Velocity Financial, Inc. (NYSE:VEL) Q3 2022 Earnings Conference Call November 3, 2022 5:00 PM ET Â Â Company Participants Chris Oltmann – Treasurer Chris Farrar – President and Chief Executive Officer Mark Szczepaniak – Chief Financial Officer Conference Call Participants Steve Delaney – JMP Securities Operator Good afternoon, and welcome to the Velocity Financial, Inc. Third Quarter 2022 Conference Call. [Operator Instructions] After todayÂ's presentation, there will be an opportunity to ask questions. [Op ...