SCHEDULE 13G/A 0001453885 XXXXXXXX LIVE 6 Common Stock, par value $0.01 per share 12/31/2025 0001692376 Velocity Financial, Inc. 92262D101 2945 Townsgate Road Suite 110 Westlake Village CA 91361 Rule 13d-1(b) Beach Point Capital Management LP b DE 0 6949566 0 6949566 6949566 N 17.9 IA **see Note 1** Beach Point GP LLC b DE 0 6949566 0 6949566 6949566 N 17.9 HC **see Note 1** Velocity Financial, Inc. 2945 Townsgate Road, Suite 110, Westlake Village, California, 91361 Beach Point Capital Management LP ("Beach Point Capital") Beach Point GP LLC ("Beach Point GP") c/o Beach Point Capital Management LP, 1620 26th Street, Suite 6000n, Santa Monica, CA 90404 Beach Point Capital - Delaware Beach Point GP - Delaware N IA HC 6,949,566 by each of Beach Point Capital and Beach Point GP (collectively, "Beach Point"). **see Note 1** The Common Stock reported as beneficially owned by Beach Point in this Schedule 13G includes 5,995,466 shares of Common Stock held by certain clients of Beach Point (the "Clients") and 954,100 shares of Common Stock underlying call options beneficially owned by the Clients that are exercisable within 60 days. 17.9% by each of Beach Point Capital and Beach Point GP. The percent of class is based on 38,900,030 shares of Common Stock outstanding as of October 31, 2025, as reported in the Issuer's quarterly report on Form 10-Q filed on November 7, 2025. Beach Point Capital - 0 Beach Point GP - 0 Beach Point Capital - 6,949,566 **see Note 1** Beach Point GP - 6,949,566 **see Note 1** Beach Point Capital - 0 Beach Point GP - 0 Beach Point Capital - 6,949,566 **see Note 1** Beach Point GP - 6,949,566 **see Note 1** Y N While Beach Point Capital and Beach Point GP may each be deemed the beneficial owner of the shares of Common Stock of the Issuer, each of the reporting persons is the beneficial owner of such stock on behalf of the Clients, including Beach Point Securitized Credit Fund LP and Beach Point TX SCF LP, who have the right to receive and the power to direct the receipt of the dividends from, or the proceeds of the sale of, such Common Stock. N See Exhibit I Y Y N By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11. Exhibit I - Identification and Classification of the Subsidiary which Acquired the Security Being Reported on by the Parent Holding Company or Control Person Exhibit II - Joint Filing Agreement Beach Point Capital Management LP /s/ David Rosenblum 02/13/2026 Beach Point GP LLC /s/ David Rosenblum 02/13/2026 ** Note 1 ** Beach Point Capital, an investment adviser registered under Section 203 of the Investment Advisers Act of 1940, furnishes investment advice to the Clients. In its role as investment adviser, Beach Point Capital possesses voting and investment power over the shares of Common Stock of the Issuer described in this schedule that are owned by the Clients, and may be deemed to be the beneficial owner of the shares of Common Stock of the Issuer held by the Clients. However, all securities reported in this schedule are owned by the Clients. Beach Point Capital disclaims beneficial ownership of such securities. Beach Point GP is the sole general partner of Beach Point Capital. As a result, Beach Point GP may be deemed to share beneficial ownership of the shares of Common Stock of the Issuer held by the Clients. Beach Point GP disclaims beneficial ownership of such securities.