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Operator: Greetings and welcome to the Home Point Capital Fourth Quarter 2022 Financial Results Call. As a reminder, this conference is being recorded.

United statesMark elbaumMihir bhatiaDoug harterWillie newmanGinnie maeHome point capital incSoftware stocks to investCredit suisseHome point capitalCall transcript marchHome point capital fourth quarterHome pointChief executive officerChief financialHome point investor relations