Blake Kolo | Chief Business Officer & Head of IR |
Mat Ishbia | Chairman & CEO |
Andrew Hubacker | Chief Financial Officer |
Bose George | KBW |
Eric Hagen | BTIG |
Douglas Harter | Credit Suisse |
Steven Delaney | JMP Securities |
Good morning. My name is Chris, and I'll be your conference operator today. At this time I'd like to welcome everyone to the UWM Holdings Corporation's Fourth Quarter and Full Year 2022 Earnings Conference Call. All lines have been place on mute to prevent any background noise. After the speakers remarks there will be a question-and-answer session.