144 0001794812 XXXXXXXX LIVE 0001692376 VELOCITY FINANCIAL INC 001-39183 2945 Townsgate Road, Suite 110 Westlake Village CA 91361 8185323700 SZCZEPANIAK FAMILY TRUST U/A DTD 08/10/2021 Officer Common Morgan Stanley Smith Barney LLC Executive Financial Services

1 New York Plaza 8th Floor New York NY 10004

6292 120869.32 38900030 01/15/2026 NYSE Common 01/13/2025 Restricted Stock Awards Issuer N 6292 01/13/2025 N/A N 10b5-1 Sales for SZCZEPANIAK FAMILY TRUST U/A DTD 08/10/2021

2945 Townsgate Road, Suite 110 Westlake Village CA 91361

Common 12/01/2025 1572 30409.08 10b5-1 Sales for SZCZEPANIAK FAMILY TRUST U/A DTD 08/10/2021

2945 Townsgate Road, Suite 110 Westlake Village CA 91361

Common 11/03/2025 1572 29087.82 The securities to be sold were acquired upon the vesting of restricted stock awards on 01/13/2025, 02/14/2025 and 01/13/2026. 01/15/2026 03/20/2025 /s/ Mark R Szczepaniak