loanDepot CIO exercises RSUs and PSUs, net share gain

loanDepot, Inc. Chief Investment Officer Jeffrey Michael DerGurahian exercised and settled equity awards, acquiring 141,844 shares of Class A Common Stock on April 15, 2026 through the conversion of Restricted Stock Units and Performance Share Units.

Rhea-AI Filing Summary

loanDepot, Inc. Chief Investment Officer Jeffrey Michael DerGurahian exercised and settled equity awards, acquiring 141,844 shares of Class A Common Stock on April 15, 2026 through the conversion of Restricted Stock Units and Performance Share Units.

To cover tax obligations, 34,540 shares were withheld at $1.55 per share, leaving him with 1,317,684 shares held directly. Additional Class A shares are held indirectly through CDG Financial LLC, where he is managing member. Remaining RSUs and PSUs are scheduled to vest on April 15, 2027.

Insider Trade Summary

141,844 shares exercised/converted

Exercise 7 txns

Insider DerGurahian Jeffrey Michael

Role Chief Investment Officer

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units	70,922	$0.00	$0.00
Exercise	Performance Share Units	70,922	$0.00	$0.00
Exercise	Class A Common Stock	70,922	$0.00	$0.00
Exercise Price or Tax Liability	Class A Common Stock	17,270	$1.55	$27K
Exercise	Class A Common Stock	70,922	$0.00	$0.00
Exercise Price or Tax Liability	Class A Common Stock	17,270	$1.55	$27K
holding	Class A Common Stock	--	--	--

Holdings After Transaction: Restricted Stock Units — 70,922 contracts (Direct); Performance Share Units — 70,922 contracts (Direct); Class A Common Stock — 1,317,684 shares (Direct); Class A Common Stock — 5,842,969 shares (Indirect, CDG Financial LLC)

Footnotes (4)

1. F1. 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 April 15, 2027.
2. F2. The PSUs vested on April 15, 2026, and settled on April 16, 2026, due to an administrative processing delay. The tax-withholding price was based on April 15, 2026.
3. F3. Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest on April 15, 2027.
4. F4. The Reporting Person is the Managing Member of CDG Financial LLC. The Reporting Person disclaims beneficial ownership of the LDI shares held by CDG Financial LLC except to the extent of his pecuniary interest therein.

Key Figures

Shares acquired via RSU/PSU settlement: 141,844 shares Shares withheld for taxes: 34,540 shares Direct holdings after transactions: 1,317,684 shares +4 more

7 metrics

Shares acquired via RSU/PSU settlement 141,844 shares Class A Common Stock acquired on April 15, 2026 through derivative exercises

Shares withheld for taxes 34,540 shares Tax-withholding dispositions at $1.55 per share on April 15, 2026

Direct holdings after transactions 1,317,684 shares Class A Common Stock held directly by the CIO after April 15, 2026

Indirect holdings via CDG Financial LLC 5,842,969 shares Class A shares held indirectly, with beneficial ownership disclaimed except for pecuniary interest

RSU vesting date April 15, 2027 Remaining Restricted Stock Units scheduled vesting date

PSU grant date April 15, 2024 Performance Stock Units contingent on positive adjusted net income

PSU remaining vesting date April 15, 2027 Remaining Performance Stock Units scheduled vesting date

Key Terms

Restricted Stock Units, Performance Share Units, tax-withholding disposition, positive adjusted net income, +1 more

5 terms

Restricted Stock Units financial

"Each restricted stock unit ("RSU") represents a contingent right to receive"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

Performance Share Units financial

"Each performance stock unit ("PSU") granted on April 15, 2024, represented"

Performance share units are a type of company stock award given to employees that depend on the company meeting specific goals or targets. If these goals are achieved, the employee receives shares or the value of shares; if not, they may receive little or no compensation. This aligns employees’ interests with the company's success and encourages performance that benefits investors.

tax-withholding disposition financial

"Payment of exercise price or tax liability by delivering securities"

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

positive adjusted net income financial

"upon LDI achieving one fiscal quarter of positive adjusted net income"

pecuniary interest financial

"disclaims beneficial ownership... except to the extent of his pecuniary interest"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transactions did loanDepot (LDI) report for its CIO?

loanDepot reported that its Chief Investment Officer Jeffrey Michael DerGurahian acquired 141,844 Class A shares on April 15, 2026 via exercises of Restricted Stock Units and Performance Share Units, with a portion of the resulting shares withheld to satisfy tax obligations tied to the vesting.

How many loanDepot (LDI) shares did the CIO receive and how many were withheld for taxes?

The CIO received 141,844 Class A shares from RSU and PSU settlements, while 34,540 shares were disposed of as a tax-withholding transaction at $1.55 per share, meaning those shares went to cover tax liabilities rather than being sold in the open market.

What are the CIO’s direct and indirect loanDepot (LDI) share holdings after these transactions?

Following the April 15, 2026 transactions, Jeffrey Michael DerGurahian held 1,317,684 Class A shares directly. An additional 5,842,969 Class A shares were held indirectly through CDG Financial LLC, for which he is the Managing Member, with beneficial ownership disclaimed except for his pecuniary interest.

When do the remaining loanDepot (LDI) RSUs and PSUs held by the CIO vest?

The remaining Restricted Stock Units and Performance Stock Units held by the CIO are scheduled to vest on April 15, 2027. These awards represent additional contingent rights to receive Class A Common Stock if vesting conditions and timelines disclosed in the grant terms are satisfied.

What performance condition applied to the loanDepot (LDI) Performance Stock Units?

Each Performance Stock Unit granted on April 15, 2024 represented a right to one Class A share upon loanDepot achieving one fiscal quarter of positive adjusted net income, with PSUs vesting on April 15, 2026 and remaining units scheduled to vest on April 15, 2027 under those conditions.

Were the loanDepot (LDI) tax-withholding transactions open-market sales?

No, the 34,540 Class A shares coded as F transactions were withheld to satisfy tax liabilities at $1.55 per share. Such tax-withholding dispositions transfer shares for tax payments and are not open-market sales initiated to adjust or liquidate an investment position.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 04/17/2026 - 04:31 PM Learn about SEC filing dates

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^*

DerGurahian Jeffrey Michael

(Last) (First) (Middle)

C/O LOANDEPOT, INC.

6561 IRVINE CENTER DRIVE

(Street)

IRVINE CALIFORNIA 92618

(City) (State) (Zip)

UNITED STATES

(Country)

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 Investment Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
04/15/2026

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

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

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

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	04/15/2026		M		70,922	A	(1)	1,281,302	D
Class A Common Stock	04/15/2026		F		17,270	D	$1.55	1,264,032	D
Class A Common Stock	04/15/2026(2)		M		70,922	A	(3)	1,334,954	D
Class A Common Stock	04/15/2026(2)		F		17,270	D	$1.55	1,317,684	D
Class A Common Stock								5,842,969	I	CDG Financial LLC(4)

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)	04/15/2026		M			70,922	(1)	(1)	Class A Common Stock	70,922	$0	70,922	D
Performance Share Units	(3)	04/15/2026(2)		M			70,922	(3)	(3)	Class A Common Stock	70,922	$0	70,922	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 April 15, 2027.

2. The PSUs vested on April 15, 2026, and settled on April 16, 2026, due to an administrative processing delay. The tax-withholding price was based on April 15, 2026.

3. Each performance stock unit ("PSU") granted on April 15, 2024, represented a contingent right to receive one share of Class A Common Stock upon LDI achieving one fiscal quarter of positive adjusted net income. The remaining PSUs are scheduled to vest on April 15, 2027.

4. The Reporting Person is the Managing Member of CDG Financial LLC. The Reporting Person disclaims beneficial ownership of the LDI shares held by CDG Financial LLC except to the extent of his pecuniary interest therein.

Remarks:

	/s/ Greg Smith, as Attorney-in-Fact for Jeffrey Michael DerGurahian	04/17/2026
	** 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.
* Form 4: SEC 1474 (03-26)