Velocity Financial, Inc. (NYSE:VEL) Q4 2022 Earnings Conference Call March 9, 2023 5:00 PM ET Company Participants Chris Oltmann - Treasurer and Head IR Chris Farrar - President and Chief Executive Officer Mark Szczepaniak - Chief Financial Officer Conference Call Participants Stephen Laws - Raymond James Steve Delaney - JMP Securities Arren Cyganovich - Citigroup Operator Good afternoon, everyone, and welcome to the Velocity Financial, Incorporated Q4 2022 Conference Call. [Operator Instructions] For your ...