SCHEDULE 13D/A 0000950170-25-036760 0001163368 XXXXXXXX LIVE 6 Common Stock, par value $0.01 per share 04/11/2025 false 0001692376 92262D101 Velocity Financial, Inc.

2945 Townsgate Road, Suite 110 Westlake Village CA 91361

Pacific Investment Mgmt Co LLC (949) 720-6000 650 Newport Center Drive Newport Beach CA 92660 0001163368 N Pacific Investment Management Company LLC OO N DE 12637764 12637764 12637764 N 33.1 IA OO The shares reported in rows 7, 9 and 11 for the Reporting Person represent the securities of the Issuer that are held by TOBI (see Item 2 of the Schedule 13D), comprised of (i) 10,963,806 shares of the Issuer's Common Stock, and (ii) 1,673,958 shares of Common Stock that TOBI has the right to acquire through the exercise of Warrants (the "Warrant Shares"). The number of shares outstanding for purposes of the percentage calculation in row 13 assumes (i) 36,480,648 outstanding shares of the Issuer's Common Stock as of April 3, 2025 as reported by the Issuer to the Reporting Person, plus (ii) the Warrant Shares. Common Stock, par value $0.01 per share Velocity Financial, Inc. 2945 Townsgate Road, Suite 110 Westlake Village CA 91361 The statement on Schedule 13D filed on April 14, 2020 (the "Original Schedule 13D"), relating to the common stock, par value $0.01 per share (the "Common Stock"), of Velocity Financial, Inc. (the "Issuer"), a Delaware corporation, (as amended by Amendment No. 1 to Schedule 13D filed on October 12, 2021 ("Amendment No. 1"), by Amendment No. 2 to Schedule 13D filed on July 14, 2023 ("Amendment No. 2"), by Amendment No. 3 to Schedule 13D filed on July 22, 2024 ("Amendment No. 3), by Amendment No. 4 to the Schedule 13D filed on July 23, 2024 ("Amendment No. 4"), and by Amendment No. 5 to the Schedule 13D filed on March 10, 2025 ("Amendment No. 5" and together with the Original Schedule 13D and Amendment No. 1, Amendment No. 2, Amendment No. 3 and Amendment No. 4, the "Schedule 13D")) is hereby amended as set forth below by this Amendment No. 6 to the Schedule 13D. This Amendment No. 6 to the Schedule 13D is being filed solely to report a change in the Reporting Person's percentage ownership of Common Stock due to a change in the total number of shares of Common Stock outstanding. Except as specifically provided herein, this Amendment No. 6 does not modify any of the information previously reported in the Schedule 13D. Capitalized terms used herein and not otherwise defined herein shall have the respective meanings assigned to such terms in the Schedule 13D. Items 11 and 13 of the cover page of this Schedule 13D are incorporated herein by reference. Items 7 through 10 of the cover page of this Schedule 13D are incorporated herein by reference. Except to the extent reported in this Schedule 13D, the Reporting Person has not engaged in any transactions in the Common Stock during the past sixty days. Pacific Investment Management Company LLC /s/ Alyssa Creighton 04/15/2025