loanDepot, Inc.
For the period ended Dec 31, 2025. Filed Mar 12, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 12, 2026
LDI$0.48-9.5%Stored close · as of Nov 10, 2026
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Item 15. Exhibits, Financial Statement Schedules
Item 15. Exhibits and Financial Statement Schedules
The following documents are filed as a part of this report:
- Consolidated Financial Statements
The financial statements that are filed as part of this report are included in Part II. Item 8 of this report.
- Financial Statement Schedules:
All financial statements and schedules have been omitted since the required information is included in the consolidated financial statements or the notes thereto, or is not applicable or required.
- Exhibits
| Exhibit No. | Description |
| 3.1 | Amended and Restated Certificate of Incorporation of loanDepot, Inc., dated February 11, 2021 (incorporated herein by reference to Exhibit 3.1 to the Company’s Current Report on Form 8-K filed February 16, 2021). |
| 3.2 | Amended and Restated Bylaws of loanDepot, Inc., effective November 10, 2022 (incorporated herein by reference to Exhibit 3.2 to the Company’s Annual Report on Form 10-K filed March 13, 2025). |
| 4.1 | Registration Rights Agreement, dated February 16, 2021, among loanDepot, Inc., LD Holdings Group LLC and certain holders identified therein (incorporated herein by reference to Exhibit 4.1 to the Company’s Current Report on Form 8-K filed February 16, 2021). |
| 4.2 | Indenture, dated March 26, 2021, among LD Holdings Group LLC, the guarantors party thereto and Wilmington Trust, National Association, as trustee (Form of 6.125% Senior Notes due 2028 included as Exhibit A thereto) (incorporated herein by reference to Exhibit 4.1 to the Company’s Current Report on Form 8-K filed April 1, 2021). |
| 4.2.1 | First Supplemental Indenture, dated June 24, 2024, among the LD Holdings Group LLC, mello Credit Strategies LLC and Wilmington Trust, National Association, as trustee, to the Indenture, dated as of March 26, 2021 (incorporated herein by reference to Exhibit 4.3 to the Company’s Current Report on Form 8-K filed June 24, 2024). |
| 4.3 | Indenture, dated June 24, 2024, among LD Holdings Group LLC, the guarantors party thereto and U.S. Bank Trust Company, National Association, as trustee and collateral agent (Form of 8.750% Senior Secured Notes due 2027 included as Exhibit A thereto) (incorporated herein by reference to Exhibit 4.1 to the Company’s Current Report on Form 8-K filed June 24, 2024). |
| 4.4* | Description of Capital Stock. |
| 10.1 | Amended and Restated Stockholders Agreement, dated April 21, 2022, among loanDepot, Inc., Parthenon Investors III, L.P., PCap Associates, Parthenon Capital Partners Fund, L.P., Parthenon Investors IV, L.P., Parthenon Capital Partners Fund II, L.P. PCP Managers, L.P., The JLSSAA, Trust established September 4, 2014, JLSA, LLC, Trilogy Mortgage Holdings, Inc., Trilogy Management Investors Six, LLC, Trilogy Management Investors Seven, LLC and Trilogy Management Investors Eight, LLC (incorporated herein by reference to Exhibit 10.10 to the Company’s Quarterly Report on Form 10-Q filed May 13, 2022). |
| 10.2 | Tax Receivable Agreement, dated February 11, 2021, among loanDepot, Inc., LD Holdings Group LLC and the other parties thereto (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed February 16, 2021). |
| 10.3 | Fourth Amended and Restated Limited Liability Company Agreement of LD Holdings, LLC, dated February 11, 2021, among LD Holdings Group LLC and the other parties thereto (incorporated herein by reference to Exhibit 10.3 to the Company’s Current Report on Form 8-K filed February 16, 2021). |
| 10.4+ | Form of Directors and Officers Indemnification Agreement (incorporated herein by reference to Exhibit 10.3 to Amendment No. 2 to the Company’s Registration Statement on Form S-1 filed February 9, 2021). |
| 10.5+ | 2021 Omnibus Incentive Plan (incorporated herein by reference to Exhibit 10.1 to the Company’s Registration Statement on Form S-8 filed February 16, 2021). |
| 10.5.1+ | First Amendment to the 2021 Omnibus Incentive Plan (incorporated herein by reference to Exhibit 99.2 to the Company’s Registration Statement on Form S-8 filed May 20, 2022). |
| 10.5.2+ | Second Amendment to the 2021 Omnibus Incentive Plan (incorporated herein by reference to Exhibit 99.3 of the Company’s Registration Statement on Form S-8 filed June 13, 2023). |
| 10.5.3+ | Third Amendment to the 2021 Omnibus Incentive Plan (incorporated herein by reference to Exhibit 99.1 to the Company’s Registration Statement on Form S-8 filed June 6, 2025). |
| 10.5.4+ | Form of Restricted Stock Unit Agreement (incorporated herein by reference to Exhibit 10.16 to Amendment No. 1 to the Company’s Registration Statement on Form S-1 filed January 21, 2021). |
| 10.5.5+ | Form of Performance Share Unit Award Agreement under 2021 Omnibus Incentive Plan, approved December 14, 2022 (incorporated herein by reference to Exhibit 10.45 to the Company’s Annual Report on Form 10-K filed March 16, 2023). |
| 10.5.6+ | Form of Nonqualified Stock Option Agreement under 2021 Omnibus Incentive Plan, approved December 14, 2022 (incorporated herein by reference to Exhibit 10.46 to the Company’s Annual Report on Form 10-K filed March 16, 2023). |
| 10.5.7+ | Form of Restricted Stock Unit Award Agreement under 2021 Omnibus Incentive Plan, approved January 18, 2023 (incorporated herein by reference to Exhibit 10.44 to the Company’s Annual Report on Form 10-K filed March 16, 2023). |
| 10.5.8+ | Form of Restricted Stock Unit Award Agreement under 2021 Omnibus Incentive Plan, approved March 13, 2024 (incorporated herein by reference to Exhibit 10.6.7 to the Company’s Annual Report on Form 10-K filed March 13, 2025). |
| 10.5.9+ | Form of Performance Restricted Stock Unit Award Agreement under 2021 Omnibus Incentive Plan, approved March 13, 2024 (incorporated herein by reference to Exhibit 10.6.8 to the Company’s Annual Report on Form 10-K filed March 13, 2025). |
| 10.6+ | 2022 Inducement Plan (incorporated herein by reference to Exhibit 10.4 to the Company’s Current Report on Form 8-K filed April 26, 2022). |
| 10.6.1+ | Form of Restricted Stock Unit Award Agreement under 2022 Inducement Plan, approved April 20, 2022 (incorporated herein by reference to Exhibit 10.3 to the Company’s Quarterly Report on Form 10-Q filed August 11, 2022). |
| 10.6.2+ | Form of Performance Award Agreement under 2022 Inducement Plan, approved April 20, 2022 (incorporated herein by reference to Exhibit 10.4 to the Company’s Quarterly Report on Form 10-Q filed August 11, 2022). |
| 10.6.3+ | Form of Nonqualified Option Agreement under 2022 Inducement Plan, approved April 20, 2022 (incorporated herein by reference to Exhibit 10.5 to the Company’s Quarterly Report on Form 10-Q filed August 11, 2022). |
| 10.6.4+ | Form of Restricted Stock Unit Award Agreement under 2022 Inducement Plan, approved September 11, 2025 (incorporated herein by reference to Exhibit 99.3 to the Company’s Registration Statement on Form S-8 filed September 12, 2025). |
| 10.6.5+ | Form of Performance Stock Unit Award Agreement under 2022 Inducement Plan, approved September 11, 2025 (incorporated herein by reference to Exhibit 99.2 to the Company’s Registration Statement on Form S-8 filed September 12, 2025). |
| 10.7+ | Executive Employment Agreement, dated April 21, 2022, between Frank Martell and loanDepot, Inc. (incorporated herein by reference to Exhibit 10.8 to the Company’s Quarterly Report on Form 10-Q filed May 13, 2022). |
| 10.7.1+ | Transition, Separation and Advisory Agreement and General Release of Claims, dated March 5, 2025, between loanDepot, Inc. and Frank Martell (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed March 6, 2025). |
| 10.8+ | Letter Agreement, dated March 6, 2025, between loanDepot, Inc. and Anthony Hsieh (incorporated herein by reference to Exhibit 10.3 to the Company’s Current Report on Form 8-K filed March 6, 2025). |
| 10.9+ | Executive Employment Agreement, dated June 1, 2023, between loanDepot, Inc. and David Hayes (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed June 5, 2023). |
| 10.10+ | Executive Employment Agreement, dated September 22, 2022, between loanDepot, Inc. and Jeff Walsh (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed September 28, 2022). |
| 10.10.1+ | Transition and Separation Agreement and General Release of Claims, dated August 5, 2025, between loanDepot, Inc. and Jeff Walsh (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed August 7, 2025). |
| 10.11+*# | Executive Employment Agreement, dated August 5, 2025, between loanDepot, Inc. and Dominick Marchetti. |
| 10.12# | Mortgage Loan Participation Purchase and Sale Agreement, dated February 28, 2013, between loanDepot.com, LLC and Jefferies Mortgage Funding, LLC (incorporated herein by reference to Exhibit 10.21 to Amendment No. 1 to the Company’s Registration Statement on Form S-1 filed January 21, 2021). |
| 10.12.1# | Amendment Number One to the Mortgage Loan Participation Purchase and Sale Agreement, dated November 21, 2013, between loanDepot.com, LLC and Jefferies Mortgage Funding, LLC (incorporated herein by reference to Exhibit 10.21.1 to Amendment No. 1 to the Company’s Registration Statement on Form S-1 filed January 21, 2021). |
| 10.12.2 | Amendment Number Two [as renumbered by Amendment Number 3] to the Mortgage Loan Participation Purchase and Sale Agreement, dated June 25, 2019, between loanDepot.com, LLC and Jefferies Mortgage Funding, LLC (incorporated herein by reference to Exhibit 10.21.3 to Amendment No. 1 to the Company’s Registration Statement on Form S-1 filed January 21, 2021). |
| 10.12.3 | Amendment Number Three to the Mortgage Loan Participation Purchase and Sale Agreement, dated December 31, 2019, between loanDepot.com, LLC and Jefferies Mortgage Funding, LLC (incorporated herein by reference to Exhibit 10.14.3 to the Company’s Annual Report on Form 10-K filed March 13, 2025). |
| 10.12.4 | Amendment Number Four to the Mortgage Loan Participation Purchase and Sale Agreement, dated June 18, 2020, between loanDepot.com, LLC and Jefferies Mortgage Funding, LLC (incorporated herein by reference to Exhibit 10.21.4 to Amendment No. 1 to the Company’s Registration Statement on Form S-1 filed January 21, 2021). |
| 10.13 | Indenture, dated September 24, 2020, among loanDepot Agency Receivables Trust, as issuer, loanDepot.com, LLC, as servicer and administrator, Citibank, N.A, as indenture trustee, calculation agent, paying agent, custodian and securities intermediary, and JPMorgan Chase Bank, N.A., as administrative agent (incorporated herein by reference to Exhibit 10.48 to Amendment No. 1 to the Company’s Registration Statement filed Form S-1 filed January 21, 2021). |
| 10.13.1# | Series 2020-VF1 Indenture Supplement to Indenture, dated September 24, 2020, among loanDepot Agency Receivables Trust, loanDepot.com LLC and JPMorgan Chase Bank, N.A. (incorporated herein by reference to Exhibit 10.49 to Amendment No. 1 to the Company’s Registration Statement on Form S-1 filed January 21, 2021). |
| 10.13.2# | Amendment No. 1 to Base Indenture and to Series 2020-VF1 Indenture Supplement, dated October 28, 2020, among loanDepot Agency Receivables Trust, Citibank, N.A, loanDepot.com, LLC and JPMorgan Chase Bank, N.A. (incorporated herein by reference to Exhibit 10.48.1 to Amendment No. 1 to the Company’s Registration Statement on Form S-1 filed January 21, 2021). |
| 10.13.3# | Amendment No. 2 to Series 2020-VF1 Indenture Supplement, dated September 23, 2021, among loanDepot Agency Advance Receivables Trust, Citibank, N.A., loanDepot.com, LLC, and JPMorgan Chase Bank, N.A. (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed September 29, 2021). |
| 10.13.4# | Amendment No. 2 to Base Indenture and Amendment No. 3 to Series 2020-VF1 Indenture Supplement, dated February 14, 2022, among loanDepot Agency Advance Receivables Trust, Citibank, N.A., loanDepot.com, LLC, and JPMorgan Chase Bank, N.A. (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed February 16, 2022). |
| 10.13.5# | Amendment No. 4 to Series 2020-VF1 Indenture Supplement, dated September 23, 2022, among loanDepot Agency Advance Receivables Trust, Citibank, N.A., loanDepot.com, LLC, and JPMorgan Chase Bank, N.A. (incorporated herein by reference to Exhibit 10.15.5 to the Company’s Annual Report on Form 10-K filed March 13, 2025). |
| 10.13.6# | Amendment No. 5 to Series 2020-VF1 Indenture Supplement, dated September 22, 2023, among loanDepot Agency Advance Receivables Trust, Citibank, N.A., loanDepot.com, LLC, and JPMorgan Chase Bank, N.A. (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed September 28, 2023). |
| 10.13.7 | Amendment No. 3 to the Base Indenture, dated January 12, 2024, among loanDepot Agency Advance Receivables Trust, Citibank, N.A., loanDepot.com, LLC, and JPMorgan Chase Bank, N.A. (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed January 19, 2024). |
| 10.13.8# | Amendment No. 6 to Series 2020-VF1 Indenture Supplement, dated September 27, 2024, among loanDepot Agency Advance Receivables Trust, Citibank, N.A., loanDepot.com, LLC, and JPMorgan Chase Bank, N.A. (incorporated herein by reference to Exhibit 10.5 to the Company’s Current Report on Form 8-K filed September 30, 2024). |
| 10.13.9# | Amendment No. 7 to Series 2020-VF1 Indenture Supplement, dated December 19, 2024, among loanDepot Agency Advance Receivables Trust, Citibank, N.A., loanDepot.com, LLC, and JPMorgan Chase Bank, N.A. (incorporated herein by reference to Exhibit 10.15.9 to the Company’s Annual Report on Form 10-K filed March 13, 2025). |
| 10.13.10# | Amendment No. 8 to Series 2020-VF1 Indenture Supplement, dated September 26, 2025, among loanDepot Agency Advance Receivables Trust, Citibank, N.A., loanDepot.com, LLC, and JPMorgan Chase Bank, N.A (incorporated herein by reference to Exhibit 10.11 to the Company’s Quarterly Report on Form 10-Q filed November 7, 2025). |
| 10.14# | Amended and Restated Master Repurchase Agreement, dated August 11, 2021, between UBS AG, by and through its branch office at 1285 Avenue of the Americas, New York, New York, and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed August 17, 2021). |
| 10.14.1 | Amendment No. 1 to the Amended and Restated Master Repurchase Agreement, dated April 19, 2022, between UBS AG and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed April 25, 2022). |
| 10.14.2 | Amendment No. 2 to the Amended and Restated Master Repurchase Agreement, dated as of July 28, 2022, between UBS AG and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.11 to the Company’s Quarterly Report on Form 10-Q filed August 11, 2022). |
| 10.14.3 | Amendment No. 3 to Amended and Restated Master Repurchase Agreement, dated June 29, 2023, between UBS AG and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.5 to the Company’s Quarterly Report on Form 10-Q filed August 10, 2023). |
| 10.14.4# | Amendment No. 4 to the Amended and Restated Master Repurchase Agreement, dated as of April 16, 2024, between UBS AG and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed April 22, 2024). |
| 10.14.5# | Amendment No. 5 to the Amended and Restated Master Repurchase Agreement, dated April 15, 2025, between UBS AG and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed April 18, 2025). |
| 10.15# | Second Amended and Restated Master Repurchase Agreement, dated August 20, 2021, among Bank of America, N.A., as buyer, loanDepot BA Warehouse, LLC, as seller, and loanDepot.com, LLC, as guarantor and pledgor (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed August 25, 2021). |
| 10.15.1# | Guaranty, dated August 20, 2021, by loanDepot.com, LLC, in favor of Bank of America, N.A. (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed August 25, 2021). |
| 10.15.2 | Amendment No. 1 to Second Amended and Restated Master Repurchase Agreement, dated September 27, 2021, among Bank of America, N.A., loanDepot BA Warehouse, LLC, and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.5 to the Company’s Current Report on Form 8-K filed September 29, 2021). |
| 10.15.3 | Amendment No. 2 to Second Amended and Restated Master Repurchase Agreement, dated October 28, 2021, among Bank of America, N.A., loanDepot BA Warehouse, LLC, and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed November 3, 2021). |
| 10.15.4 | Amendment No. 3 to Second Amended and Restated Master Repurchase Agreement, dated April 27, 2022, among Bank of America, N.A., loanDepot BA Warehouse, LLC, and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed May 3, 2022). |
| 10.15.5 | Amendment No. 4 to Second Amended and Restated Master Repurchase Agreement, dated July 26, 2022, among Bank of America, N.A., loanDepot BA Warehouse, LLC, and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.10 to the Company’s Quarterly Report on Form 10-Q filed August 11, 2022). |
| 10.15.6 | Amendment No. 5 to Second Amended and Restated Master Repurchase Agreement, dated September 26, 2022, among Bank of America, N.A., loanDepot BA Warehouse, LLC, and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.15 to the Company’s Quarterly Report on Form 10-Q filed November 10, 2022). |
| 10.15.7# | Amendment No. 6 to Second Amended and Restated Master Repurchase Agreement, dated June 30, 2023, among Bank of America, N.A., loanDepot BA Warehouse, LLC, and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.2 to the Company’s Quarterly Report on Form 10-Q filed August 10, 2023). |
| 10.15.8# | Amendment No. 7 to Second Amended and Restated Master Repurchase Agreement, dated September 25, 2023, among Bank of America, N.A., loanDepot BA Warehouse, LLC, and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.3 to the Company’s Current Report on Form 8-K filed September 28, 2023). |
| 10.15.9 | Addendum to Second Amended and Restated Master Repurchase Agreement, dated as of October 23, 2023, among Bank of America, N.A, loanDepot BA Warehouse, LLC, and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed October 27, 2023). |
| 10.15.10# | Amendment No. 8 to Second Amended and Restated Master Repurchase Agreement, dated September 20, 2024, among Bank of America, N.A., loanDepot BA Warehouse, LLC, and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed September 24, 2024). |
| 10.15.11 | Amendment No. 9 to the Second Amended and Restated Master Repurchase Agreement, dated October 20, 2025, between Bank of America, N.A., loanDepot BA Warehouse, LLC and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.9 to the Company’s Quarterly Report on Form 10-Q filed November 7, 2025). |
| 10.16# | Second Amended and Restated Mortgage Loan Participation Purchase and Sale Agreement, dated February 2, 2022, between Bank of America, N.A., as purchaser, and loanDepot.com, LLC, as seller (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed February 8, 2022). |
| 10.16.1 | Amendment No. 1 to the Second Amended and Restated Mortgage Loan Participation Purchase and Sale Agreement, dated April 27, 2022, between Bank of America, N.A., and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed May 3, 2022). |
| 10.16.2 | Amendment No. 2 to the Second Amended and Restated Mortgage Loan Participation Purchase and Sale Agreement, dated July 26, 2022, between Bank of America, N.A., and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.9 to the Company’s Quarterly Report on Form 10-Q filed August 11, 2022). |
| 10.16.3 | Amendment No. 3 to the Second Amended and Restated Mortgage Loan Participation Purchase and Sale Agreement, dated September 26, 2022, between Bank of America, N.A., and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.13 to the Company’s Quarterly Report on Form 10-Q filed November 10, 2022). |
| 10.16.4# | Amendment No. 4 to the Second Amended and Restated Mortgage Loan Participation Purchase and Sale Agreement, dated June 30, 2023, between Bank of America, N.A. and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1 to the Company’s Quarterly Report on Form 10-Q filed August 10, 2023). |
| 10.16.5# | Amendment No. 5 to the Second Amended and Restated Mortgage Loan Participation Purchase and Sale Agreement, dated September 25, 2023, between Bank of America, N.A. and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed September 28, 2023). |
| 10.16.6# | Amendment No. 6 to the Second Amended and Restated Mortgage Loan Participation Purchase and Sale Agreement, dated September 20, 2024, between Bank of America, N.A. and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed September 24, 2024). |
| 10.16.7 | Amendment No. 7 to the Second Amended and Restated Mortgage Loan Participation Purchase and Sale Agreement, dated September 10, 2025, between Bank of America, N.A. and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.7 to the Company’s Quarterly Report on Form 10-Q filed November 7, 2025). |
| 10.16.8 | Amendment No. 8 to the Second Amended and Restated Mortgage Loan Participation Purchase and Sale Agreement, dated October 20, 2025, between Bank of America, N.A. and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.8 to the Company’s Quarterly Report on Form 10-Q filed November 7, 2025). |
| 10.17# | Third Amended and Restated Master Repurchase Agreement, dated October 28, 2022, between Jefferies Funding LLC and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed November 2, 2022). |
| 10.18# | Amended and Restated Mortgage Loan Participation Sale Agreement, dated November 10, 2022, between JPMorgan Chase Bank, National Association, as purchaser, and loanDepot.com, LLC, as seller (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed November 15, 2022). |
| 10.18.1# | Amendment No. 1 to the Amended and Restated Mortgage Loan Participation Sale Agreement, dated June 30, 2023, between JPMorgan Chase Bank, National Association, and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.4 to the Company’s Quarterly Report on Form 10-Q filed August 10, 2023). |
| 10.18.2# | Amendment No. 2 to the Amended and Restated Mortgage Loan Participation Sale Agreement, dated September 27, 2023, between JPMorgan Chase Bank, National Association and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed October 3, 2023). |
| 10.18.3# | Amendment No. 3 to the Amended and Restated Mortgage Loan Participation Sale Agreement, dated September 27, 2024, between JPMorgan Chase Bank, National Association and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.6 to the Company’s Current Report on Form 8-K filed September 30, 2024). |
| 10.18.4# | Amendment No. 4 to the Amended and Restated Mortgage Loan Participation Sale Agreement, dated September 4, 2025, between JPMorgan Chase Bank, National Association and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.5 to the Company’s Quarterly Report on Form 10-Q filed November 7, 2025). |
| 10.18.5# | Amendment No. 5 to the Amended and Restated Mortgage Loan Participation Sale Agreement, dated October 27, 2025, between JPMorgan Chase Bank, National Association, and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.6 to the Company’s Quarterly Report on Form 10-Q filed November 7, 2025). |
| 10.19# | Second Amended and Restated Master Repurchase Agreement, dated December 28, 2023, between EverBank, N.A., as buyer, and loanDepot.com, LLC, as seller (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed January 3, 2024). |
| 10.19.1# | Fourth Amendment to the Second Amended and Restated Master Repurchase Agreement, dated October 31, 2024, between EverBank, N.A. and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.3 to the Company’s Current Report on Form 8-K filed November 4, 2024). |
| 10.20# | Third Amended and Restated Base Indenture, dated January 25, 2024, among Citibank, N.A., as indenture trustee, calculation agent, paying agent and securities intermediary; Nomura Corporate Funding Americas, LLC, as administrative agent and as consenting noteholder of 100% of the outstanding Variable Funding Notes; loanDepot GMSR Master Trust, as issuer; loanDepot.com, LLC, as servicer and administrator; and Pentalpha Surveillance LLC, as credit manager (incorporated herein by reference to Exhibit 10.3 to the Company’s Current Report on Form 8-K filed January 31, 2024). |
| 10.20.1# | Second Amended and Restated Series 2017-VF1 Indenture Supplement to Third Amended and Restated Base Indenture (MSR Collateralized Notes, Series 2017-VF1), dated January 25, 2024, among Citibank, N.A., Nomura Corporate Funding Americas, LLC, loanDepot GMSR Master Trust and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.4 to the Company’s Current Report on Form 8-K filed January 31, 2024). |
| 10.20.2# | Amended and Restated Series 2021-SAVF1 Indenture Supplement to Third Amended and Restated Base Indenture (MSR Collateralized Notes, Series 2021-SAVF1), dated January 25, 2024, among Citibank, N.A., Nomura Corporate Funding Americas, LLC, loanDepot GMSR Master Trust and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.6 to the Company’s Current Report on Form 8-K filed January 31, 2024). |
| 10.20.3# | Amended and Restated Series 2021-PIAVF1 Indenture Supplement to Third Amended and Restated Base Indenture (MSR Collateralized Notes, Series 2021-PIAVF1), dated January 25, 2024, among Citibank, N.A., Nomura Corporate Funding Americas, LLC, loanDepot GMSR Master Trust and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.7 to the Company’s Current Report on Form 8-K filed January 31, 2024). |
| 10.20.4# | Amended and Restated Series 2017-MBSADV1 Indenture Supplement to Third Amended and Restated Base Indenture (MSR Collateralized Notes, Series 2017-MBSADV1), dated January 25, 2024, among Citibank, N.A., Nomura Corporate Funding Americas, LLC, loanDepot GMSR Master Trust and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.5 to the Company’s Current Report on Form 8-K filed January 31, 2024). |
| 10.20.5# | Third Amended and Restated Master Repurchase Agreement, dated January 25, 2024, between loanDepot GMSR Master Trust and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed January 31, 2024). |
| 10.20.6# | Master Repurchase Agreement (loanDepot GMSR Master Trust MSR Collateralized Notes, Series 2017-VF1), dated January 25, 2024, among Nomura Corporate Funding Americas, LLC and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.8 to the Company’s Current Report on Form 8-K filed January 31, 2024). |
| 10.20.7# | Master Repurchase Agreement (loanDepot GMSR Master Trust MSR Collateralized Notes, Series 2021-SAVF1), dated January 25, 2024, among Nomura Corporate Funding Americas, LLC and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.9 to the Company’s Current Report on Form 8-K filed January 31, 2024). |
| 10.20.8# | Master Repurchase Agreement (loanDepot GMSR Master Trust MSR Collateralized Notes, Series 2021-PIAVF1), dated January 25, 2024, among Nomura Corporate Funding Americas, LLC and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.10 to the Company’s Current Report on Form 8-K filed January 31, 2024). |
| 10.20.9# | Third Amended and Restated GMSR Participation Agreement, dated January 25, 2024, between loanDepot.com, LLC, as both the company and initial participant (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed January 31, 2024). |
| 10.20.10# | Guaranty, dated January 25, 2024, made by LD Holdings Group LLC, in favor of Nomura Corporate Funding Americas, LLC (incorporated herein by reference to Exhibit 10.11 to the Company’s Current Report on Form 8-K filed January 31, 2024). |
| 10.20.11# | Series 2025-GT1 Indenture Supplement to the Third Amended and Restated Base Indenture, dated May 28, 2025, among Citibank, N.A., Nomura Corporate Funding Americas, LLC, loanDepot GMSR Master Trust and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed June 2, 2025). |
| 10.20.12# | Amendment No. 1 to the Third Amended and Restated Base Indenture, dated May 28, 2025, among Citibank, N.A., Nomura Corporate Funding Americas, LLC, loanDepot GMSR Master Trust and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.5.1 to the Company’s Quarterly Report filed August 8, 2025). |
| 10.20.13# | Joint Amendment No. 1 to the Third Amended and Restated Master Repurchase Agreement and the Pricing Side Letter, dated May 28, 2025, among Citibank, N.A., Nomura Corporate Funding Americas, LLC, loanDepot GMSR Master Trust and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.5.2 to the Company’s Quarterly Report filed August 8, 2025). |
| 10.20.14# | Series 2025-GT2 Indenture Supplement to the Third Amended and Restated Base Indenture, dated July 23, 2025, among Citibank, N.A., Nomura Corporate Funding Americas, LLC, loanDepot GMSR Master Trust, and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed July 25, 2025). |
| 10.21# | Indenture, dated September 27, 2024, among U.S. Bank National Association, as standby servicer and securities intermediary; U.S. Bank Trust Company, National Association, as indenture trustee and note calculation agent; Mello Warehouse Securitization Trust 2024-1, as issuer; and loanDepot.com, LLC, as servicer (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed September 30, 2024). |
| 10.21.1# | Master Repurchase Agreement, dated September 27, 2024, between Mello Warehouse Securitization Trust 2024-1 and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed September 30, 2024). |
| 10.21.2 | Guaranty, dated September 27, 2024, by LD Holdings Group LLC in favor of Mello Warehouse Securitization Trust 2024-1 (incorporated herein by reference to Exhibit 10.3 to the Company’s Current Report on Form 8-K filed September 30, 2024). |
| 10.22# | Master Repurchase Agreement, dated October 30, 2024, among JPMorgan Chase Bank, National Association, as administrative agent and a buyer; loanDepot JPM Warehouse Facility, LLC, as seller; loanDepot JPM Warehouse Trust, as asset subsidiary; and loanDepot.com, LLC, as guarantor and servicer (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed November 4, 2024). |
| 10.22.1 | Guaranty, dated October 30, 2024, made by loanDepot.com, LLC, in favor of JPMorgan Chase Bank, National Association (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed November 4, 2024). |
| 10.23# | Master Repurchase Agreement, dated November 14, 2024, among Atlas Securitized Products, L.P., as administrative agent and a buyer; Atlas Securitized Products Funding 2, L.P., as a buyer; other buyers party thereto; and loanDepot.com, LLC, as seller (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed November 19, 2024). |
| 10.23.1# | Amendment No. 1 to Master Repurchase Agreement, dated December 20, 2024, among Atlas Securitized Products, L.P., Atlas Securitized Products Funding 2, L.P., and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.28.1 to the Company’s Annual Report on Form 10-K filed March 13, 2025). |
| 10.23.2# | Amendment No. 2 to the Master Repurchase Agreement, dated May 2, 2025, among Atlas Securitized Products, L.P., Atlas Securitized Products Funding 2, L.P., and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.4.1 to the Company’s Quarterly Report on Form 10-Q filed August 8, 2025). |
| 10.23.3#* | Amendment No. 3 to the Master Repurchase Agreement dated November 12, 2025, among Atlas Securitized Products, L.P., Atlas Securitized Products Funding 2, L.P., and loanDepot.com, LLC. |
| 10.24# | Master Repurchase Agreement, dated November 14, 2024, among Atlas Securitized Products, L.P., as administrative agent and a buyer; AGF WHCO 1-A3 LP, as a buyer; other buyers party thereto; and loanDepot.com, LLC, as seller (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed November 19, 2024). |
| 10.24.1# | Amendment No. 1 to Master Repurchase Agreement dated May 2, 2025, among Atlas Securitized Products, L.P., AGF WHCO 1-A3 LP and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.4 to the Company’s Quarterly Report on Form 10-Q filed August 8, 2025). |
| 10.24.2#* | Amendment No. 2 to Master Repurchase Agreement dated November 12, 2025, among Atlas Securitized Products, L.P., AGF WHCO 1-A3 LP and loanDepot.com, LLC. |
| 10.25# | Credit and Security Agreement, dated January 29, 2025, among Atlas Securitized Products, L.P., as administrative agent; Atlas Securitized Products Funding 1, L.P., as lender, and loanDepot.com, LLC, as borrower (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed February 3, 2025). |
| 10.26# | Indenture, dated April 11, 2025, among U.S. Bank National Association, as standby servicer and securities intermediary; U.S. Bank Trust Company, National Association, as indenture trustee and note calculation agent; Mello Warehouse Securitization Trust 2025-1, as issuer; and loanDepot.com, LLC, as servicer (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed April 17, 2025). |
| 10.26.1# | Master Repurchase Agreement dated April 11, 2025, between loanDepot.com, LLC and Mello Warehouse Securitization Trust 2025-1 (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed April 17, 2025). |
| 10.26.2 | Guaranty, dated April 11, 2025, by LD Holdings Group, LLC in favor of Mello Warehouse Securitization Trust 2025-1 (incorporated herein by reference to Exhibit 10.3 to the Company’s Current Report on Form 8-K filed April 17, 2025). |
| 10.27# | Amended and Restated Master Repurchase Agreement and Securities Contract, dated April 25, 2025, among Bank of Montreal, as buyer; loanDepot BMO Warehouse, LLC, as seller; and loanDepot.com, LLC, as guarantor and servicer (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed April 29, 2025). |
| 10.27.1 | Guaranty, dated April 25, 2025, made by loanDepot.com, LLC, in favor of Bank of Montreal (incorporated herein by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed April 29, 2025). |
| 10.27.2# | Amendment No. 1 to Amended and Restated Master Repurchase Agreement and Securities Contract, dated September 15, 2025, between Bank of Montreal, loanDepot BMO Warehouse, LLC, and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.10 to the Company’s Quarterly Report on Form 10-Q filed November 7, 2025). |
| 10.28# | Base Indenture, dated November 14, 2025, among Citibank, N.A., as indenture trustee, calculation agent, paying agent and securities intermediary; Nomura Corporate Funding Americas, LLC, as administrative agent; loanDepot FAMSR Master Trust, as issuer; and loanDepot.com, LLC, as servicer and administrator (incorporated herein by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed November 20, 2025). |
| 10.28.1# | Series 2025-VF1 Indenture Supplement, dated November 14, 2025, among loanDepot FAMSR Master Trust, Citibank, N.A., Nomura Corporate Funding Americas, LLC and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1.1 to the Company’s Current Report on Form 8-K filed November 20, 2025). |
| 10.28.2# | Master Repurchase Agreement, dated November 14, 2025, between loanDepot FAMSR Master Trust and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1.2 to the Company’s Current Report on Form 8-K filed November 20, 2025). |
| 10.28.3# | Series 2025-VF1 Master Repurchase Agreement, dated November 14, 2025, between Nomura Corporate Funding Americas, LLC and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1.3 to the Company’s Current Report on Form 8-K filed November 20, 2025). |
| 10.28.4# | FAMSR Excess Spread Participation Agreement, dated November 14, 2025, between loanDepot.com, LLC, as company and as initial participant (incorporated herein by reference to Exhibit 10.1.4 to the Company’s Current Report on Form 8-K filed November 20, 2025). |
| 10.28.5# | Guaranty, dated November 14, 2025, made by LD Holdings Group, LLC in favor of Nomura Corporate Funding Americas, LLC (incorporated herein by reference to Exhibit 10.1.5 to the Company’s Current Report on Form 8-K filed November 20, 2025). |
| 10.28.6# | Amendment No. 1 to the Base Indenture, dated December 19, 2025, among Citibank, N.A., Nomura Corporate Funding Americas, LLC, loanDepot FAMSR Master Trust and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1.1 to the Company’s Current Report on Form 8-K filed December 29, 2025). |
| 10.28.7# | Series 2025-FT1 Indenture Supplement to the Base Indenture, dated December 19, 2025, among Citibank, N.A., Nomura Corporate Funding Americas, LLC, loanDepot FAMSR Master Trust and loanDepot.com, LLC (incorporated herein by reference to Exhibit 10.1.2 to the Company’s Current Report on Form 8-K filed December 29, 2025). |
| 19.1 | Insider Trading Policy (incorporated herein by reference to Exhibit 19.1 to the Company’s Annual Report on Form 10-K filed March 13, 2025). |
| 21.1* | List of Subsidiaries of loanDepot, Inc. |
| 23.1* | Consent of Ernst & Young LLP |
| 31.1* | Section 302 Certification of Chief Executive Officer |
| 31.2* | Section 302 Certification of Chief Financial Officer |
| 32.1** | Certification of Principal Executive Officer Pursuant to 18 U.S.C. Section 1350 as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. |
| 32.2** | Certification of Principal Financial Officer Pursuant to 18 U.S.C. Section 1350 as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002. |
| 97.1 | loanDepot, Inc. Compensation Recoupment (Clawback) Policy (incorporated herein by reference to Exhibit 97.1 to the Company’s Annual Report on Form 10-K filed March 15, 2024) |
| 101.0 | XBRL Document |
| 101.INS | Inline XBRL Instance Document - the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document |
| 101.SCH | Inline XBRL Taxonomy Extension Schema Document |
| 101.CAL | Inline XBRL Taxonomy Extension Calculation Linkbase Document |
| 101.DEF | Inline XBRL Taxonomy Extension Definition Linkbase Document |
| 101.LAB | Inline XBRL Taxonomy Extension Label Linkbase Document |
| 101.PRE | Inline XBRL Taxonomy Extension Presentation Linkbase Document |
| 104 | Cover Page Interactive Data File (formatted as inline XBRL and contained in Exhibit 101) |
- Filed herewith
** Furnished herewith
Certain portions of this exhibit have been redacted either pursuant to Item 601(a)(5) of Regulation S-K or Item 601(b)(10)(iv) of Regulation S-K. The Company agrees to furnish supplementally an unredacted copy of the exhibit to the Securities and Exchange Commission upon its request.
- Management contract or compensatory plan or arrangement.
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.