Velocity Financial, Inc. (VEL) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.577 and welcome to the velocity financial Inc third quarter 2025 conference call 00:00:05.577 -- 00:00:09.901 all participants will be in listen-only mode should you need assistance please signal 00:00:09.901 -- 00:00:15.226 conference specialists by pressing the star key followed by zero after today's presentation 00:00:15.226 -- 00:00:20.212 there will be an opportunity to ask questions to ask a question you may press star then 00:00:20.212 -- 00:00:24.976 one on a touch tone phone to withdraw your question please press star then two please 00:00:24.976 -- 00:00:29.460 note this event is being recorded I would now like to turn the conference over to Chris 00:00:29.460 -- 00:00:32.824 Oltman, Treasurer. Please go ahead. 00:00:32.824 -- 00:00:37.389 Thanks, Chloe. Hello, everyone, and thank you for joining us today for the discussion 00:00:37.389 -- 00:00:42.656 of Velocity's third quarter 2025 results. Joining me today are Chris Farrar, 00:00:42.656 -- 00:00:47.682 Velocity's President and Chief Executive Officer, and Mark Cepaniak, Velocity's Chief 00:00:47.682 -- 00:00:52.850 Financial Officer. Earlier this afternoon, we released our third quarter results. 00:00:52.850 -- 00:00:56.855 You can find the press release and accompanying presentation that we will refer to during 00:00:56.855 -- 00:01:02.119 this call on our investor relations website at www.vellfinance.com. 00:01:03.523 -- 00:01:07.268 I'd like to remind everyone that today's call may include forward-looking statements, 00:01:07.268 -- 00:01:12.434 which are uncertain and outside of the company's control, and actual results may differ 00:01:12.434 -- 00:01:13.956 materially. 00:01:13.956 -- 00:01:18.202 For discussion of some of the risks and other factors that could affe...