Christopher Oltmann | Chief Accounting Officer and Director of Investor Relations |
Christopher Farrar | President and Chief Executive Officer |
Mark Szczepaniak | Chief Financial Officer |
Stephen Laws | Raymond James & Associates, Inc. |
Arren Cyganovich | Citigroup Inc. |
Stephen DeLaney | JMP Securities LLC |
Donald Fandetti | Wells Fargo Securities, LLC |
Good day, and welcome to the Velocity Financial, Inc. Fourth Quarter and Full-Year 2021 Results 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 note this event is being recorded.