loanDepot, Inc.

Good morning and welcome everyone to Loan Depot's first quarter 2022 conference call. All lines have been placed on mute to prevent any background noise, and if you would like to ask a question during the call, simply press star 1 on your telephone keypad. If you would like to withdraw your question, please press star 1 again. I would now like to turn the call over to Gerhard Egele, Senior Vice President, Investor Relations. Please go ahead.

Good morning, everyone, and thank you for joining our call. I'm Gary Harder-Dailey, investor relations officer here at Loan Depot. Today, we will discuss Loan Depot's first quarter 2022 results. Before we begin, I would like to remind everyone that this conference call may include forward-looking statements regarding the company's operating and financial performance in future periods. All statements other than statements of historical fact are statements that could be deemed forward-looking statements, including but not limited to guidance to our pull-through weighted rate lock volume, origination volume, pull-through weighted gain on sale margin, and expenses. These statements are based on the company's current expectations and available information. Actual results for future periods may differ materially from these forward-looking statements due to risks or other factors that are described in the risk factors section of our filings with the SEC. On the company's investor relations website at investors.loandepot.com under the events and presentations tab.

On today's call, we have Chief Financial Officer Patrick Flanagan. Again, to provide an overview of our quarter, as well as our financial and operational results, outlook, and also joined by our Chief Capital Markets Officer, Jeff DeGurian, and our Chief Revenue Officer, Jeff Walsh. Over to Anthony to get us started. Anthony? Thank you. Good morning.