Velocity Financial Q3 net income $25.4M, up 60.6% YoY; diluted EPS $0.65

Velocity Financial, Inc.

2025-Q3 EPS reported $1.86

Net income $25.4M, up 60.6% YoY; diluted EPS $0.65 vs $0.44 in 3Q24.
Core net income $26.9M, up 58.9%; core diluted EPS $0.69 vs $0.47.
Record loan production $739M, up 55%; includes $23.9M construction loan origination.
Portfolio NIM 3.65%, up 5 bps; NPL ratio 9.8% improved from 10.3% in 2Q25 and 10.6% in 3Q24.
Completed two securitizations in Q3: $190.9M single counterparty and $457.5M VCC 2025-4.

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