be

Fourth Quarter Highlights Financial Results Net income of $34.8 million, an increase of 69.0% from $20.6 million for 4Q24. Diluted EPS of $0.89, an increase of $0.32 from $0.57 per share for 4Q24 Driven by record production volume, strong portfolio earnings and a tax effected gain of $13.4 million on sale of NPL loans Core net income of $36.3 million, an increase of 67.0% from $21.8 million for 4Q24. Core diluted EPS of $0.93, an increase from $0.60 per share for 4Q241 Diluted book value per common share of $17.19 or $675.7 million, an increase of 20.5% from $14.26 or $520.2 million as of December 31, 2024 Portfolio net interest margin (NIM) of 3.59%, a decrease of 11 bps

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in investor real estate loans, will release its fourth quarter and full year 2025 results after the market close on Wednesday, March 11, 2026. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of the Company's Investor Relations website at https://www.velfinance.com/events-and-presentations. To join the webcast, please go to Velocity's website at l

Third Quarter Highlights Financial Results Net income of $25.4 million, an increase of 60.6% from $15.8 million for 3Q24. Diluted EPS of $0.65, an increase of $0.21 from $0.44 per share for 3Q24 Driven by record production volume and strong portfolio earnings Core net income of $26.9 million, an increase of 58.9% from $16.9 million for 3Q24. Core diluted EPS of $0.69, an increase from $0.47 per share for 3Q241 Diluted book value per common share of $16.31, an increase of 20.0% from $13.59 as of September 30, 2024 Portfolio net interest margin (NIM) of 3.65%, an increase of 5 bps from 3.60% for 3Q24 Consistently strong NIM levels have resulted from rate discipline on record ne

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in investor real estate loans, will release its third quarter 2025 results after the market close on Thursday, November 6, 2025. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of the Company's Investor Relations website at https://www.velfinance.com/events-and-presentations. To join the webcast, please go to Velocity's website at least 15 minute

Second Quarter Highlights Financial Results Net income of $26.0 million, an increase of 75.9% from $14.8 million for 2Q24. Diluted EPS of $0.69, an increase of $0.27 from $0.42 per share for 2Q24 Driven by record production volume and strong portfolio earnings Core net income of $27.5 million, an increase of 72.6% from $15.9 million for 2Q24. Core diluted EPS of $0.73, an increase from $0.45 per share for 2Q24 Core net income and Core diluted EPS are non-GAAP financial measures. Non-GAAP core adjustments included stock-based compensation expenses and costs related to the Company's employee stock purchase plan Diluted book value per common share of $15.62, an increase o

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in investor real estate loans, will release its second quarter 2025 results after the market close on Thursday, August 7, 2025. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of the Company's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, please go to Velocity's website at least 15 mi

First Quarter Highlights: Net income of $18.9 million, up 9.5% from $17.3 million for 1Q24. Diluted EPS of $0.51, up $0.02 from $0.49 per share for 1Q24 Core net income(1) of $20.3 million, an increase of 11.0% from $18.2 million for 1Q24. Core diluted EPS(1) of $0.55, up from $0.51 per share for 1Q24 Record loan production of $640.4 million in UPB, a 13.7% and 69.1% increase from 4Q24 and 1Q24, respectively Nonperforming loans (NPL) as a percentage of HFI(2) loans were 10.8%, relatively consistent with 10.7% as of December 31, 2024, and 10.1% as of March 31, 2024, respectively Resolutions of NPL and real estate owned (REO) totaled $76.4 million in UPB Realized gains of $1.9 mil

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in commercial investor loans, will release its first quarter 2025 results after the market close on Thursday, May 1, 2025. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of the Company's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, please go to Velocity's website at least 15 minutes b

 Fourth Quarter Highlights: Net income of $20.6 million, up 18.6% from $17.4 million for 4Q23. Diluted EPS of $0.57, up $0.07 from $0.50 per share for 4Q23 Core net income(1) of $21.8 million, an increase of 34.6% from $16.2 million for 4Q23. Core diluted EPS(1) of $0.60, up from $0.46 per share for 4Q23 Loan production of $563.5 million in UPB, an 18.2% and 60.0% increase from 3Q24 and 4Q23, respectively Year-to-date 2025 loan production through February of $429.4 million Nonperforming loans (NPL) as a percentage of Held for Investment (HFI)(2) loans was 10.7%, up slightly from 10.6% as of September 30, 2024, and 9.7% as of December 31, 2023, respectively Resolutions of NPL a

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in commercial investor loans, will release its fourth quarter and full-year 2024 results after the market close on Thursday, March 6, 2025. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of the Company's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, please go to Velocity's website at

Third Quarter Highlights: Net income of $15.8 million, up 30.8% from $12.1 million for 3Q23. Diluted EPS of $0.44, up $0.09 from $0.35 per share for 3Q23 Core net income(1) of $16.9 million, an increase of 31.2% from $12.9 million for 3Q23. Core diluted EPS(1) of $0.47, up from $0.37 per share for 3Q23 Loan production of $476.8 million in UPB, a 12.9% and 64.1% increase from 2Q24 and 3Q23, respectively Nonperforming loans as a percentage of Held for Investment (HFI)(2) loans was 10.6%, up slightly from 10.5% as of June 30, 2024, and 10.1% as of September 30, 2023, respectively Resolutions of nonperforming loans (NPL) and real estate owned (REO) totaled $68.6 million in UPB Reali

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in commercial investor loans, will release its third quarter 2024 results after the market close on Thursday, November 7, 2024. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of the Company's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, please go to Velocity's website at least 15 minu

Second Quarter Highlights: Net income of $14.7 million, up 21.3% from $12.2 million for 2Q23. Diluted EPS of $0.42, up $0.06 from $0.36 per share for 2Q23 Core net income(1) of $15.9 million, an increase of 23.1% from $12.9 million for 2Q23. Core diluted EPS(1) of $0.45, up from $0.38 per share for 2Q23 Loan production of $422.2 million in UPB, an 11.5% and 63.2% increase from 1Q24 and 2Q23, respectively Nonperforming loans as a percentage of Held for Investment (HFI) loans was 10.5%, up slightly from 10.1% as of March 31, 2024, and 10.0% as of June 30, 2023, respectively Resolutions of nonperforming loans (NPL) and real estate owned (REO) totaled $80.7 million in UPB Reali

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in commercial investor loans, will release its second quarter 2024 results after the market close on Thursday, August 1, 2024. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of the Company's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, please go to Velocity's website at least 15 min

First Quarter Highlights: Net income of $17.3 million, up 62.0% from $10.6 million for 1Q23. Diluted EPS of $0.49, up $0.18 from $0.31 per share for 1Q23 Core net income(1) of $18.2 million, an increase of 60.4% from $11.4 million for 1Q23. Core diluted EPS(1) of $0.51, up from $0.33 per share for 1Q23 Loan production of $378.7 million in UPB, a 7.5% increase from 4Q23 and 74.5% from 1Q23 Loan production in April 2024 totaled $129.0 million with an 11.0% weighted average coupon (WAC) Nonperforming loans as a percentage of Held for Investment (HFI) loans was 10.1%, up slightly from the 9.7% as of December 31, 2023, and an increase from 8.7% as of March 31, 2023 Resoluti

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in commercial investor loans, will release its first quarter 2024 results after the market close on Thursday, May 2, 2024. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of the Company's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, please go to Velocity's website at least 15 minutes

Fourth Quarter Highlights: Net income of $17.4 million, up 105.1% from $8.5 million for 4Q22. Diluted EPS of $0.50, up $0.25 from $0.25 per share for 4Q22 Core net income(1) of $16.2 million, up 77.2% from $9.1 million for 4Q22. Core diluted EPS(1) of $0.46, up $0.19 from $0.27 per share for 4Q22 Loan production of $352.1 million in UPB, a 21.2% increase from 3Q23 and 26.8% from 4Q22 Year-to-date 2024 loan production through February 2024 totaled $254.4 million with an 11.1% weighted average coupon (WAC) Nonperforming loans as a percentage of Held for Investment (HFI) loans was 9.7%, a decrease from 10.1% as of September 30, 2023, and an increase from 8.3% as of December

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in commercial investor loans, will release its fourth quarter and full-year 2023 results after the market close on Thursday, March 7, 2024. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of the Company's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, please go to Velocity's website at

Third Quarter Highlights: Net income of $12.1 million, up 21.1% from $10.0 million for 3Q22. Diluted EPS of $0.35, up $0.06 from $0.29 per share for 3Q22 Core net income(1) of $12.9 million, up 29.4% from $10.0 million for 3Q22. Core diluted EPS(1) of $0.37, up $0.08 from $0.29 per share for 3Q22 Loan production of $290.6 million in UPB, a 12.3% increase from 2Q23 and a decrease of 36.5% from 3Q22 October loan production of $130.8 million with an 11.2% weighted average coupon (WAC), our strongest monthly volume level in 12 months Total loan portfolio of $3.9 billion in UPB, an increase of 12.9% from September 30, 2022 Nonperforming loans as a percentage of Held for Inves

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in business purpose loans, will release its third quarter 2023 results after the market close on Thursday, November 2, 2023. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of the Company's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, please go to Velocity's website at least 15 minut

Second Quarter Highlights: Net income of $12.2 million and diluted earnings per share (EPS) of $0.36, compared to $10.6 million and $0.31 per share, respectively, for 2Q22 Core net income(1) of $12.9 million and core diluted EPS(1) of $0.38, compared to $10.6 million and $0.31 per share, respectively, for 2Q22 Loan production volume of $258.6 million in unpaid principal balance (UPB), a decrease of 41.9% from 2Q22 Total loan portfolio of $3.7 billion as of June 30, 2023, an increase of 20.4% from June 30, 2022 Nonperforming loans as a percentage of Held for Investment (HFI) loans was 10.0% as of June 30, 2023, an increase from 8.2% as of June 30, 2022 Resolutions of nonper

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in business purpose loans, will release its second quarter 2023 results after the market close on Thursday, August 3, 2023. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of the Company's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, please go to Velocity's website at least 15 minute

First Quarter Highlights: Net income of $10.6 million and diluted earnings per share (EPS) of $0.31, compared to $3.1 million and $0.09 per share, respectively, for 1Q22 Core net income(1) of $11.4 million and core diluted EPS(1) of $0.33, compared to $12.4 million and $0.36 per share, respectively, for 1Q22 Loan production volume of $217.0 million in unpaid principal balance (UPB), a decrease of 62.7% from 1Q22 Primarily due to management's strategic decision to reduce volume Total loan portfolio of $3.6 billion as of March 31, 2023, an increase of 25.0% from March 31, 2022 Nonperforming loans as a percentage of Held for Investment (HFI) loans was 8.7% as of March 31, 2

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in business purpose loans, will release its first quarter 2023 results after the market close on Thursday, May 4, 2023. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of the Company's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, please go to Velocity's website at least 15 minutes be

Fourth Quarter Highlights: Net income of $8.5 million and diluted earnings per share (EPS) of $0.25, compared to $8.4 million and $0.24 per share, respectively, for 4Q21 Core net income(1) of $9.1 million and core diluted EPS(1) of $0.27, compared to $10.1 million and $0.29 per share, respectively, for 4Q21 Loan production volume of $277.8 million in unpaid principal balance (UPB), a decrease of 44.2% from 4Q21 Production in 4Q22 strategically reduced due to volatility in the securitization market Total loan portfolio of $3.5 billion as of December 31, 2022, an increase of 35.8% from December 31, 2021 Nonaccrual loans as a percentage of Held for Investment (HFI) loans was 8.3%

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in commercial investor loans, will release its fourth quarter and full-year 2022 results after the market close on Thursday, March 9, 2023. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of the Company's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, please go to Velocity's website at l

Third Quarter Highlights: Net income of $10.0 million and diluted earnings per share (EPS) of $0.29, compared to $8.0 million and $0.23 per share, respectively, for 3Q21 Core net income(1) of $10.0 million and core diluted EPS(1) of $0.29, compared to $8.0 million and $0.23 per share, respectively, for 3Q21 Loan production volume of $457.3 million in unpaid principal balance (UPB), an increase of 34.2% from 3Q21 Total loan portfolio UPB of $3.4 billion as of September 30, 2022, an increase of 51.1% from September 30, 2021 Nonaccrual loans as a percentage of Held for Investment (HFI) loans was 7.4% as of September 30, 2022, down from 12.7% as of September 30, 2021 Resolutions of

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in commercial investor loans, will release its third quarter 2022 results after the market close on Thursday, November 3, 2022. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of Velocity Financial's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, please go to Velocity's website at least

Second Quarter Highlights: Net income of $10.6 million and diluted earnings per share (EPS) of $0.31, compared to $9.5 million and $0.28 per share, respectively, for 2Q21 Core net income(1) of $10.6 million and core diluted EPS(1) of $0.31, compared to $8.5 million and $0.25 per share, respectively, for 2Q21 Loan production volume of $445.4 million in unpaid principal balance (UPB), an increase of 73.6% from 2Q21 Loan production volume for the first half of 2022 was over $1.0 billion in UPB, more than twice the amount originated over the same period in 2021 Total loan portfolio UPB of $3.1 billion as of June 30, 2022, an increase of 49.3% from June 30, 2021 Nonaccrual loans as a

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in commercial investor loans, will release its second quarter 2022 results after the market close on Thursday, August 4, 2022. Velocity's executive management team will host a conference call and webcast to review its financial results at 3:00 p.m. Pacific Time / 6:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of Velocity Financial's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, please go to Velocity's website at least 1

First Quarter Highlights: Net income of $3.1 million and diluted earnings per share (EPS) of $0.09, down from $8.4 million and $0.24 per share, respectively, for 4Q21 Core net income(1) of $12.4 million and core diluted EPS(1) of $0.36, up from $10.1 million and $0.29 per share, respectively, for 4Q21 Loan production volume of $581.4 million in unpaid principal balance (UPB), a third consecutive quarterly record and an increase of 16.8% from 4Q21 Loans held for investment (HFI) UPB of $2.8 billion as of March 31, 2022, an increase of 12.0% from December 31, 2021 Nonaccrual loans as a percentage of Held for Investment (HFI) loans was 9.8% as of March 31, 2022, down from 10.9% as of

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in commercial investor loans, will release its first quarter 2022 results after the market close on Thursday, May 5, 2022. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of Velocity Financial's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, please go to Velocity's website at least 15 mi

Fourth Quarter Highlights: Net Income of $8.4 million and diluted earnings per share (EPS) of $0.24, an increase from $8.0 million and $0.23 per share, respectively, for 3Q21 Core net income(1) of $10.1 million and core diluted EPS(1) of $0.29, an increase from $8.0 million and $0.23 per share, respectively, for 3Q21 Loan production volume of $497.8 million in unpaid principal balance (UPB), a new quarterly record and an increase of 46.1% from 3Q21 Loans held for investment (HFI) UPB of $2.50 billion as of December 31, 2021, an increase of 10.1% from September 30, 2021 Nonaccrual loans as a percentage of HFI loans was 10.9% as of December 31, 2021, down from 12.7% as of September

Velocity Financial, Inc. ("Velocity" or the "Company") (NYSE:VEL), a leading provider of small balance investor loans, today announced a preliminary financial and operational update for the quarter ended December 31, 2021. The Company expects to release its fourth quarter 2021 results after market close on March 10, 2022, to be followed by a conference call and webcast hosted by the Company to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Fourth Quarter Financial and Operational Estimates: Loan production volume is expected to be approximately $497.8 million in unpaid principal balance (UPB), the largest volume of originations in a singl

Third Quarter Highlights: Net income and Core income(1) of $8.02 million; diluted EPS and Core diluted EPS(1) of $0.23 Loan production volume increased 32.81% quarter-over-quarter and totaled $340.66 million in unpaid principal balance (UPB), driven mainly by growth in demand for Investor 1-4 Rental loans Portfolio net interest income of $26.6 million, an increase of 9.0% from 2Q21 Portfolio net interest margin of 4.97% Book value per common share of $12.05 as of September 30, 2021, an increase from $11.62 per share as of June 30, 2021 Loans held for investment (HFI) UPB of $2.27 billion as of September 30, 2021 Nonaccrual loans as a percentage of HFI loans was 12.7% as of Sep

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in small balance investor loans, announced today that it is scheduled to release its third quarter 2021 results after the market close on Wednesday, November 3, 2021. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of Velocity Financial's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, pl

Second Quarter Highlights: Net income of $9.45 million and Core income(1) of $8.45 million; diluted EPS of $0.28 and Core diluted EPS of $0.25 Core diluted EPS(1) increased 24% sequentially to $0.25 per share in 2Q21 from $0.20 in 1Q21 Loan production volume increased 10.07% Q/Q and totaled $256.51 million in unpaid principal balance (UPB), driven by growth in Traditional Commercial and Short-Term products and continued strong demand for Investor 1-4 Rental loans Portfolio net interest margin of 4.83% Book value per common share of $11.62 as of June 30, 2021 Loans held for investment (HFI) UPB of $2.07 billion as of June 30, 2021 Nonaccrual loans as a percentage of HFI loans w

Velocity Financial, Inc. (NYSE:VEL) ("Velocity" or "Company"), a leader in small balance investor loans, announced today that it is scheduled to release its second quarter 2021 results after the market close on Thursday, August 5, 2021. Velocity's executive management team will host a conference call and webcast to review its financial results at 2:00 p.m. Pacific Time / 5:00 p.m. Eastern Time on the same day. Webcast Information The conference call will be webcast live in listen-only mode and can be accessed through the Events and Presentations section of Velocity Financial's Investor Relations website at https://www.velfinance.com/events-and-presentations. To listen to the webcast, plea