Chris Oltmann | Chief Accounting Officer |
Chris Farrar | President & Chief Executive Officer |
Mark Szczepaniak | Chief Financial Officer |
Arren Cyganovich | Citi |
Stephen Laws | Raymond James |
Steve DeLaney | JMP Securities |
Don Fandetti | Wells Fargo |
Good day, and welcome to the Velocity Financial Incorporated Fourth Quarter 2020 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please also note today's event is being recorded. I would like now to turn the conference call over to Chris Oltmann.