Matt Roslin | EVP of Legal Affairs, Investor Relations |
Mat Ishbia | President, CEO and Chairman |
Tim Forrester | CFO |
Steve Delaney | JMP Securities |
Henry Coffey | Wedbush |
Bose George | KBW |
Michael Kaye | Wells Fargo |
Ashish Sabadra | Deutsche Bank |
Steve Gish | Allianz |
Good morning, afternoon, evening. My name is Cheryl, and I will be your conference operator today. At this time, I would like to welcome everyone to the UWM Holdings Corporation Fourth Quarter 2020 Earnings Call. All lines have been placed on mute to prevent any background noise. After the speakers remark, there will be a question-and-answer session.