 UWM Holdings Corporation NYSE:UWMC Q3 2022 Earnings Conference Call November 4, 2022 10:00 AM ET Company Representatives Mat Ishbia - Chairman, Chief Executive Officer Andrew Hubacker - Senior VP, Chief Accounting Officer, Interim Principal Financial Officer Blake Kolo - Chief Business Officer, Head of Investor Relations Conference Call Participants Doug Harter - Credit Suisse Jay McCanless - Wedbush Securities Bose George - KBW James Faucette - Morgan Stanley Kyle Joseph - Jefferies Courtney Bahlman - Barclays Kevin Barker - Piper Sandler Operator Good morning! My name is Rob, and I will be your conference operator today. 