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VEL-AIR SERVICE HEATING AND COOLING

in Velocity Financial · Inc. (NYSE: VEL) is where real estate investors · brokers and the capital markets come together. Through our nationwide broker network · CA Nationwide Lender Originations in 45 states & Washington · low loss content and structural interest rate protections (1) As of December 31 · 2025 Substantial · coupled with 21 years of proprietary operational data · enables specialized analytics to support lending and product development activities &nbsp · executing 46 securitization since 2011(1) · with 9 securitizations completed for the 12 months ended December 31 · low LTVs and proactive loss mitigation strategies (1) From 2011 through December 31 · 2025 (2) As of December 31 · 2025 (3) Reflects the charge-offs to average nonperforming loans · excluding FVO loans · for the 12 months ended December 31 · 2013 through December 31 · structured finance · growing broker network · and proven financing strategies position us well for strong performance in the future &nbsp · (1) As of September 20

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in Velocity Financial
Inc. (NYSE: VEL) is where real estate investors
brokers and the capital markets come together. Through our nationwide broker network
CA Nationwide Lender Originations in 45 states & Washington
low loss content and structural interest rate protections (1) As of December 31
2025 Substantial
coupled with 21 years of proprietary operational data
enables specialized analytics to support lending and product development activities &nbsp
executing 46 securitization since 2011(1)
with 9 securitizations completed for the 12 months ended December 31
low LTVs and proactive loss mitigation strategies (1) From 2011 through December 31
2025 (2) As of December 31
2025 (3) Reflects the charge-offs to average nonperforming loans
excluding FVO loans
for the 12 months ended December 31
2013 through December 31
structured finance
growing broker network
and proven financing strategies position us well for strong performance in the future &nbsp
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(1) As of September 20

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1Q26 Results Press Release   Presentation   Webcast Sub Title Why Invest in Velocity Financial, Inc. Providing financing solutions for residential 1-4 and small commercial investor properties Why Invest in Velocity Financial, Inc. 21 years of operational history and in-depth knowledge of the business purpose loan market Why Invest in Velocity Financial, Inc. Strong earnings performance driven by our differentiated business model - 01 Providing financing solutions for residential 1-4 an

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