[Form 4] loanDepot, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Reporting person: Darren Graeler, Chief Accounting Officer of loanDepot, Inc. reported a sale of Class A common stock on 09/11/2025. The report shows 100,000 shares sold at a weighted average price between $4.30 and $4.33 and a footnote explaining the price range. After the sale the reporting person beneficially owns 219,871 shares shown as direct ownership. The Form 4 was executed by an attorney-in-fact on behalf of the reporting person.

Positive

• Transparent disclosure of the number of shares sold and post-transaction beneficial ownership on Form 4
• Clarifying footnote stating the weighted average price range ($4.30 to $4.33) for the sale

Negative

• Officer reduced direct holdings by selling 100,000 shares, lowering insider ownership to 219,871 shares
• No contextual explanation provided for the sale (e.g., not identified as Rule 10b5-1 plan)

Insights

Financial Analyst

TL;DR: Officer sold 100,000 shares; remaining direct holding is 219,871 shares, transaction disclosed with weighted average pricing.

The transaction is a straightforward insider sale by a senior officer reported on Form 4. The filing discloses the exact number of shares sold and the resulting direct beneficial ownership, and includes a footnote clarifying that the reported price is a weighted average of multiple sales ranging from $4.30 to $4.33. There are no derivative transactions or amendments disclosed. From a financial perspective this is a routine disclosure that provides transparency on insider liquidity but does not by itself indicate a material change to the company’s capital structure.

Corporate Governance Expert

TL;DR: Timely Form 4 disclosure of an officer sale; compliance and clarity are present via price footnote.

The filing meets Section 16 reporting requirements by identifying the reporting person, relationship to the issuer, the class of security, shares sold, and post-transaction holdings. The inclusion of a weighted average price footnote strengthens disclosure quality by clarifying execution pricing across multiple trades. No indications of related-party transactions, options exercises, or derivative instruments are present. This appears to be a compliant insider sale rather than an event that triggers governance concerns in isolation.

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
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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^*

Graeler Darren

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
09/11/2025

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	09/11/2025		S		100,000	D	$4.3(1)	219,871	D

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

Explanation of Responses:

1. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $4.30 to $4.33. The reporting person undertakes to provide the issuer, any security holder of the issuer, or the staff of the Securities and Exchange Commission, upon request, specific trade amounts and pricing within the ranges set forth in this footnote of this Form 4 at which the respective transactions were affected.

Remarks:

	/s/ Greg Smith, as Attorney-in-Fact for Darren Graeler	09/12/2025
	** 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 Darren Graeler sell according to the Form 4 for LDI?

The Form 4 reports that 100,000 shares of Class A common stock were sold on 09/11/2025.

At what price were the shares sold in the reported LDI insider transaction?

The filing reports a weighted average price with transactions ranging from $4.30 to $4.33 and notes the $4.30 figure as the reported price.

How many shares does the reporting person own after the sale?

After the reported sale the reporting person is shown as beneficially owning 219,871 shares (direct ownership).

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

The form indicates it was filed by one reporting person (the reporting box for a single person is checked).

Does the filing show any derivative or option transactions for this reporting person?

No. Table II (derivative securities) contains no entries; only a non-derivative sale of Class A common stock is reported.