Velocity Financial, Inc. (VEL) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.015 Good day, and welcome to the Velocity Financial Inc. 00:00:03.015 -- 00:00:08.983 Fourth Quarter 2025 Conference Call. All participants will be in listen-only mode. 00:00:08.983 -- 00:00:12.167 Should you need assistance, please signal a conference specialist by pressing the star 00:00:12.167 -- 00:00:14.570 key followed by zero. 00:00:14.570 -- 00:00:18.195 After today's presentation, there will be an opportunity to ask questions. 00:00:18.195 -- 00:00:22.220 To ask a question, you may press star then one on your telephone keypad, and to ajar 00:00:22.220 -- 00:00:25.765 your question, please press star then two. 00:00:25.765 -- 00:00:29.005 Please note, today's event is being recorded. 00:00:29.005 -- 00:00:32.110 I would now like to turn the conference over to Chris Oltman, Treasurer. 00:00:32.110 -- 00:00:34.551 Please go ahead. 00:00:34.574 -- 00:00:39.502 Thanks, Rocco. Hello, everyone, and thank you for joining us today for the discussion 00:00:39.502 -- 00:00:42.908 of Velocity's fourth quarter and full year results. 00:00:42.908 -- 00:00:48.497 Joining me today are Chris Farrar, Velocity's President and Chief Executive Officer, 00:00:48.497 -- 00:00:52.192 and Mark Supaniak, Velocity's Chief Financial Officer. 00:00:52.192 -- 00:00:56.437 Earlier this afternoon, we released our results, and you can find the press release and 00:00:56.437 -- 00:01:01.244 accompanying presentation that we will refer to during this call on our investor relations 00:01:01.244 -- 00:01:04.545 website at www.bellfinance.com. 00:01:05.629 -- 00:01:10.175 I'd like to remind everyone that today's call may include forward-looking statements, 00:01:10.175 -- 00:01:14.941 which are uncertain and outside of the company's control, and actual results may...