{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-050329","form_type":"8-K","ticker":"VEL","cik":"0001692376","company_name":"Velocity Financial, Inc.","filed_at":"2025-03-10T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.467468+00:00","generated_at":"2026-05-25T01:44:28.724527+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Velocity Financial Q4 net income $20.6M, up 19%; record loan production $1.84B in 2024","bullets":["Q4 diluted EPS $0.57 vs $0.50 YoY; core diluted EPS $0.60 vs $0.46.","Full-year net income $68.4M, up 30.9% from $52.3M; diluted EPS $1.91.","Loan production Q4 $563.5M UPB, up 60% YoY; full-year record $1.84B.","Portfolio NIM 3.70% vs 3.52% YoY; NPL ratio 10.7% vs 9.7%.","Book value per share $15.70, up 16.4% from $13.49; liquidity $95.9M."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-050329","json":"https://secwatch.observer/filing/0001193125-25-050329.json","markdown":"https://secwatch.observer/filing/0001193125-25-050329.md","text":"https://secwatch.observer/filing/0001193125-25-050329.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1692376/000119312525050329/0001193125-25-050329-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1692376/000119312525050329/d811857d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-25T01:44:28.724527+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}