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loanDepot (LDI) investor relations material
loanDepot Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Anthony Hsieh returned as permanent CEO, focusing on profitability, market share growth, and technology-driven efficiency, with two new technology leaders appointed.
Net loss for Q2 2025 narrowed to $25M from $41M in the prior quarter, with adjusted net loss at $16M, reflecting higher origination volumes and lower expenses.
Origination volume reached $6.7B, with a 63% purchase mix and a 70% organic refinance consumer direct recapture rate.
Servicing portfolio UPB increased to $117.5B, with a 1.4% 60+ day delinquency rate and 62% retention of loans sold.
Adjusted EBITDA improved to $26M from $18M sequentially, and unrestricted cash stood at $409M at quarter end.
Financial highlights
Adjusted net loss was $16M in Q2 2025, improved from $25M loss in the prior quarter.
Pull-through weighted lock volume rose 17% sequentially to $6.3B; origination volume up 30% to $6.7B.
Adjusted total revenue increased to $292M from $278M sequentially; total revenue was $282.5M.
Servicing fee income increased to $108M from $104M, reflecting a larger servicing portfolio.
Total expenses decreased by $5M (2%) due to one-time benefits in salary and G&A.
Outlook and guidance
Q3 2025 origination volume expected between $5B–$7B; pull-through weighted lock volume between $5.25B–$7.25B.
Expected gain on sale margin between 325–350 basis points.
Total expenses anticipated to rise in Q3 due to absence of Q2 one-time benefits.
Focus remains on profitability, revenue growth, and disciplined cost management.
Management expects continued market challenges but ongoing investments in technology and efficiency.
Explain the drivers of expense decrease.
Assess impact of AI on market disruption.
How does HELOC launch fit into ecosystem?
How will technology increase loan process efficiency?
How does loanDepot balance growth with current debt?
Assess the impact of Jeff Walsh's retirement.
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Next loanDepot earnings date
Q3 20256 Nov, 2025
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Frequently asked questions
Nonbank Consumer Lender
LoanDepot, stylized as loanDepot, is an American financial services company, with a primary focus on the home mortgages and loans industry. The company offers a range of loans through its online platform, including mortgages and personal loans. loanDepot operates through a customer-centric approach, using technology through its digital platform to streamline the loan application and approval process. The company is headquartered in Irvine, California, and its shares are listed on the NYSE.
Establishing Itself Through Its Online Platform
LoanDepot was founded in 2009 by Anthony Hsieh, an entrepreneur with a history in the mortgage industry. Hsieh aimed to modernize the mortgage process, capitalizing on digital technologies to streamline loan origination and customer service. The company quickly distinguished itself in the competitive mortgage lending industry through its embrace of digital platforms, offering a variety of loan products including home purchase and refinancing options. Today, the company competes with other lenders and big banks, such as Wells Fargo, Bank of America, LendingTree, and many more
The Loans
loanDepot offers a range of loans and services built to meet various consumer needs. Their portfolio includes traditional home mortgages, refinancing options, and personal loans. The home mortgage segment covers fixed-rate and adjustable-rate mortgages, FHA loans, VA loans, and jumbo loans. In refinancing, the company provides options for those looking to lower monthly payments, shorten loan terms, or extract equity from their homes. Additionally, LoanDepot's personal loans offer financial solutions for debt consolidation, home improvement projects, or major purchases, with diverse term lengths and amount options.
The Online Platform
The company’s digital platform is central to its customer offering, designed to modernize and simplify the loan application and approval process. This platform enables users to efficiently apply for various loan types online, including mortgages and personal loans. Key features include an intuitive online application interface, rapid pre-qualification, and seamless document upload and verification capabilities. The platform also provides tools for rate comparison and loan customization, allowing customers to tailor loan products to their specific needs.
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