Christopher Oltmann | executive |
Christopher Farrar | executive |
Mark Szczepaniak | executive |
Stephen Laws | analyst |
Sarah Barcomb | analyst |
Steven Delaney | analyst |
Good day, and welcome to the Velocity Financial Q3 2023 Conference Call. [Operator Instructions] Please note, this event is being recorded.
I would now like to turn the conference over to Mr. Chris Oltmann. Please go ahead.