 loanDepot, Inc. NYSE:LDI Q3 2022 Earnings Conference Call November 8, 2022 5:00 PM ET Company Representatives Frank Martell - President, Chief Executive Officer Patrick Flanagan - Chief Financial Officer Jeff DerGurahian - Chief Capital Markets Officer Jeff Walsh - LDI mortgage President Gerhard Erdelji - Senior Vice President, Investor Relations Conference Call Participants Doug Harter - Credit Suisse Blake Netter - Morgan Stanley Trevor Cranston - JMP Securities Kyle Joseph - Jefferies Operator Good afternoon and welcome everyone to loanDepots Third Quarter 2022 Conference Call. All lines have been placed on mute to prevent any background noise. 