[Form 4] loanDepot, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Steven Ozonian, a director of loanDepot, Inc. (ticker: LDI), reported receipt of 24,606 restricted stock units (RSUs) on 08/29/2025. The filing shows Mr. Ozonian is a director and the Form 4 was filed by one reporting person. Each RSU represents a contingent right to receive one share of Class A Common Stock or, at the Compensation Committee's option, the cash value of one share. The RSUs are scheduled to vest ratably on Nov 28, 2025, Feb 27, 2026, and May 29, 2026. Following the reported non-derivative transaction, the filing lists 143,677 shares of Class A Common Stock beneficially owned. The filing also reports 73,819 derivative securities beneficially owned following the transaction. The Form 4 is signed by Greg Smith as attorney-in-fact for Mr. Ozonian on 09/02/2025.

Insights

Securities Analyst

TL;DR: Insider director received 24,606 RSUs that vest in three tranches through May 2026; beneficial ownership totals are disclosed.

The filing documents a routine equity compensation grant to a company director rather than an open-market purchase or sale. The grant is structured as RSUs with vesting over three dates, which aligns executive compensation with future service and retention. Reported beneficial ownership figures—143,677 shares of Class A common stock and 73,819 derivative securities following the transaction—provide context on the director's stake but do not by themselves indicate a change in control or a liquidity event. The form is administrative in nature and does not disclose exercise prices, transfers, or sales.

Corporate Governance Expert

TL;DR: This is a standard director RSU grant with scheduled vesting; disclosure meets Section 16 reporting requirements.

The entry uses Code M and describes RSUs convertible to shares or cash at committee discretion, which is a common long‑term incentive vehicle for directors. Vesting dates are explicit and spread over roughly nine months, indicating short-to-medium term retention objectives. The Form 4 indicates the filing was executed by an attorney-in-fact, which is acceptable practice. There are no indications of accelerated vesting, clawback terms, or immediate dispositions in the filing text provided.

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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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^*

OZONIAN STEVEN

(Last) (First) (Middle)

C/O WILLISTON FINANCIAL GROUP

500 TECHNOLOGY DR., STE. 100

(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)	143,677	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 Steven Ozonian	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 Steven Ozonian report on the Form 4 for LDI?

He reported receipt of 24,606 RSUs on 08/29/2025, which are contingent rights to one share each or cash at the Compensation Committee's option.

When do the RSUs reported by Steven Ozonian vest?

The RSUs vest ratably on Nov 28, 2025; Feb 27, 2026; and May 29, 2026.

How many shares does Steven Ozonian beneficially own after the reported transaction?

The filing lists 143,677 shares of Class A Common Stock beneficially owned following the non-derivative transaction.

How many derivative securities are listed as beneficially owned after the transaction?

The filing reports 73,819 derivative securities beneficially owned following the reported transaction.

Who signed the Form 4 for Steven Ozonian and when?

Greg Smith signed as attorney-in-fact for Steven Ozonian on 09/02/2025.