Velocity Financial, Inc. (NYSE:VEL) Q4 2020 Earnings Conference Call March 16, 2020 5:00 PM ET Company Participants Chris Oltmann - Chief Accounting Officer Chris Farrar - President & Chief Executive Officer Mark Szczepaniak - Chief Financial Officer Conference Call Participants Arren Cyganovich - Citi Stephen Laws - Raymond James Steve DeLaney - JMP Securities Don Fandetti - Wells Fargo Operator Good day, and welcome to the Velocity Financial Incorporated Fourth Quarter 2020 Earnings Conference Call. All p ...