Christopher Oltmann | executive |
Christopher Farrar | executive |
Mark Szczepaniak | executive |
Sarah Barcomb | analyst |
Donald Fandetti | analyst |
Stephen Laws | analyst |
Steven Delaney | analyst |
Arren Cyganovich | analyst |
Good day, and welcome to Velocity Financial's Fourth Quarter Conference Call. [Operator Instructions] Please note this event is being recorded.
I would now like to turn the conference over to Chris Oltmann. Please go ahead.
Thanks, Ed.