EXHIBIT II
Joint Filing Agreement
THIS JOINT FILING AGREEMENT is entered into as of
February 13, 2026, by and among the parties signatories hereto. The undersigned hereby agree that the Statement on Schedule 13G with respect to the shares of Common Stock, par value $0.01 per share, of Velocity Financial, Inc. is, and any amendment
thereafter signed by each of the undersigned shall be, filed on behalf of each undersigned pursuant to and in accordance with the provisions of Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended.
February 13, 2026
Date
Beach Point Capital Management LP
/s/ David Rosenblum
Signature
David Rosenblum, General Counsel
Name/Title
February 13, 2026
Date
Beach Point GP LLC
/s/ David Rosenblum
Signature
David Rosenblum, General Counsel
Name/Title
