Christopher Oltmann | Chief Accounting Officer and Director of Investor Relations |
Christopher Farrar | Chief Executive Officer |
Mark Szczepaniak | Chief Financial Officer |
Stephen DeLaney | JMP Securities |
Stephen Laws | Raymond James & Associates |
Arren Cyganovich | Citigroup Inc. |
Donald Fandetti | Wells Fargo & Company |
Good afternoon and welcome to the Velocity Financial Incorporated 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 note, this event is being recorded. I would now like to turn the conference over to Mr.