 Velocity Financial, Inc. NYSE:VEL Q3 2022 Earnings Conference Call November 3, 2022 5:00 PM ET 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 todays presentation, there will be an opportunity to ask questions. 