loanDepot CLO exercises awards, nets more shares

loanDepot, Inc. Chief Legal Officer Gregory Smallwood exercised equity awards and increased his shareholdings.

Rhea-AI Filing Summary

loanDepot, Inc. Chief Legal Officer Gregory Smallwood exercised equity awards and increased his shareholdings. On April 15, 2026 he converted 92,198 restricted and performance share units into Class A Common Stock at a stated price of $0.00 per share.

To cover tax obligations, 22,452 shares were withheld at $1.55 per share, leaving him with 367,798 Class A shares held directly after the transactions. The remaining restricted stock units and performance share units are scheduled to vest on April 15, 2027, with the PSUs tied to adjusted net income performance having been granted on April 15, 2024.

Insider Trade Summary

92,198 shares exercised/converted

Exercise 6 txns

Insider Smallwood Gregory

Role Chief Legal Officer

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units	46,099	$0.00	$0.00
Exercise	Performance Share Units	46,099	$0.00	$0.00
Exercise	Class A Common Stock	46,099	$0.00	$0.00
Exercise Price or Tax Liability	Class A Common Stock	11,226	$1.55	$17K
Exercise	Class A Common Stock	46,099	$0.00	$0.00
Exercise Price or Tax Liability	Class A Common Stock	11,226	$1.55	$17K

Holdings After Transaction: Restricted Stock Units — 46,099 contracts (Direct); Performance Share Units — 46,099 contracts (Direct); Class A Common Stock — 367,798 shares (Direct)

Footnotes (3)

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.

Key Figures

Derivative units exercised: 92,198 units Shares withheld for taxes: 22,452 shares at $1.55 Post-transaction holdings: 367,798 shares +3 more

6 metrics

Derivative units exercised 92,198 units Restricted and performance share units converted to Class A Common Stock on April 15, 2026

Shares withheld for taxes 22,452 shares at $1.55 Class A Common Stock withheld to satisfy tax liability on April 15, 2026

Post-transaction holdings 367,798 shares Class A Common Stock directly held by Gregory Smallwood after April 15, 2026 transactions

RSU vesting date April 15, 2027 Remaining restricted stock units scheduled to vest on this date

PSU grant date April 15, 2024 Performance share units granted, contingent on one fiscal quarter of positive adjusted net income

PSU remaining vesting date April 15, 2027 Remaining performance share units scheduled to vest on this date

Key Terms

Restricted Stock Units ("RSU"), Performance Stock Units ("PSU"), tax-withholding price, adjusted net income

4 terms

Restricted Stock Units ("RSU") financial

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

Performance Stock Units ("PSU") financial

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

tax-withholding price financial

"The tax-withholding price was based on April 15, 2026."

adjusted net income financial

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

Adjusted net income is a company's reported profit after removing unusual, one-time, or non-operational items so the number reflects the business’s regular earning power. Investors use it like a cleaned-up scorecard — similar to judging a player’s season performance without a few fluke games — to compare companies or assess trends without being misled by rare gains or losses that won’t affect future cash flow.

FAQ

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

What insider transaction did loanDepot (LDI) report for Gregory Smallwood?

loanDepot reported that Chief Legal Officer Gregory Smallwood exercised 92,198 restricted and performance share units into Class A Common Stock. These equity awards converted at a stated price of $0.00 per share as part of his compensation, rather than being open-market purchases.

How many loanDepot (LDI) shares did Gregory Smallwood receive and retain?

Gregory Smallwood converted 92,198 units into Class A Common Stock and, after share withholding for taxes, directly held 367,798 shares. This reflects an overall increase in his equity position from vested restricted stock units and performance share units granted under company plans.

Were any of Gregory Smallwood’s loanDepot (LDI) shares sold on the market?

The filing shows no open-market sales. Instead, 22,452 shares of Class A Common Stock were withheld at $1.55 per share to satisfy tax liabilities related to the vesting and settlement of his equity awards, a common administrative mechanism in stock-based compensation.

What are the tax-withholding details in the loanDepot (LDI) Form 4?

To cover tax obligations on vested awards, 22,452 shares of Class A Common Stock were disposed of through tax withholding at $1.55 per share. This transaction is coded as “F,” indicating payment of tax liability by delivering securities to the issuer rather than selling in the market.

What future vesting remains for Gregory Smallwood’s loanDepot (LDI) equity awards?

The remaining restricted stock units and performance share units are scheduled to vest on April 15, 2027. The performance share units, originally granted on April 15, 2024, are tied to loanDepot achieving one fiscal quarter of positive adjusted net income as a performance condition.

How are loanDepot (LDI) performance share units structured for executives?

Each performance share unit represents a contingent right to receive one share of Class A Common Stock. For this grant, PSUs issued on April 15, 2024 vest when loanDepot achieves one fiscal quarter of positive adjusted net income, with remaining units scheduled to vest on April 15, 2027.

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

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Accepted by SEC EDGAR 04/17/2026 - 04:30 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^*

Smallwood Gregory

(Last) (First) (Middle)

C/O LOANDEPOT, INC.

6561 IRVINE CENTER DR.

(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 Legal 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		46,099	A	(1)	344,151	D
Class A Common Stock	04/15/2026		F		11,226	D	$1.55	332,925	D
Class A Common Stock	04/15/2026(2)		M		46,099	A	(3)	379,024	D
Class A Common Stock	04/15/2026(2)		F		11,226	D	$1.55	367,798	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)	04/15/2026		M			46,099	(1)	(1)	Class A Common Stock	46,099	$0	46,099	D
Performance Share Units	(3)	04/15/2026(2)		M			46,099	(3)	(3)	Class A Common Stock	46,099	$0	46,099	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.

Remarks:

	/s/ Greg Smith, as Attorney-in-Fact for Gregory Smallwood	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)