Velocity Financial, Inc. (NYSE:VEL) Q4 2021 Earnings Conference Call March 10, 2022 5:00 PM ET Company Participants Christopher Oltmann - Chief Accounting Officer and Director of Investor Relations Christopher Farrar - President and Chief Executive Officer Mark Szczepaniak - Chief Financial Officer Conference Call Participants Stephen Laws - Raymond James & Associates, Inc. Arren Cyganovich - Citigroup Inc. Stephen DeLaney - JMP Securities LLC Donald Fandetti - Wells Fargo Securities, LLC Operator Good day, ...