Form 8-K

8-K — loanDepot, Inc.

Accession: 0001831631-26-000083

Filed: 2026-08-04

Period: 2026-08-04

CIK: 0001831631

SIC: 6199 (FINANCE SERVICES)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — ldi-20260804.htm (Primary)

EX-99.1 (a2026q2earningsreleaseex991.htm)

EX-99.2 (a2q26investorpresentatio.htm)

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8-K

8-K (Primary)

Filename: ldi-20260804.htm · Sequence: 1

ldi-20260804

FALSE000183163100018316312026-08-042026-08-04

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_____________________

FORM 8-K

_____________________

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (or date of earliest event reported): August 4, 2026

_____________________

loanDepot, Inc.

(Exact Name of Registrant as Specified in its Charter)

_____________________

Delaware 001-40003 85-3948939

(State or other jurisdiction

of incorporation)

(Commission

File Number)

(I.R.S. Employer

Identification Number)

6561 Irvine Center Drive

Irvine, California 92618

(Address of Principal Executive Offices) (Zip Code)

Registrant’s telephone number, including area code: (888) 337-6888

_____________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange

on which registered

Class A Common Stock, $0.001 Par Value LDI New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Item 2.02 Results of Operations and Financial Condition.

On August 4, 2026, loanDepot, Inc. (the "Company") issued a press release announcing its results for the quarter ended June 30, 2026 (the “Earnings Press Release”). The full press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Item 7.01 Regulation FD Disclosure.

On August 4, 2026, the Company posted on the Investor Relations section of its website at investors.loandepot.com a presentation (the “loanDepot Presentation”) on certain financial results and operating initiatives available for viewing during the Company’s conference call and webcast announcing its financial results for the quarter ended June 30, 2026, at 5:00 p.m. Eastern time on August 4, 2026.

A copy of the loanDepot Presentation is furnished pursuant to this Item 7.01 as Exhibit 99.2 to this Current Report on Form 8-K and incorporated by reference herein in its entirety. The loanDepot Presentation includes references to non-GAAP financial information. Reconciliations between the non-GAAP financial measures and the comparable GAAP financial measures are available in the loanDepot Presentation. The loanDepot Presentation should be read in conjunction with the Earnings Press Release. The Company reserves the right to discontinue availability of the loanDepot Presentation from its website at any time.

The information furnished pursuant to Items 2.02 and 7.01, including Exhibits 99.1 and 99.2, shall not be deemed “filed” for purposes of Section 18 of the Exchange Act nor shall it be deemed incorporated by reference into any filing under the Securities Act of 1933, or the Exchange Act, as amended, except as specifically identified therein as being incorporated by reference.

Additionally, the submission of the information set forth in this Item 7.01 is not deemed an admission as to the materiality of any information in this Current Report on Form 8-K that is required to be disclosed solely by Regulation FD.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit Number Description

99.1

loanDepot, Inc. press release dated August 4, 2026

99.2

loanDepot, Inc. Q2 2026 Investor Presentation

104

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

loanDepot, Inc.

By:

/s/ David Hayes

Name: David Hayes

Title: Chief Financial Officer

Date: August 4, 2026

EX-99.1

Filename: a2026q2earningsreleaseex991.htm · Sequence: 2

Document

loanDepot announces second quarter 2026 financial results

Strategic expansion into home equity drove unit volume growth of 25%, and revenue growth of 18%, improved operating leverage and substantially narrowed the quarterly loss compared to prior quarter.

Second Quarter 2026 Highlights:

•Loan origination volume increased 4% to $7.99 billion and unit volume increased 25% from the first quarter of 2026, demonstrating meaningful progress in the Company’s strategic expansion into home equity lending through its 5X5 HomeLoan product.

•Revenue grew 18% to $337 million and adjusted revenue increased 3% to $308 million compared to the prior quarter, primarily due to higher origination income and servicing revenue.

•Pull-through weighted gain on sale margin increased 74 basis points to 345 basis points, supported by the Company’s deliberate mix shift toward higher-margin home equity and government loans.

•Operating leverage strengthened as revenue increased while expenses increased less than 1% to $344 million from the prior quarter, reflecting disciplined cost management and benefits of a more efficient product mix; return on marketing increased 70% and cost-per-funded loan decreased 12% from the second quarter of 20251.

•The Company has begun actioning approximately $12 million of annualized productivity initiatives progressing through the remainder of the year.

•Net loss was narrowed to $7 million, compared with a net loss of $55 million in the prior quarter.

•Adjusted net loss was $29 million, compared with adjusted net loss of $34 million in the prior quarter.

•Adjusted EBITDA was $20 million, compared to adjusted EBITDA of $14 million in the prior quarter.

•The Company repurchased $16 million of senior notes at an average purchase price of 90% of par during the quarter and repurchased an additional $27 million of notes at an average purchase price of 86% of par post quarter end through July 30, 2026.

IRVINE, Calif., August 04, 2026 - loanDepot, Inc. (NYSE: LDI), (together with its subsidiaries, “loanDepot” or the “Company”), today announced results for the second quarter ended June 30, 2026.

"We have moved decisively to reshape the business for profitable market share growth in any macro environment and are starting to see the signs of our progress: we are making more loans, faster and at a lower cost,” said loanDepot Founder and Chief Executive Officer Anthony Hsieh. “In the second quarter, revenue increased, operating leverage improved, and our net loss narrowed substantially even as interest rates rose meaningfully beginning in March. The pace of improvement accelerated as the quarter progressed, with June demonstrating the strongest results so far this year.

Hsieh continued, “A central driver of this momentum is the progress we made during the second quarter in executing our strategic expansion into home equity lending. This represents a significant expansion opportunity within a market supported by approximately $35 trillion of U.S. homeowner equity. Importantly, these are the same homeowners we have long served through traditional refinance products. In a higher-rate environment, however, home equity products can allow qualified borrowers to access liquidity while preserving an attractive first-mortgage rate and may offer a more compelling value proposition than higher-cost alternatives such as unsecured personal loans, credit cards, and certain small business financing products.

1 Internal management metrics: Return on marketing is lead expense to Direct channel revenue and Cost per funded loan is mortgage-related expenses to total origination volume.

“Home equity lending is more stable, less rate sensitive, and less seasonal than refinance and purchase mortgage lending. Loan balances are smaller, but gain on sale and revenue are both typically higher, and our cost to produce is significantly lower. We are now seeing the results of this pivot. The second quarter results demonstrate that this strategic shift is beginning to translate into measurable growth, stronger margins and improved operating leverage.

“During the year, we continued to expand our core mortgage franchise by adding builder partners in our joint venture channel and branch locations in our retail channel. That growth contributed to an increase in purchase market share during the quarter and reinforces the durability of our diversified origination platform.

“Our ability to pivot toward home equity while continuing to grow purchase market share reflects the agility of our team and the adaptability of loanDepot’s differentiated model. We believe our nationally recognized brand, valuable servicing portfolio, diversified origination channels, proven ability to develop loan officers organically, industry-leading recapture capabilities, and technology-enabled customer acquisition platform allow us to redirect capacity toward the products that offer the greatest customer and shareholder value in a given rate environment. Few originators have the resources, customer relationships or operating expertise to make that transition at scale. As refinance and purchase opportunities expand, we expect to deploy the same platform and execution discipline to capture them quickly. This is what it means to be built to compete across market cycles.”

Chief Financial Officer David Hayes said, "The second quarter represented another meaningful step forward in our financial performance and showed that we can increase funded volume while maintaining disciplined expense management and a clear focus on profitability. The benefits of our product mix shift were evident in higher revenue, stronger pull-through weighted gain on sale margin and an improved bottom line. Maintaining strong liquidity remains a top priority, and we took advantage of favorable market conditions to monetize approximately $10 billion of servicing rights after quarter end. We also continue to evaluate opportunities to optimize our capital structure. Addressing the Company’s bond maturities remains a high priority for management, and we are evaluating a range of options with the support of retained advisors."

Second Quarter Highlights:

Financial Summary

Three Months Ended Six Months Ended

($ in thousands except per share data)

(Unaudited) Jun 30,

2026 Mar 31,

2026 Jun 30,

2025 Jun 30,

2026 Jun 30,

2025

Rate lock volume $ 8,994,216 $ 11,445,494 $ 8,560,699 $ 20,439,710 $ 16,198,686

Pull-through weighted lock volume(1)

6,632,371 8,274,191 6,348,060 14,906,562 11,766,745

Loan origination volume 7,993,712 7,658,619 6,734,529 15,652,331 11,908,457

Gain on sale margin(2)

2.86 % 2.93 % 3.11 % 2.90 % 3.38 %

Pull-through weighted gain on sale margin(3)

3.45 % 2.71 % 3.30 % 3.04 % 3.42 %

Financial Results

Total revenue $ 337,321 $ 286,387 $ 282,537 $ 623,708 $ 556,158

Total expense 343,938 341,500 314,871 685,438 634,596

Net loss

(6,622) (54,942) (25,273) (61,564) (65,969)

Diluted loss per share

$ (0.02) $ (0.16) $ (0.06) $ (0.18) $ (0.17)

Non-GAAP Financial Measures(4)

Adjusted total revenue $ 307,551 $ 299,250 $ 291,912 $ 606,801 $ 570,356

Adjusted net loss

(29,226) (33,624) (16,013) (62,839) (41,368)

Adjusted EBITDA

20,478 14,305 25,631 34,783 43,928

(1)Pull-through weighted rate lock volume is the principal balance of loans subject to interest rate lock commitments, net of a pull-through factor for the loan funding probability.

(2)Gain on sale margin represents the total of (i) gain on origination and sale of loans, net, and (ii) origination income, net, divided by loan origination volume during period.

(3)Pull-through weighted gain on sale margin represents the total of (i) gain on origination and sale of loans, net, and (ii) origination income, net, divided by the pull-through weighted rate lock volume.

(4)See “Non-GAAP Financial Measures” for a discussion of Non-GAAP Financial Measures and a reconciliation of these metrics to their closest GAAP measure.

Operational Highlights

•Non-volume2 related expenses decreased $6.4 million from the first quarter of 2026, primarily reflecting lower salary-related costs, servicing expense, and other interest expense.

•Pull-through weighted lock volume was $6.6 billion for the second quarter of 2026, a decrease of $1.6 billion or 20% from the first quarter, primarily reflecting the Company’s strategic mix shift toward higher-margin HELOC production, which does not carry an associated interest rate lock.

•Loan origination volume for the second quarter of 2026 was $8.0 billion, an increase of $335.1 million or 4% from the first quarter of 2026.

•Purchase volume totaled 57% of total loans originated during the second quarter, up from 41% during the first quarter of 2026.

2 Volume related expenses include commissions, marketing and advertising expense, and direct origination expense. All remaining expenses are considered non-volume related.

•Our preliminary organic refinance consumer direct recapture rate3 decreased to 68% for the second quarter from the first quarter 2026’s recapture rate of 73%.

Outlook for the third quarter of 2026

•Origination volume of between $6.25 billion and $8.25 billion.

•Pull-through weighted rate lock volume of between $5.25 billion and $7.25 billion.

•Pull-through weighted gain on sale margin of between 360 basis points and 390 basis points.

Servicing

Three Months Ended Six Months Ended

Servicing Revenue Data:

($ in thousands)

(Unaudited)

Jun 30,

2026 Mar 31,

2026 Jun 30,

2025 Jun 30,

2026 Jun 30,

2025

Due to collection/realization of cash flows $ (49,538) $ (51,442) $ (42,832) $ (100,980) $ (79,008)

Due to changes in valuation inputs or assumptions 36,677 448 145 37,125 (23,543)

Realized (losses) gains on sale of servicing rights (588) (888) 44 (1,477) 106

Net (loss) gain from derivatives hedging servicing rights

(6,319) (12,423) (9,564) (18,741) 9,239

Changes in fair value of servicing rights, net of hedging gains and losses

29,770 (12,863) (9,375) 16,907 (14,198)

Other realized gains (losses) on sales of servicing rights (1)

210 (54) (169) 156 (273)

Changes in fair value of servicing rights, net $ (19,558) $ (64,359) $ (52,376) $ (83,917) $ (93,479)

Servicing fee income $ 111,964 $ 108,749 $ 108,209 $ 220,713 $ 212,487

(1)Includes the provision for sold MSRs and broker fees.

3 We define organic refinance consumer direct recapture rate as the total unpaid principal balance (“UPB”) of loans in our servicing portfolio that are paid in full for purposes of refinancing the loan on the same property, with the Company acting as lender on both the existing and new loan, divided by the UPB of all loans in our servicing portfolio that paid in full for the purpose of refinancing the loan on the same property. The recapture rate is finalized following the publication date of this release when external data becomes available. Data is as of July 20, 2026.

Three Months Ended Six Months Ended

Servicing Rights, at Fair Value:

($ in thousands)

(Unaudited)

Jun 30,

2026 Mar 31,

2026 Jun 30,

2025 Jun 30,

2026 Jun 30,

2025

Balance at beginning of period $ 1,669,648 $ 1,637,706 $ 1,603,031 $ 1,637,706 $ 1,615,510

Additions 98,335 87,150 66,940 185,485 119,626

Sales proceeds (2,991) (3,326) (10,474) (6,316) (15,837)

Changes in fair value:

Due to changes in valuation inputs or assumptions 36,677 448 145 37,125 (23,543)

Due to collection/realization of cash flows (49,538) (51,442) (42,832) (100,980) (79,008)

Realized (losses) gains on sales of servicing rights (588) (888) 44 (1,477) 106

Total changes in fair value (13,449) (51,882) (42,643) (65,332) (102,445)

Balance at end of period (1)

$ 1,751,543 $ 1,669,648 $ 1,616,854 $ 1,751,543 $ 1,616,854

(1)Balances are net of $28.3 million, $21.6 million, and $19.1 million of servicing rights liability as of June 30, 2026, March 31, 2026, and June 30, 2025, respectively.

% Change

Servicing Portfolio Data:

($ in thousands)

(Unaudited)

Jun 30,

2026 Mar 31,

2026 Jun 30,

2025 Jun-26

Mar-26 Jun-26

Jun-25

Servicing portfolio (unpaid principal balance) $ 123,387,503 $ 120,674,154 $ 117,539,884 2.2 % 5.0 %

Total servicing portfolio (units) 465,089 455,634 432,764 2.1 7.5

60+ days delinquent ($) $ 2,142,638 $ 2,113,465 $ 1,641,165 1.4 30.6

60+ days delinquent (%) 1.7 % 1.8 % 1.4 %

Servicing rights, net to UPB 1.4 % 1.4 % 1.4 %

Balance Sheet Highlights

% Change

($ in thousands)

(Unaudited)

Jun 30,

2026 Mar 31,

2026 Jun 30,

2025 Jun-26

Mar-26 Jun-26

Jun-25

Cash and cash equivalents $ 229,128 $ 277,418 $ 408,623 (17.4) % (43.9) %

Loans held for sale, at fair value 2,643,032 3,266,759 2,622,959 (19.1) 0.8

Loans held for investment, at fair value 106,268 108,227 111,591 (1.8) (4.8)

Servicing rights, at fair value 1,779,817 1,691,235 1,635,991 5.2 8.8

Total assets 6,696,560 7,246,519 6,208,726 (7.6) 7.9

Warehouse and other lines of credit 2,443,802 3,024,131 2,411,416 (19.2) 1.3

Total liabilities 6,363,514 6,909,223 5,769,676 (7.9) 10.3

Total equity 333,046 337,296 439,050 (1.3) (24.1)

A decrease in loans held for sale at June 30, 2026, resulted in a corresponding decrease in the balance on our warehouse lines of credit. Total funding capacity with our lending partners was $4.4 billion at June 30, 2026 and March 31, 2026. Available borrowing capacity was $1.9 billion at June 30, 2026.

Consolidated Statements of Operations

($ in thousands except per share data)

(Unaudited) Three Months Ended Six Months Ended

Jun 30,

2026 Mar 31,

2026 Jun 30,

2025 Jun 30,

2026 Jun 30,

2025

REVENUES:

Interest income $ 39,692 $ 39,383 $ 40,946 $ 79,075 $ 76,017

Interest expense (37,433) (36,679) (39,297) (74,112) (71,059)

Net interest income

2,259 2,704 1,649 4,963 4,958

Gain on origination and sale of loans, net 176,740 192,006 174,810 368,746 341,186

Origination income, net 52,224 32,622 34,931 84,846 60,789

Servicing fee income 111,964 108,749 108,209 220,713 212,487

Change in fair value of servicing rights, net (19,558) (64,359) (52,376) (83,917) (93,479)

Other income 13,692 14,665 15,314 28,357 30,217

Total net revenues 337,321 286,387 282,537 623,708 556,158

EXPENSES:

Personnel expense 180,729 175,367 154,116 356,096 304,277

Marketing and advertising expense 26,694 29,006 37,878 55,700 76,128

Direct origination expense 27,840 25,088 20,456 52,928 42,411

General and administrative expense 47,528 46,881 39,727 94,409 83,860

Occupancy expense 4,595 4,275 4,133 8,870 8,429

Depreciation and amortization 5,869 6,335 6,379 12,204 14,045

Servicing expense 8,820 11,478 8,184 20,298 18,183

Other interest expense 41,863 43,070 43,998 84,933 87,263

Total expenses 343,938 341,500 314,871 685,438 634,596

Loss before income taxes

(6,617) (55,113) (32,334) (61,730) (78,438)

Income tax expense (benefit)

5 (171) (7,061) (166) (12,469)

Net loss

(6,622) (54,942) (25,273) (61,564) (65,969)

Net loss attributable to noncontrolling interests

(2,089) (17,455) (11,885) (19,544) (30,686)

Net loss attributable to loanDepot, Inc.

$ (4,533) $ (37,487) $ (13,388) $ (42,020) $ (35,283)

Basic loss per share

$ (0.02) $ (0.16) $ (0.06) $ (0.18) $ (0.17)

Diluted loss per share

$ (0.02) $ (0.16) $ (0.06) $ (0.18) $ (0.17)

Weighted average shares outstanding

Basic 231,643,671 228,962,329 207,948,195 230,290,154 204,370,382

Diluted 231,643,671 228,962,329 207,948,195 230,290,154 204,370,382

Consolidated Balance Sheets

($ in thousands) Jun 30,

2026 Mar 31,

2026 Dec 31,

2025

(Unaudited)

ASSETS

Cash and cash equivalents $ 229,128 $ 277,418 $ 337,232

Restricted cash 70,717 79,770 63,790

Loans held for sale, at fair value 2,643,032 3,266,759 3,165,542

Loans held for investment, at fair value 106,268 108,227 109,821

Derivative assets, at fair value 59,225 70,076 42,365

Servicing rights, at fair value 1,779,817 1,691,235 1,658,223

Trading securities, at fair value 82,008 83,722 85,640

Property and equipment, net 65,485 63,514 61,929

Operating lease right-of-use asset 25,951 24,592 23,877

Loans eligible for repurchase 1,401,739 1,344,573 1,074,386

Investments in joint ventures 18,177 18,101 18,251

Other assets 215,013 218,532 216,880

Total assets $ 6,696,560 $ 7,246,519 $ 6,857,936

LIABILITIES AND EQUITY

LIABILITIES:

Warehouse and other lines of credit $ 2,443,802 $ 3,024,131 $ 2,902,539

Accounts payable and accrued expenses 346,638 374,374 349,350

Derivative liabilities, at fair value 6,341 17,253 10,718

Liability for loans eligible for repurchase 1,401,739 1,344,573 1,074,386

Operating lease liability 34,790 34,325 34,630

Debt obligations, net 2,130,204 2,114,567 2,100,303

Total liabilities 6,363,514 6,909,223 6,471,926

EQUITY:

Total equity 333,046 337,296 386,010

Total liabilities and equity $ 6,696,560 $ 7,246,519 $ 6,857,936

Loan Origination and Sales Data

($ in thousands)

(Unaudited) Three Months Ended Six Months Ended

Jun 30,

2026 Mar 31,

2026 Jun 30,

2025 Jun 30,

2026 Jun 30,

2025

Loan origination volume by type:

Conventional conforming $3,263,295 $3,933,312 $2,967,898 $7,196,607 $5,086,764

FHA/VA/USDA 2,819,401 2,486,444 2,616,977 5,305,845 4,738,185

Jumbo 794,773 668,245 422,732 1,463,018 742,122

Other 1,116,243 570,618 726,922 1,686,861 1,341,386

Total $7,993,712 $7,658,619 $6,734,529 $15,652,331 $11,908,457

Loan origination volume by purpose:

Purchase $4,560,891 $3,159,251 $4,263,771 $7,720,142 $7,327,685

Refinance - cash out 2,650,296 2,628,228 1,978,142 5,278,524 3,825,318

Refinance - rate/term 782,525 1,871,140 492,616 2,653,665 755,454

Total $7,993,712 $7,658,619 $6,734,529 $15,652,331 $11,908,457

Loans sold:

Servicing retained $6,713,623 $5,749,016 $4,296,646 $12,462,639 $7,750,356

Servicing released 2,001,477 1,924,638 2,645,958 3,926,115 4,359,921

Total $8,715,100 $7,673,654 $6,942,604 $16,388,754 $12,110,277

Second Quarter Earnings Call

Management will host a conference call and live webcast today at 5:00 p.m. ET to discuss the Company’s financial and operational highlights followed by a question-and-answer session.

Register online at https://events.q4inc.com/attendee/948119963. A live audio webcast of the conference call will also be available via the Company's website, investors.loandepot.com, under the Events & Presentation tab. A replay of the webcast will be made available following the conclusion of the event.

For more information about loanDepot, please visit the Company’s Investor Relations website: investors.loandepot.com.

Non-GAAP Financial Measures

To provide investors with information in addition to our results as determined by GAAP, we disclose certain non-GAAP measures to assist investors in evaluating our financial results. We believe these non-GAAP measures provide useful information to investors regarding our results of operations because each measure assists both investors and management in analyzing and benchmarking the performance and value of our business. They facilitate company-to-company operating performance comparisons by backing out potential differences caused by variations in hedging strategies, changes in valuations, capital structures (affecting interest expense on non-funding debt), taxation, the age and book depreciation of facilities (affecting relative depreciation expense), and other cost or benefit items which may vary for different companies for reasons unrelated to operating performance. These non-GAAP measures include our Adjusted Total Revenue, Adjusted Net Loss, Adjusted Diluted Weighted Average Shares Outstanding, and Adjusted EBITDA. We exclude from these non-GAAP financial measures the change in fair value of MSRs, gains (losses) from the sale of MSRs, and related hedging gains and losses that represent realized and unrealized adjustments resulting from changes in valuation, mostly due to changes in market interest rates, and are not indicative of the Company’s operating performance or results of operation. We have excluded expenses directly related to the cybersecurity incident in January 2024 that resulted from unauthorized access to our systems (the “Cybersecurity Incident”), net of insurance recoveries during fiscal 2024, such as costs to investigate and remediate the Cybersecurity Incident, the costs of customer notifications and identity protection, and professional fees, including legal expenses, settlement costs, and commission guarantees. We also exclude stock-based compensation expense, which is a non-cash expense, gains or losses on extinguishment of debt and disposal of fixed assets, and impairment charges to operating lease right-of-use assets, as well as certain costs associated with our restructuring efforts, as management does not consider these costs to be indicative of our performance or results of operations. Adjusted EBITDA includes interest expense on funding facilities, which are recorded as a component of “net interest income,” as these expenses are a direct operating expense driven by loan origination volume. By contrast, interest expense on our non-funding debt is a function of our capital structure and is therefore excluded from Adjusted EBITDA. Adjustments for income taxes are made to reflect historical results of operations on the basis that it was taxed as a corporation under the Internal Revenue Code, and therefore subject to U.S. federal, state, and local income taxes. Adjustments to Diluted Weighted Average Shares Outstanding assumes the pro forma conversion of weighted average Class B and Class C common stock to Class A common stock. These non-GAAP measures have limitations as analytical tools and should not be considered in isolation or as a substitute for revenue, net income, or any other operating performance measure calculated in accordance with GAAP, and may not be comparable to a similarly titled measure reported by other companies. Some of these limitations are:

•They do not reflect every cash expenditure, future requirements for capital expenditures or contractual commitments;

•Adjusted EBITDA does not reflect the significant interest expense or the cash requirements necessary to service interest or principal payment on our debt;

•Although depreciation and amortization are non-cash charges, the assets being depreciated and amortized will often have to be replaced or require improvements in the future, and Adjusted Total Revenue, Adjusted Net Loss, and Adjusted EBITDA do not reflect any cash requirement for such replacements or improvements; and

•They are not adjusted for all non-cash income or expense items that are reflected in our statements of cash flows.

Because of these limitations, Adjusted Total Revenue, Adjusted Net Loss, Adjusted Diluted Weighted Average Shares Outstanding, and Adjusted EBITDA are not intended as alternatives to total revenue, net loss, net loss attributable to the Company, or as an indicator of our operating performance and should not be considered as measures of discretionary cash available to us to invest in the growth of our business or as measures of cash that will be available to us to meet our obligations. We compensate for these limitations by using Adjusted Total Revenue, Adjusted Net Loss, Adjusted Diluted Weighted Average Shares Outstanding, and Adjusted EBITDA along

with other comparative tools, together with U.S. GAAP measurements, to assist in the evaluation of operating performance. See below for a reconciliation of these non-GAAP measures to their most comparable U.S. GAAP measures.

Reconciliation of Total Revenue to Adjusted Total Revenue

($ in thousands)

(Unaudited)

Three Months Ended Six Months Ended

Jun 30,

2026 Mar 31,

2026 Jun 30,

2025 Jun 30,

2026 Jun 30,

2025

Total net revenue $ 337,321 $ 286,387 $ 282,537 $ 623,708 $ 556,158

Valuation changes in servicing rights, net of hedging gains and losses(1)

(29,770) 12,863 9,375 (16,907) 14,198

Adjusted total revenue $ 307,551 $ 299,250 $ 291,912 $ 606,801 $ 570,356

(1)Represents the change in the fair value of servicing rights due to changes in valuation inputs or assumptions, net of gains or losses from derivatives hedging servicing rights, and gains (losses) from the sale of MSRs.

Reconciliation of Net Loss to Adjusted Net Loss

($ in thousands)

(Unaudited)

Three Months Ended Six Months Ended

Jun 30,

2026 Mar 31,

2026 Jun 30,

2025 Jun 30,

2026 Jun 30,

2025

Net loss attributable to loanDepot, Inc.

$ (4,533) $ (37,487) $ (13,388) $ (42,020) $ (35,283)

Net loss from the pro forma conversion of Class B or Class C common stock to Class A common stock (1)

(2,089) (17,455) (11,885) (19,544) (30,686)

Net loss

(6,622) (54,942) (25,273) (61,564) (65,969)

Adjustments to the benefit for income taxes(2)

5 54 2,937 53 7,791

Tax-effected net loss

(6,617) (54,888) (22,336) (61,511) (58,178)

Valuation changes in servicing rights, net of hedging gains and losses(3)

(29,770) 12,863 9,375 (16,907) 14,198

Stock-based compensation expense 5,281 6,393 (2,256) 11,674 3,460

Restructuring charges(4)

1,198 708 157 1,906 2,278

Cybersecurity incident(5)

1,058 121 301 1,179 1,089

Gain on extinguishment of debt (1,170) — — (1,170) —

Loss (gain) on disposal of fixed assets 1,596 (72) 11 1,524 28

Other impairment(6)

— — — — 5

Tax effect of adjustments(7)

(802) 1,251 (1,265) 466 (4,248)

Adjusted net loss

$ (29,226) $ (33,624) $ (16,013) $ (62,839) $ (41,368)

(1)Reflects net loss to Class A common stock and Class D common stock from the pro forma exchange of Class B common stock and Class C common stock.

(2)loanDepot, Inc. is subject to federal, state and local income taxes. Adjustments to the benefit for income taxes reflect the income tax rates below, and the pro forma assumption that loanDepot, Inc. owns 100% of LD Holdings.

Three Months Ended Six Months Ended

Jun 30,

2026 Mar 31,

2026 Jun 30,

2025 Jun 30,

2026 Jun 30,

2025

Statutory U.S. federal income tax rate 21.00 % 21.00 % 21.00 % 21.00 % 21.00 %

State and local income taxes (net of federal benefit) 4.52 4.82 3.71 4.67 % 4.39 %

Effect of valuation allowance and other tax adjustments

(25.29) % (25.51) % — % (25.40) % — %

Effective income tax rate 0.23 % 0.31 % 24.71 % 0.27 % 25.39 %

(3)Represents the change in the fair value of servicing rights due to changes in valuation inputs or assumptions, net of gains or losses from derivatives hedging servicing rights, and gains (losses) from the sale of MSRs.

(4)Reflects employee severance expense and professional services associated with restructuring efforts.

(5)Represents expenses directly related to the Cybersecurity Incident, net of insurance recoveries during fiscal 2024, including costs to investigate and remediate the Cybersecurity Incident, the costs of customer notifications and identity protection, professional fees including legal expenses, settlement costs, and commission guarantees.

(6)Represents lease impairment on corporate and retail locations.

(7)Amounts represent the income tax effect using the aforementioned effective income tax rates, excluding certain discrete tax items.

Reconciliation of Diluted Weighted Average Shares Outstanding to Adjusted Diluted Weighted Average Shares Outstanding

(Unaudited)

Three Months Ended Six Months Ended

Jun 30,

2026 Mar 31,

2026 Jun 30,

2025 Jun 30,

2026 Jun 30,

2025

Share Data:

Diluted weighted average shares of Class A common stock and Class D common stock outstanding

231,643,671 228,962,329 207,948,195 230,290,154 204,370,382

Assumed pro forma conversion of weighted average Class B common stock and Class C common stock to Class A common stock (1)

106,139,515 106,207,433 121,881,530 106,173,474 124,561,094

Adjusted diluted weighted average shares outstanding 337,783,186 335,169,762 329,829,725 336,463,628 328,931,476

(1)Reflects the assumed pro forma exchange and conversion of Class B and Class C common stock.

Reconciliation of Net Loss to Adjusted EBITDA

($ in thousands)

(Unaudited)

Three Months Ended Six Months Ended

Jun 30,

2026 Mar 31,

2026 Jun 30,

2025 Jun 30,

2026 Jun 30,

2025

Net loss

$ (6,622) $ (54,942) $ (25,273) $ (61,564) $ (65,969)

Interest expense - non-funding debt (1)

41,863 43,070 43,998 84,933 87,263

Income tax expense (benefit)

5 (171) (7,061) (166) (12,469)

Depreciation and amortization 5,869 6,335 6,379 12,204 14,045

Valuation changes in servicing rights, net of hedging gains and losses(2)

(29,770) 12,863 9,375 (16,907) 14,198

Stock-based compensation expense 5,281 6,393 (2,256) 11,674 3,460

Restructuring charges(3)

1,198 708 157 1,906 2,278

Cybersecurity incident(4)

1,058 121 301 1,179 1,089

Loss (gain) on disposal of fixed assets 1,596 (72) 11 1,524 28

Other impairment (5)

— — — — 5

Adjusted EBITDA

$ 20,478 $ 14,305 $ 25,631 $ 34,783 $ 43,928

(1)Represents other interest expense, which includes gain or loss on extinguishment of debt and amortization of debt issuance costs and debt discount, in the Company’s consolidated statements of operations.

(2)Represents the change in the fair value of servicing rights due to changes in valuation inputs or assumptions, net of gains or losses from derivatives hedging servicing rights, and gains (losses) from the sale of MSRs.

(3)Reflects employee severance expense and professional services associated with restructuring efforts.

(4)Represents expenses directly related to the Cybersecurity Incident, net of insurance recoveries during fiscal 2024, including costs to investigate and remediate the Cybersecurity Incident, the costs of customer notifications and identity protection, professional fees including legal expenses, settlement costs, and commission guarantees.

(5)Represents lease impairment on corporate and retail locations.

Forward-Looking Statements

This press release and related management commentary contain, and responses to investor questions may contain, forward-looking statements that can be identified by the fact that they do not relate strictly to historical or current facts and may contain the words “believe,” “aim,” “anticipate,” “expect,” “goal,” “intend,” “plan,” “predict,” “estimate,” “project,” “will be,” “will continue,” “will likely result,” or other similar words and phrases or future or conditional verbs such as “will,” “may,” “might,” “should,” “would,” or “could” and the negatives of those terms. Examples of forward-looking statements include, but are not limited to, our strategic expansion into home equity lending and the expected benefits of that strategy; attractiveness and growth of our home equity products, competitive advantages and market differentiators; automation, technology and innovation initiatives and investments, including artificial intelligence and the benefits of our technology-enabled, multi-channel platform; strategic opportunities, strengths, plans, focuses, and progress; our momentum; our readiness to take advantage of improved market opportunities; market share; hedging strategy benefits; return to profitability; expenses and expense management; liquidity and financing strategies; settlement of a mortgage servicing rights transaction; productivity initiatives; loan officer growth and development; operating leverage; loan origination volumes; pull-through weighted lock volume; pull-through weighted gain on sale margin; and evaluation of capital structures and bond maturities.

These forward-looking statements are based on current available operating, financial, economic and other information, and are not guarantees of future performance and are subject to risks, uncertainties and assumptions that are difficult to predict, including but not limited to, the following: our ability to achieve the expected benefits of our strategic plans and priorities and the success of other business initiatives, including our partnership with Figure Technology Solutions; our ability to achieve profitability; our loan production volume; our ability to maintain an operating platform and management system sufficient to conduct our business; our ability to maintain warehouse lines of credit and other sources of capital and liquidity; our ability to effectively utilize artificial intelligence and emerging technologies; impacts of cybersecurity incidents, cyberattacks, information or security breaches and technology disruptions or failures, of ours or of our third party vendors; the outcome of legal proceedings to which we are a party; our ability to favorably resolve regulatory matters related to the Cybersecurity Incident; adverse changes in macroeconomic and U.S residential real estate and mortgage market conditions, including changes in interest rates, changes in global trade policy and tariffs, geopolitical tensions and conflicts and impacts from government shutdowns; changing federal, state and local laws, as well as changing regulatory enforcement policies and priorities; our ability to address our senior notes; and other risks detailed in the "Risk Factors" section of loanDepot, Inc.'s Annual Report on Form 10-K for the year ended December 31, 2025, as well as any subsequent filings with the Securities and Exchange Commission. Therefore, current plans, anticipated actions, and financial results, as well as the anticipated development of the industry, may differ materially from what is expressed or forecasted in any forward-looking statement. loanDepot does not undertake any obligation to publicly update or revise any forward-looking statement to reflect future events or circumstances, except as required by applicable law.

About loanDepot

Since its launch in 2010, loanDepot (NYSE: LDI) has revolutionized the mortgage industry with digital innovations that make transacting easier, faster, and less stressful for customers and originators alike. The Company, which is licensed in all 50 states, helps its customers achieve the American dream of homeownership through a broad suite of lending and real estate services that simplify one of life's most complex transactions. loanDepot is also committed to serving the communities in which its team lives and works through a variety of local and national philanthropic efforts.

Investor Relations Contact:

Gerhard Erdelji

Senior Vice President, Investor Relations

(949) 822-4074

gerdelji@loandepot.com

Media Contact:

Rebecca Anderson

Senior Vice President, Communications & Public Relations

(949) 822-4024

rebeccaanderson@loandepot.com

LDI-IR

EX-99.2

Filename: a2q26investorpresentatio.htm · Sequence: 3

a2q26investorpresentatio

2Q 2026 INVESTOR PRESENTATION August 4, 2026

We make the American Dream of home possible. Partnering with homeowners throughout the lifecycle of the homeownership journey. Serving the Buyer First Time Homebuyer Veteran / Active Duty Move Up / Downsize Relocation Supporting the Purchase Servicing the Mortgage Optimizing the Journey Title Services Escrow/ Closing Homeowners Insurance Building Trust Continuing Customer Relationship Facilitate Additional Lending Opportunities HELOC Closed-End Second Refinance 2 Solutions for Aging in Place

3 • Innovation • Technology / AI • Top-tier customer service • Data • Diversified channel strategy • Direct to consumer • In-market retail • Joint venture • Wholesale • Comprehensive product suite • Purchase • Refinance • Home equity • Reverse ORIGINATION SERVICING • Top of funnel • Brand – loanDepot Park • Scale • Marketing • Lead conversion LOANDEPOT’S FLYWHEEL (1) At or for the quarter ended June 30, 2026 • 465K clients(1) • Strong recapture rate at 68%(1) • $0 customer acquisition cost • Recurring revenue stream Controlling the customer experience from application to closing to servicing, and back again

A Nationwide Lender SCALED TO CAPTURE HUGE MARKET OPPORTUNITY Providing a Complete Homeowner Ecosystem 4 Title Insurance Escrow Services Homeowners Insurance First Mortgage Home Equity Solutions A Significant Market Opportunity Residential Real Estate $47T(1) Mortgage Debt Outstanding $15T(2) Mortgage Originations 2026 $2.2T(3) Highly Fragmented Market No Lender Above 10% Market Share(4) Sources: (1) Federal Reserve – Owner-Occupied Real Estate at Market Value (2) Federal Reserve – Mortgage Debt Outstanding; 1-4 family residences (3) Mortgage Bankers Association 7/22/2026 (4) Inside Mortgage Finance 12M2025

EXPERIENCED MANAGEMENT TEAM WITH UNIQUE SKILLSETS Jeff DerGurahian Chief Investment Officer and Head Economist 5 Joe Grassi Chief Legal and Risk Officer Melanie Graper Chief Human Resources Officer David Hayes Chief Financial Officer Dominick Marchetti Chief Digital Officer Adam Saab Executive Vice President, Servicing Nikul Patel Chief Growth Officer Anthony Hsieh Founder and Chief Executive Officer Mortgage - Loansdirect.com

6 SECOND QUARTER HIGHLIGHTS Financial Operational • Originations: $8.0 billion in funded volume, unit volume increased 25% from first quarter 2026 • Total Revenue: increased 18% to $337.3 million on $6.6 billion of pull-through weighted lock volume; Adjusted revenue(1) of $307.6 million • Total Expenses: increased from $341.5 million in the first quarter of 2026 to $343.9 million • Primarily reflecting higher commission and direct origination expenses in line with higher origination volume • Net loss of $6.6 million vs. $54.9 million in first quarter 2026 • Adjusted net loss(1) of $29.2 million and adjusted EBITDA(1) of $20.5 million compared to adjusted net loss(1) of $33.6 million and adjusted EBITDA(1) of $14.3 million in the prior quarter • Repurchased $16.0 million of senior notes at an average purchase price of 90% of par, and repurchased an additional $26.5 million at an average purchase price of 86% of par post quarter end through July 30, 2026 • Operating leverage improved since the second quarter of 2025(2) • Return on marketing increased by 30% • Marketing lead to funded loan conversion increased by 50% • Marketing cost per funding increased by 34% • Cost per funded loan decreased by 12% • Funded loan units per loan officer increased by 18% • Purchase market share increased to 1.27% from 0.95% from the first quarter of 2026 • Strong market conditions allowed us to monetize approximately $12 billion of our servicing rights post quarter-end • Retained financial advisors to evaluate opportunities to optimize capital structure and address bond maturities (1) Non-GAAP measure. See Appendix for reconciliation. ) (2) Internal management metrics: Return on marketing is lead expense to Direct channel revenue; Marketing lead to funded loan conversion is lead assigned to lead funded (Direct channel); Marketing cost per funding is marketing costs to Direct channel origination volume; Cost per funded loan is mortgage-relatedexpenses to origination volume; Funded loan units per loan officer is as described.

HISTORICAL ORIGINATION PERFORMANCE TREND Note: Pull through weighted rate lock volume is the unpaid principal balance of loans subject to interest rate lock commitments, net of a pull-through factor for the loan funding probability 7 Purchase Mix % : 49% 41%66% 58% 59% 63% 60% 57%72%

HISTORICAL COST STRUCTURE COMPARISON 8 Salaries Other Interest Marketing Commissions Other G&A FTEs Direct Origination Expense (1) Excluding Cybersecurity Incident-related (2) Represents expenses directly related to the Cybersecurity Incident, net of actual and expected insurance recoveries, including costs to investigate and remediate the Cybersecurity Incident, the costs of customer notifications and identity protection, professional fees including legal expenses, litigation settlement costs, and commission guarantees.

HISTORICAL SERVICING PORTFOLIO TREND 9 ($ in billions) Retention %(2) : Recapture %(1) : (1) We define organic refinance consumer direct recapture rate as the total unpaid principal balance (“UPB”) of loans in our servicing portfolio that are paid in full for purposes of refinancing the loan on the same property, with the Company acting as lender on both the existing and new loan, divided by the UPB of all loans in our servicing portfolio that paid in full for the purpose of refinancing the loan on the same property. The recapture rate is finalized following the publication date of this release when external data becomes available. Data is as of July 20, 2026. (2) Portion of loan origination volume that was sold servicing retained in the period divided by total sold volume in the period. (3) At time of origination, stratifications for agency (FHLMC, FNMA, GNMA) portfolio only. Excludes HELOC Total Serv Exp$ to Avg. UPB $, bps: 70% 65% 2.8 75% 71% 2.8 77% 73% 2.7 62% 68% 2.3 63% 70% 2.4

LIQUIDITY AND BALANCE SHEET 10 Unrestricted Cash ($M)

Down from previous quarter, primarily driven benefit from debt repurchases at a discountTotal Expenses 11 Q3 2026 OUTLOOK* Metric Low High Pull-through Weighted Rate Lock Volume ($bn) $5.25 $7.25 Origination Volume ($bn) $6.25 $8.25 Pull-through Weighted GOS Margin, bps 360 390 Current Market Conditions • Limited supply of new and resale homes continues to adversely impact homebuying activity • Homeowner equity levels drive demand for cash-out refinance and home equity products • Higher interest rates reducing demand for both purchase and refinance mortgages • Ongoing market volatility and uncertainty affecting housing demand *Outlook reflects current interest rate environment, seasonality, channel mix, and competitive pressures

APPENDIX

BALANCE SHEET & SERVICING PORTFOLIO HIGHLIGHTS 13

NON-GAAP FINANCIAL RECONCILIATION 14 (1) Represents expenses directly related to the Cybersecurity Incident, net of actual and expected insurance recoveries, including costs to investigate and remediate the Cybersecurity Incident, the costs of customer notifications and identity protection, professional fees including legal expenses, settlement costs, and commission guarantees.

NON-GAAP FINANCIAL RECONCILIATION (CONT’D) 15 (1) Represents expenses directly related to the Cybersecurity Incident, net of actual and expected insurance recoveries, including costs to investigate and remediate the Cybersecurity Incident, the costs of customer notifications and identity protection, professional fees including legal expenses, settlement costs, and commission guarantees.

DISCLAIMER AND NON-GAAP FINANCIAL INFORMATION 16 Forward-Looking Statements and Other Information This presentation contains forward-looking statements that can be identified by the fact that they do not relate strictly to historical or current facts and may contain the words “believe,” “aim,” “anticipate,” “expect,” “goal,” “intend,” “plan,” “predict,” “estimate,” “project,” “will be,” “will continue,” “will likely result,” or other similar words and phrases or future or conditional verbs such as “will,” “may,” “might,” “should,” “would,” or “could” and the negatives of those terms. Examples of forward-looking statements include, but are not limited to, our strategic expansion into home equity lending and the expected benefits of that strategy; attractiveness and growth of our home equity products, competitive advantages and market differentiators; automation, technology and innovation initiatives and investments, including artificial intelligence and the benefits of our technology-enabled, multi-channel platform; strategic opportunities, strengths, plans, focuses, and progress; our momentum; our readiness to take advantage of improved market opportunities; market share; hedging strategy benefits; return to profitability; expenses and expense management; liquidity and financing strategies; settlement of a mortgage servicing rights transaction; productivity initiatives; loan officer growth and development; operating leverage; loan origination volumes; pull-through weighted lock volume; pull-through weighted gain on sale margin; and evaluation of capital structures and bond maturities. These forward-looking statements are based on current available operating, financial, economic and other information, and are not guarantees of future performance and are subject to risks, uncertainties and assumptions that are difficult to predict, including but not limited to, the following: our ability to achieve the expected benefits of our strategic plans and priorities and the success of other business initiatives, including our partnership with Figure Technology Solutions; our ability to achieve profitability; our loan production volume; our ability to maintain an operating platform and management system sufficient to conduct our business; our ability to maintain warehouse lines of credit and other sources of capital and liquidity; our ability to effectively utilize artificial intelligence and emerging technologies; impacts of cybersecurity incidents, cyberattacks, information or security breaches and technology disruptions or failures, of ours or of our third party vendors; the outcome of legal proceedings to which we are a party; our ability to favorably resolve regulatory matters related to the Cybersecurity Incident; adverse changes in macroeconomic and U.S residential real estate and mortgage market conditions, including changes in interest rates, changes in global trade policy and tariffs, geopolitical tensions and conflicts and impacts from government shutdowns; changing federal, state and local laws, as well as changing regulatory enforcement policies and priorities; our ability to address our senior notes; and other risks detailed in the "Risk Factors" section of loanDepot, Inc.'s Annual Report on Form 10-K for the year ended December 31, 2025, as well as any subsequent filings with the Securities and Exchange Commission. Therefore, current plans, anticipated actions, and financial results, as well as the anticipated development of the industry, may differ materially from what is expressed or forecasted in any forward-looking statement. loanDepot does not undertake any obligation to publicly update or revise any forward-looking statement to reflect future events or circumstances, except as required by applicable law. Non-GAAP Financial Information To provide investors with information in addition to our results as determined by GAAP, we disclose certain non-GAAP measures to assist investors in evaluating our financial results. We believe these non- GAAP measures provide useful information to investors regarding our results of operations because each measure assists both investors and management in analyzing and benchmarking the performance and value of our business. They facilitate company-to-company operating performance comparisons by backing out potential differences caused by variations in hedging strategies, changes in valuations, capital structures (affecting interest expense on non-funding debt), taxation, the age and book depreciation of facilities (affecting relative depreciation expense), and other cost or benefit items which may vary for different companies for reasons unrelated to operating performance. These non-GAAP measures include our Adjusted Total Revenue, Adjusted Net Loss, Adjusted Diluted Weighted Average Shares Outstanding, and Adjusted EBITDA. We exclude from these non-GAAP financial measures the change in fair value of MSRs, gains (losses) from the sale of MSRs, and related hedging gains and losses that represent realized and unrealized adjustments resulting from changes in valuation, mostly due to changes in market interest rates, and are not indicative of the Company’s operating performance or results of operation. We have excluded expenses directly related to the cybersecurity incident in January 2024 that resulted from unauthorized access to our systems (the “Cybersecurity Incident”), net of insurance recoveries during fiscal 2024, such as costs to investigate and remediate the Cybersecurity Incident, the costs of customer notifications and identity protection, and professional fees, including legal expenses, litigation settlement costs, and commission guarantees. We also exclude stock-based compensation expense, which is a non-cash expense, gains or losses on extinguishment of debt and disposal of fixed assets, and impairment charges to operating lease right-of-use assets, as well as certain costs associated with our restructuring efforts, as management does not consider these costs to be indicative of our performance or results of operations. Adjusted EBITDA includes interest expense on funding facilities, which are recorded as a component of “net interest income,” as these expenses are a direct operating expense driven by loan origination volume. By contrast, interest expense on our non-funding debt is a function of our capital structure and is therefore excluded from Adjusted EBITDA. Adjustments for income taxes are made to reflect historical results of operations on the basis that it was taxed as a corporation under the Internal Revenue Code, and therefore subject to U.S. federal, state, and local income taxes. Adjustments to Diluted Weighted Average Shares Outstanding assumes the pro forma conversion of weighted average Class B and Class C common stock to Class A common stock. These non-GAAP measures have limitations as analytical tools and should not be considered in isolation or as a substitute for revenue, net income, or any other operating performance measure calculated in accordance with GAAP, and may not be comparable to a similarly titled measure reported by other companies. Market and Industry Data This presentation also contains information regarding the loanDepot’s market and industry that is derived from third-party research and publications. That information may rely upon a number of assumptions and limitations, and the Company has not independently verified its accuracy or completeness.

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- Definition

Name of the state or province.

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No definition available.

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- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Indicate if registrant meets the emerging growth company criteria.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

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No definition available.

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- Definition

Two-character EDGAR code representing the state or country of incorporation.

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No definition available.

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- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Local phone number for entity.

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No definition available.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 13e

-Subsection 4c

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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- Definition

Title of a 12(b) registered security.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b

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- Definition

Name of the Exchange on which a security is registered.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 14a

-Subsection 12

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- Definition

Trading symbol of an instrument as listed on an exchange.

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No definition available.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Securities Act

-Number 230

-Section 425

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