Every 8-K that loanDepot, Inc. (LDI) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow LDI and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full LDI filings page.
loanDepot, Inc. (LDI) disclosed that it received a notice from the New York Stock Exchange on August 21, 2026 stating that the company is not in compliance with the NYSE continued listing standard in Section 802.01C, because the average closing price of its Class A common stock was below $1.00 per share over a consecutive 30 trading-day period. Trading in the shares continues and the notice has no immediate impact on NYSE listing status, business operations, or SEC reporting.
Under NYSE rules, loanDepot has six months from receipt of the notice to regain compliance, which it can do if the stock closes at or above $1.00 and has a 30-trading-day average of at least $1.00 on the last trading day of any calendar month in that period. If it does not regain compliance, the NYSE will begin suspension and delisting procedures. The company stated it intends to cure the deficiency and is considering alternatives, including a potential reverse stock split subject to stockholder approval by its next annual meeting anticipated for early June 2027. Management also highlighted recent operational progress, including last-quarter growth of 25% in unit volume, 18% in revenue, and 33% in purchase market share.
loanDepot, Inc. reported Q2 2026 results with total revenue of $337 million, up 18% quarter over quarter, and a net loss of about $7 million, a sharp improvement from a $55 million loss in Q1. Loan origination volume rose 4% to $7.99 billion, with unit volume up 25%.
A strategic mix shift toward higher-margin home equity and government loans helped lift pull-through weighted gain-on-sale margin by 74 basis points to 345 basis points, while purchase loans increased to 57% of originations from 41% in Q1. Total expenses increased less than 1% to $344 million, reflecting tight cost control.
Adjusted net loss improved to $29 million and Adjusted EBITDA increased to $20 million. Management highlighted strong servicing fee income, 60+ day delinquencies of 1.7%, senior note repurchases at a discount, monetization of a portion of servicing rights after quarter end, and ongoing evaluation of options to address bond maturities.
loanDepot, Inc. reported the results of its 2026 Annual Meeting of Stockholders held on June 4, 2026. Stockholders elected three Class II directors—Andrew Dodson, Steven Ozonian, and Pamela Patenaude—to three-year terms.
They also ratified Ernst & Young LLP as independent registered public accounting firm for the fiscal year ending December 31, 2026. In addition, stockholders approved, on a non-binding, advisory basis, the compensation of the company’s named executive officers.
loanDepot, Inc. entered into an at-the-market Sales Agreement with BTIG, LLC, allowing it to sell Class A common stock with an aggregate offering price of up to $100,000,000 from time to time. These shares will be issued under its existing shelf registration statement on Form S-3.
The company plans to use any net proceeds, after sales commissions and offering expenses, to reduce outstanding indebtedness and for general corporate purposes, giving it flexible access to additional capital as needed.
loanDepot, Inc. reported first quarter 2026 results with lower revenue and a wider loss in a challenging mortgage market. Revenue was $286.4 million, down 8% from the prior quarter, while net loss widened to $54.9 million from $32.8 million. Adjusted total revenue was $299.3 million and adjusted net loss was $33.6 million, with adjusted EBITDA of $14.3 million versus $29.3 million previously.
Loan origination volume was $7.66 billion, down 5% quarter over quarter, but pull‑through weighted lock volume rose 14% to $8.27 billion and market share reached 1.39%. Pull‑through weighted gain‑on‑sale margin fell 53 basis points to 2.71%, pressured by larger loan balances, product mix shifts and volatility. Cash and cash equivalents declined to $277.4 million from $337.2 million, largely due to investment in servicing rights, while servicing unpaid principal balance increased to $120.7 billion. For second quarter 2026, the company projects origination volume between $7.25 billion and $9.25 billion and pull‑through weighted gain‑on‑sale margin between 3.30% and 3.60%.
loanDepot, Inc. entered into a new warehouse securitization structure through its indirect subsidiaries on April 27, 2026. Mello Warehouse Securitization Trust 2026-1 issued $500 million of MWST Notes under an Indenture with U.S. Bank entities as trustee, note calculation agent, standby servicer and securities intermediary.
The MWST Notes are backed by a revolving warehouse line of credit secured by newly originated, first‑lien residential mortgage loans meeting Fannie Mae, Freddie Mac, Ginnie Mae or loanDepot jumbo guidelines, subject to eligibility criteria in a new Master Repurchase Agreement. loanDepot’s obligations under that agreement are guaranteed by LD Holdings Group, LLC.
The MWST Notes bear interest at 30‑day Term SOFR plus a margin and terminate on the earlier of April 24, 2029, optional prepayment in full, or an event of default with acceleration. In connection with this transaction, loanDepot prepaid in full and terminated its prior 2024‑1 Securitization Facility, under which $300 million of notes had been issued, with no borrowings outstanding and no termination penalties incurred.
loanDepot, Inc. reported 2025 results showing higher volumes and revenue but continued losses. Full-year revenue rose 12% to $1.19 billion, while net loss narrowed to $108 million from $202 million, helped by stronger production and a 46% increase in adjusted EBITDA to $122 million.
In the fourth quarter, loan origination volume climbed 23% to $8.04 billion and market share reached 1.4%, but revenue slipped 4% to $310 million and net loss widened to $33 million from $9 million as gain-on-sale margins eased and expenses grew 3%. Adjusted EBITDA fell to $29 million from $49 million.
Cash and equivalents declined to $337 million from $459 million, mainly due to investment in loan inventory and full repayment of 2025 unsecured notes. The servicing portfolio unpaid principal balance increased to $119.1 billion with a 71% preliminary organic refinance recapture rate. For Q1 2026, the company guides to origination volume of $6.75–$7.75 billion, pull-through weighted lock volume of $7.75–$8.75 billion and pull-through weighted gain-on-sale margin of 270–300 basis points.
loanDepot, Inc. reported that, under its Amended and Restated Certificate of Incorporation, each outstanding share of Class C Common Stock automatically converted into one share of Class B Common Stock and each outstanding share of Class D Common Stock automatically converted into one share of Class A Common Stock.
After this conversion, as of February 11, 2026, 228,569,593 shares of Class A Common Stock and 106,207,433 shares of Class B Common Stock were outstanding, and no Class C or Class D shares remained. Class A and Class B shares each carry one vote per share on all general stockholder matters.
loanDepot, Inc. disclosed that its subsidiary loanDepot FAMSR Master Trust issued Series 2025‑FT1 term notes with an aggregate principal amount of $200 million. These Notes are mainly secured by a participation certificate tied to the portfolio excess spread from Fannie Mae mortgage servicing rights owned by loanDepot.com, LLC.
The Notes bear a variable interest rate based on SOFR plus a margin per year and are expected to mature on December 19, 2030, with payments due on the 25th day of each month (or the next business day). The issuance occurred under a Series 2025‑FT1 Indenture Supplement and an amended Base Indenture that, among other changes, revises the definition of “Borrowing Base Deficiency.” The Notes were sold in a private Offering exempt from Securities Act registration and were offered for resale to qualified institutional buyers under Rule 144A.
loanDepot, Inc., through subsidiary loanDepot.com, LLC, entered into a new Fannie Mae mortgage servicing rights financing structure and issued Series 2025‑VF1 variable funding notes with a maximum purchase price of $300 million, which will decrease to $150 million after issuance of an initial series of term notes. The notes are financed by Nomura Corporate Funding Americas, LLC under a master repurchase agreement, bear interest at a variable rate based on daily simple SOFR plus a margin, and are expected to mature on May 29, 2026.
In connection with this new FNMSR Facility, the company terminated a prior revolving credit facility from the same administrative agent that had provided up to $300 million of funding secured by Fannie Mae servicing rights. On the termination date, an outstanding principal balance of $291,200,00 under the old credit agreement was transferred to the new facility, and no termination penalties were incurred. LD Holdings Group LLC delivered a guaranty in favor of Nomura Corporate Funding Americas, LLC to provide additional credit enhancement.
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.