Flagstar Bank, N.A. (FLG) Q1 2025 Earnings Call

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WEBVTT 00:00:00.672 -- 00:00:04.437 Hello and thank you for standing by. My name is Regina and I will be your conference 00:00:04.437 -- 00:00:09.144 operator today. At this time, I would like to welcome everyone to the Flagstar Financial 00:00:09.144 -- 00:00:12.468 first quarter 2025 earnings conference call. 00:00:12.468 -- 00:00:16.494 All lines have been placed on mute to prevent any background noise. 00:00:16.494 -- 00:00:19.598 After the speaker's remarks, there will be a question and answer session. 00:00:19.598 -- 00:00:24.485 If you would like to ask a question during this time, simply press star, then the number 00:00:24.485 -- 00:00:28.972 one on your telephone keypad. If you'd like to withdraw your question, press star one 00:00:28.972 -- 00:00:33.647 again. I would now like to turn the conference over to Sal DiMartino, Director of Investor 00:00:33.647 -- 00:00:36.808 Relations. Please go ahead. 00:00:37.430 -- 00:00:39.852 Thank you, Regina, and good morning, everyone. 00:00:39.852 -- 00:00:45.057 Welcome to Flagstar Financial's first quarter 2025 earnings call. 00:00:45.057 -- 00:00:50.422 This morning, our Chairman, President, and CEO, Joseph Otting, along with the company's 00:00:50.422 -- 00:00:55.486 Senior Executive Vice President and Chief Financial Officer, Lee Smith, will discuss 00:00:55.486 -- 00:00:58.807 our first quarter results and outlook. 00:00:58.807 -- 00:01:04.013 During this call, we will be referring to our earnings presentation, which provides additional 00:01:04.013 -- 00:01:08.238 detail on our quarterly results and operating performance. 00:01:08.238 -- 00:01:13.544 Both the earnings presentation and the press release can be found on the investor relations 00:01:13.544 -- 00:01:16.745 section of our company website 00:01:17.22...