Velocity Financial, Inc. (NYSE:VEL) Q3 2021 Earnings Conference Call November 3, 2021 5:00 PM ET Company Participants Christopher Oltmann - Chief Accounting Officer and Director of IR Christopher Farrar - CEO Mark Szczepaniak - CFO Conference Call Participants Stephen Laws - Raymond James & Associates Donald Fandetti - Wells Fargo & Company Stephen DeLaney - JMP Securities Arren Cyganovich - Citigroup Inc. Operator Good day and welcome to the Velocity Financial Inc. Third Quarter 2021 Earnings Conference Ca ...