John Shallcross | Investor Relations |
Jay Farner | Chief Executive Officer |
Julie Booth | Chief Financial Officer |
Bob Walters | President and Chief Operating Officer |
Timothy Chiodo | Credit Suisse |
James Faucette | Morgan Stanley |
Ryan Nash | Goldman Sachs |
Mihir Bhatia | Bank of America |
Dan Perlin | RBC |
Arren Cyganovich | Citi |
Ryan McKeveny | Zelman & Associates |
Rich Shane | JPMorgan |
Ladies and gentlemen, thank you for standing by and welcome to the Rocket Companies Inc. Fourth Quarter 2020 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions] I would now like to hand the conference over to your speaker today, John Shallcross.