[8-K] loanDepot, Inc. Reports Material Event

Rhea-AI Filing Summary

loanDepot, Inc. (LDI) furnished an update on recent communications around its quarterly results. The company announced it issued a press release covering financial results for the quarter ended September 30, 2025, furnished as Exhibit 99.1. It also made available a Q3 2025 investor presentation (Exhibit 99.2) to accompany its results discussion.

The investor presentation includes references to non-GAAP measures with reconciliations provided within the deck. A conference call and webcast to discuss results were scheduled for 5:00 p.m. Eastern time on November 6, 2025. The materials furnished under Items 2.02 and 7.01 are not deemed “filed” and are not incorporated by reference except as specifically identified.

FALSE000183163100018316312025-11-062025-11-06

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): November 6, 2025

_____________________

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 November 6, 2025, loanDepot, Inc. (the "Company") issued a press release announcing its results for the quarter ended September 30, 2025 (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 November 6, 2025, 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 September 30, 2025 at 5:00 p.m. Eastern time on November 6, 2025.

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 November 6, 2025
99.2			loanDepot, Inc. Q3 2025 Investor Presentation
104			Cover Page Interactive Data File (embedded within the Inline XBRL document)

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: November 6, 2025

FAQ

What did loanDepot (LDI) announce in this 8-K?

The company furnished its Q3 2025 earnings press release (Exhibit 99.1) and an investor presentation (Exhibit 99.2).

Which period do the results cover for LDI?

The results cover the quarter ended September 30, 2025.

Does the investor presentation include non-GAAP measures for LDI?

Yes. The presentation includes non-GAAP metrics with reconciliations provided within the deck.

When was LDI’s earnings call scheduled?

The conference call and webcast were scheduled for 5:00 p.m. Eastern time on November 6, 2025.

Are the exhibits considered filed with the SEC?

No. Information furnished under Items 2.02 and 7.01 is not deemed “filed” or incorporated by reference unless specifically identified.

Where can investors access LDI’s materials?

On the Investor Relations section of investors.loandepot.com; availability may be discontinued at any time.