Matt Roslin | EVP of Legal Affairs and Investor Relations |
Mat Ishbia | Chairman and CEO |
Tim Forrester | CFO |
Brock Vandervliet | UBS |
Steven DeLaney | JMP Securities |
Henry Coffey | Wedbush |
Bose George | KBW |
Douglas Harter | Credit Suisse |
Ryan Nash | Goldman Sachs |
Good morning. My name is Chantal and I will be your conference operator today. At this time, I would like to welcome everyone to the UWM Holdings Corporation Third Quarter 2021 Earnings Conference Call. [Operator Instructions] Thank you. Matt Roslin, you may begin your conference.