Velocity Financial Inc

The asset remains in a persistent Stage 4 decline, trading below its short- and intermediate-term EMAs with clear lower highs and lower lows. Price is consolidating just under the 9/20 EMA confluence with neutral RSI, indicating lack of support. The medium-term directional bias is bearish, and short-term conditions favor immediate selling on any retest of EMA resistance. Execution focus is selling into the EMA zone with a rejection-based approach.

• ↑Loan production surged 49% YoY to $2.7B in 2025.
• ↑Pre-tax ROE at 26% alongside a consistent 3.56% NIM.
• ↓Interest‐rate sensitivity threatens stability of 3.56% NIM.