[Form 4] loanDepot, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Insider filing summary for loanDepot, Inc. (LDI). Pamela H. Patenaude reported acquisition of 24,606 shares of Class A Common Stock on 08/29/2025 through restricted stock units (RSUs). The filing shows 24,606 RSUs underlying the award with a reported $0 per-share exercise/price. The RSUs are scheduled to vest ratably on November 28, 2025, February 27, 2026, and May 29, 2026. After the reported transaction(s), the form lists beneficial ownership figures of 269,080.7285 shares for Class A Common Stock and 73,819 underlying shares following the derivative reporting, as shown on the filing. The form was signed by an attorney-in-fact on behalf of Ms. Patenaude.

Insights

Financial Analyst

TL;DR Routine insider RSU award increases reported beneficial ownership and vests over three scheduled dates.

The filing documents a compensation-related grant of 24,606 restricted stock units to an insider, which is a common form of equity compensation intended to align executive/director interests with shareholders. The RSUs carry no purchase price per the filing and vest ratably on three future dates, creating a predictable schedule for potential share issuance. Reported post-transaction beneficial ownership figures are provided but the filing contains no cash proceeds, sale transactions, or change in control language.

Corporate Governance Expert

TL;DR Compensation grant disclosed cleanly; vesting schedule and form signature are clearly documented.

The Form 4 shows the grant structure and explicit vesting timetable, which supports transparency on insider compensation. The signature by an attorney-in-fact is properly dated on the form. There are no disclosures of derivative exercises, option pricing events, or dispositions that would raise governance concerns. This appears to be a routine equity grant to a director-level reporting person.

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

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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^*

PATENAUDE PAMELA H.

(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)	269,080.7285	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)	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 Pamela H. Patenaude	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 Pamela H. Patenaude report on Form 4 for LDI?

The filing reports acquisition of 24,606 RSUs convertible to Class A Common Stock on 08/29/2025.

When do the RSUs vest according to the Form 4?

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

How many shares does the Form 4 show beneficially owned after the transaction?

The filing lists 269,080.7285 shares for Class A Common Stock and 73,819 underlying shares following the derivative reporting.

Was there a cash price associated with the RSUs?

The Form 4 shows a reported price of $0 for the RSUs in the derivative securities table.

Who signed the Form 4 and when?

The form was signed by Greg Smith, as Attorney-in-Fact for Pamela H. Patenaude on 09/02/2025.