loanDepot (LDI) Registration filing summary

Company overview and business model

• Provides lending solutions focused on making homeownership accessible, especially for first-time buyers and diverse communities.

• Offers a broad suite of lending and real estate services, including a wide variety of loan products and in-house servicing.

• Ranked as the fifth largest retail-focused non-bank mortgage originator and ninth largest overall retail originator in 2025.

• Founded in 2010 to disrupt the legacy mortgage industry and enhance consumer experience.

Risk factors and disclosures

• Faces risks from strategic plan execution, new product acceptance, brand management, and acquisition integration.

• Exposed to interest rate fluctuations, loan concentration, servicing rights volatility, and operational risks.

• Subject to litigation, regulatory investigations, and compliance with evolving federal, state, and local laws.

• Dependent on warehouse lines of credit and subject to significant indebtedness and liquidity risks.

• Control is concentrated among a few large stockholders, potentially limiting broader shareholder influence.

Use of proceeds and capital allocation

• Net proceeds from securities sales will be used for general corporate purposes, including debt repayment, acquisitions, working capital, capital expenditures, and investments in subsidiaries.

• Proceeds may be temporarily invested prior to use.