[Form 4] loanDepot, Inc. Insider Trading Activity

Rhea-AI Filing Summary

loanDepot, Inc. (LDI) – Form 4 insider activity

Managing Director Dan Binowitz settled two tranches of restricted stock units (RSUs) on 07/10/2025. A total of 87,580 RSUs were converted into Class A common shares at a stated price of $0 (code M). To cover statutory tax withholding, 31,338 shares were immediately surrendered at $1.52 per share (code F). Net of the tax-related dispositions, the executive added 56,242 shares to his direct holdings, which now stand at 1,079,589 shares.

An additional 43,790 unvested RSUs remain outstanding and are scheduled to vest on 07/10/2026.

Positive

• Net addition of 56,242 shares increases insider’s direct stake to 1.08 million, modestly aligning management with shareholders.

Negative

• 31,338 shares disposed at $1.52 to cover taxes, signaling no discretionary buying with personal funds.

Insights

Securities Analyst

TL;DR: Routine RSU vesting; tax sales offset part of gain—net insider ownership up 56 K shares, a mildly constructive but immaterial signal.

The filing reflects standard compensation mechanics rather than open-market buying. While Binowitz’s direct stake increases 5.5 %, the transactions stem from previously granted equity awards and compulsory tax withholding. No cash outlay was made by the insider, and the disposals occurred at the day’s $1.52 reference price. For most investors this represents routine stewardship alignment, not a catalyst. Market impact should therefore be neutral unless aggregated with broader insider trends.

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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X

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^*

Binowitz Dan

(Last) (First) (Middle)

C/O LOANDEPOT, INC.

6561 IRVINE CENTER DR.

(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)
	Managing Director

3. Date of Earliest Transaction (Month/Day/Year)
07/10/2025

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	07/10/2025		M		43,790	A	$0(1)	1,067,137	D
Class A Common Stock	07/10/2025		F		15,669	D	$1.52	1,051,468	D
Class A Common Stock	07/10/2025		M		43,790	A	$0(1)	1,095,258	D
Class A Common Stock	07/10/2025		F		15,669	D	$1.52	1,079,589	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
Restricted Stock Units	(1)	07/10/2025		M			43,790	(1)	(1)	Class A Common Stock	43,790	$0	43,790	D
Restricted Stock Units	(1)	07/10/2025		M			43,790	(1)	(1)	Class A Common Stock	43,790	$0	43,790	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. The remaining RSUs are scheduled to vest on 7/10/2026.

Remarks:

	/s/ Greg Smith, as Attorney-in-Fact for Dan Binowitz	07/14/2025
	** 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

How many loanDepot (LDI) shares did Dan Binowitz acquire?

He received 87,580 shares through RSU conversion on 07/10/2025.

Did the insider sell any LDI shares?

Yes, 31,338 shares were surrendered at $1.52 to satisfy tax withholding (code F).

What is Dan Binowitz’s current LDI shareholding after the Form 4?

His direct ownership is now 1,079,589 Class A shares.

Are additional RSUs still unvested?

Yes, 43,790 RSUs remain and are scheduled to vest on 07/10/2026.

Was any cash paid for the newly acquired shares?

No; RSUs converted at a stated price of $0, reflecting non-cash settlement of equity awards.