Welcome to the Q4 2024 earnings call. My name is Mark, and I will be your operator for today's call. (Operator Instructions) As a reminder, the conference is being recorded. I will now turn the call ...

Lee Smith; Senior Executive Vice President and Chief Financial Officer; Flagstar Financial Inc Mark Fitzgibbon; Analyst; Piper Sandler & Co. Jared Shaw; Analyst; Barclays Christopher Marinac; Analyst; ...