loanDepot Investor Relations Material

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.

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

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 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.