loanDepot (LDI) investor relations material

Executive summary

• The 2026 annual meeting will be held virtually on June 4, 2026, with voting available online, by phone, or mail.

• Stockholders will vote on electing three Class II directors, ratifying Ernst & Young LLP as auditor, and approving executive compensation on an advisory basis.

• The board recommends voting FOR all proposals.

• Proxy materials are primarily distributed electronically to reduce costs and environmental impact.

Voting matters and shareholder proposals

• Three proposals: election of three Class II directors, auditor ratification, and advisory approval of executive compensation.

• Board recommends voting FOR all nominees and proposals.

• Stockholders can submit proposals and director nominations for future meetings, with specific deadlines and requirements outlined.

Board of directors and corporate governance

• Board consists of seven directors in three staggered classes; majority are independent.

• Nominees for Class II: Andrew Dodson, Steven Ozonian, Pamela Patenaude.

• Board committees: Audit, Compensation, and Nominating & Corporate Governance, all comprised of independent directors.

• Board conducts annual self-evaluations and encourages diversity of skills and perspectives.

• Controlled company status ended in 2025; now subject to full NYSE governance standards.