diff --git a/src/EFCore/ChangeTracking/Internal/SnapshotFactoryFactory.cs b/src/EFCore/ChangeTracking/Internal/SnapshotFactoryFactory.cs
index b4da0cb54ad..a4e6a57cd36 100644
--- a/src/EFCore/ChangeTracking/Internal/SnapshotFactoryFactory.cs
+++ b/src/EFCore/ChangeTracking/Internal/SnapshotFactoryFactory.cs
@@ -129,7 +129,9 @@ protected virtual Expression CreateSnapshotExpression(
 
                 case IProperty property:
                     // Shadow property materialization on complex types is not currently supported (see #35613).
-                    if (propertyBase.DeclaringType is IComplexType && property.IsShadowProperty())
+                    if (propertyBase.DeclaringType is IComplexType
+                        && property.IsShadowProperty()
+                        && (parameter == null || !parameter.Type.IsAssignableTo(typeof(IInternalEntry))
                     {
                         arguments[i] = propertyBase.ClrType.GetDefaultValueConstant();
                         types[i] = propertyBase.ClrType;
diff --git a/test/EFCore.Specification.Tests/Query/AdHocComplexTypeQueryTestBase.cs b/test/EFCore.Specification.Tests/Query/AdHocComplexTypeQueryTestBase.cs
index b5d5739c8e3..7db32f29df9 100644
--- a/test/EFCore.Specification.Tests/Query/AdHocComplexTypeQueryTestBase.cs
+++ b/test/EFCore.Specification.Tests/Query/AdHocComplexTypeQueryTestBase.cs
@@ -379,6 +379,62 @@ public class OptionalComplexProperty
 
     #endregion Issue37337
 
+    #region Issue37914
+
+    [ConditionalFact]
+    public virtual async Task Update_entity_with_nullable_complex_type_and_discriminator()
+    {
+        var contextFactory = await InitializeAsync<Context37914>(
+            seed: context =>
+            {
+                context.Add(
+                    new Context37914.EntityType
+                    {
+                        Prop = new Context37914.OptionalComplexProperty
+                        {
+                            OptionalValue = true
+                        }
+                    });
+                return context.SaveChangesAsync();
+            });
+
+        await using var context = contextFactory.CreateContext();
+
+        var entity = await context.Set<Context37914.EntityType>().SingleAsync();
+        Assert.NotNull(entity.Prop);
+        Assert.True(entity.Prop.OptionalValue);
+
+        context.Update(entity);
+        await context.SaveChangesAsync();
+    }
+
+    private class Context37914(DbContextOptions options) : DbContext(options)
+    {
+        protected override void OnModelCreating(ModelBuilder modelBuilder)
+        {
+            var entity = modelBuilder.Entity<EntityType>();
+            entity.Property(p => p.Id);
+            entity.HasKey(p => p.Id);
+
+            var compl = entity.ComplexProperty(p => p.Prop);
+            compl.Property(p => p.OptionalValue);
+            compl.HasDiscriminator();
+        }
+
+        public class EntityType
+        {
+            public Guid Id { get; set; }
+            public OptionalComplexProperty? Prop { get; set; }
+        }
+
+        public class OptionalComplexProperty
+        {
+            public bool? OptionalValue { get; set; }
+        }
+    }
+
+    #endregion Issue37914
+
     protected override string NonSharedStoreName
         => "AdHocComplexTypeQueryTest";
 }