loanDepot (NYSE: LDI) CLO granted RSUs and performance share units

Rhea-AI Filing Summary

loanDepot, Inc. Chief Legal Officer Gregory Smallwood reported equity compensation activity and related tax withholding. He exercised 118,613 restricted stock units into the same number of Class A shares, with settlement occurring on March 16, 2026 after vesting on March 14, 2026.

He also received grants of 306,603 restricted stock units that vest in three equal annual installments beginning March 16, 2027, plus 102,201 performance share units that vest only if the stock reaches specified prices. To cover tax obligations, 32,150 Class A shares were withheld at $1.56 per share. After these transactions, he holds 298,052 Class A shares directly.

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)
03/16/2026

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	03/16/2026(1)		M		118,613	A	(2)	330,202	D
Class A Common Stock	03/16/2026		F		32,150	D	$1.56	298,052	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	(2)	03/16/2026		M			118,613	(2)	(2)	Class A Common Stock	118,613	$0	237,226	D
Restricted Stock Units	(3)	03/16/2026		A		306,603		(3)	(3)	Class A Common Stock	306,603	$0	306,603	D
Performance Share Units	(4)	03/16/2026		A		102,201		(4)	03/16/2029	Class A Common Stock	102,201	$0	102,201	D

Explanation of Responses:

1. The restricted stock units ("RSUs") vested on Saturday, March 14, 2026, and were settled on Monday, March 16, 2026.

2. Each RSU represents a contingent right to receive, at settlement, one share of Class A Common Stock. The RSUs vest in three equal annual increments commencing March 14, 2026, the first anniversary of the grant.

3. Each RSU represents a contingent right to receive, at settlement, one share of the issuer's Class A Common Stock. The RSUs vest in three equal annual increments commencing March 16, 2027, the first anniversary of the grant.

4. Each performance restricted stock unit represents a contingent right to receive one share of the issuer's Class A Common Stock. The performance rights vest upon the issuer's Class A Common Stock achieving specified prices per share.

Remarks:

	/s/ Greg Smith, as Attorney-in-Fact for Gregory Smallwood	03/18/2026
	** 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)

FAQ

What equity awards did loanDepot (LDI) Chief Legal Officer Gregory Smallwood receive?

Gregory Smallwood received 306,603 restricted stock units and 102,201 performance share units. The RSUs vest in three equal annual installments starting March 16, 2027, while the performance units vest only if loanDepot’s Class A stock hits specified price targets.

How many loanDepot (LDI) shares did Gregory Smallwood acquire through RSU vesting?

He acquired 118,613 Class A shares through the vesting and settlement of an equal number of restricted stock units. Those RSUs vested on March 14, 2026 and were settled in stock on March 16, 2026, increasing his direct share ownership.

How many loanDepot (LDI) shares were withheld for Gregory Smallwood’s taxes?

A total of 32,150 Class A shares were withheld at $1.56 per share to satisfy tax obligations. This withholding followed the share delivery from vested RSUs, reducing the net number of shares he retained from the vesting event on March 16, 2026.

What are the terms of Gregory Smallwood’s new loanDepot RSU grant?

The new grant consists of 306,603 restricted stock units, each representing one share of Class A stock. These RSUs vest in three equal annual increments beginning March 16, 2027, providing a staggered equity compensation schedule tied to continued service at loanDepot.

How do Gregory Smallwood’s performance share units at loanDepot (LDI) vest?

The 102,201 performance restricted stock units each represent one Class A share. They vest only if loanDepot’s Class A stock achieves specified price per share thresholds, linking this portion of his equity compensation directly to future stock price performance rather than solely time-based service.

How many loanDepot (LDI) Class A shares does Gregory Smallwood own after these transactions?

After the RSU settlement and tax withholding, he directly owns 298,052 Class A shares. This figure reflects the net position following the delivery of 118,613 shares from vested RSUs and the withholding of 32,150 shares to cover associated tax liabilities.