[Form 4] loanDepot, Inc. Insider Trading Activity

Rhea-AI Filing Summary

John Hoon Lee, a director of loanDepot, Inc. (LDI), was granted 24,606 restricted stock units (RSUs) on 08/29/2025. The filing shows Mr. Lee directly beneficially owns 186,781 shares of Class A common stock and indirectly owns 62,556 shares through Bluestar Family Holdings LP. Each RSU represents a contingent right to one share (or cash at the Compensation Committee's option). The RSUs are scheduled to vest ratably on November 28, 2025, February 27, 2026, and May 29, 2026. The Form 4 was signed by an attorney-in-fact on behalf of Mr. Lee on 09/02/2025.

Positive

• 24,606 RSU grant documented, increasing the reporting person's alignment with shareholder interests
• Clear beneficial ownership disclosure: 186,781 shares directly and 62,556 shares indirectly via Bluestar Family Holdings LP

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Routine executive equity grant increases director's stake and aligns interests with shareholders while vesting occurs over three future dates.

The Form 4 documents a non-derivative grant of 24,606 RSUs to director John Hoon Lee, increasing his direct beneficial ownership to 186,781 shares with an additional 62,556 held indirectly. The structure—RSUs convertible to one share or cash at committee option—and staggered vesting dates are typical for incentive compensation intended to retain and align directors. Transaction code M indicates a grant or award rather than an open-market trade, so market-impact considerations are limited absent larger context such as total outstanding shares or other contemporaneous grants.

Securities Analyst

TL;DR: A director received 24,606 RSUs; this is a disclosure of ownership change, not an immediate market transaction.

The filing reports issuance of 24,606 RSUs effective 08/29/2025, adding to the reporting person’s reported holdings. The RSUs convert one-for-one to Class A common stock (or cash) and vest on three specified future dates. Because the report documents a grant (code M) rather than an open-market purchase or sale, it does not represent liquidity or trading demand. Investors monitoring insider holdings can note the incremental increase in beneficial ownership and the scheduled vesting timeline for potential future share issuance.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Lee John Hoon

(Last) (First) (Middle)

C/O LOANDEPOT, INC.

6561 IRVINE CENTER DRIVE

(Street)

IRVINE CA 92618

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
loanDepot, Inc. [ LDI ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
08/29/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Common Stock	08/29/2025		M		24,606	A	(1)	186,781	D
Class A Common Stock								62,556	I	Bluestar Family Holdings LP

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	(1)	08/29/2025		M			24,606	(1)	(1)	Class A Common Stock	24,606	$0	73,819	D

Explanation of Responses:

1. Each restricted stock unit ("RSU") represents a contingent right to receive, at settlement, one share of Class A Common Stock or, at the option of the Compensation Committee, the cash value of one share of Class A Common Stock. The RSUs are scheduled to vest ratably on November 28, 2025, February 27, 2026, and May 29, 2026.

Remarks:

	/s/ Greg Smith, as Attorney-in-Fact for John Hoon Lee	09/02/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did John Hoon Lee report on the Form 4 for LDI?

He reported a grant of 24,606 RSUs on 08/29/2025, increasing his direct beneficial ownership to 186,781 shares and noting 62,556 shares held indirectly.

When do the RSUs granted to John Hoon Lee vest?

The RSUs vest ratably on November 28, 2025; February 27, 2026; and May 29, 2026.

What does each RSU represent in the filing?

Each RSU represents a contingent right to one share of Class A common stock or, at the Compensation Committee’s option, the cash value of one share.

Was the Form 4 filed jointly or by one reporting person?

The form was filed by one reporting person (the box indicating one reporting person is checked).

Who signed the Form 4 and when?

The form was signed by Greg Smith as Attorney-in-Fact for John Hoon Lee on 09/02/2025.