loanDepot, Inc.

There have been no material changes in the risk factors discussed under Part I. "Item 1A. Risk Factors" of our 2025 Form 10-K filed with the SEC on March 12, 2026.

For the three months ended March 31, 2026, shares of the Company's Class B common stock or Class C common stock could each be converted, together with a corresponding Holdco Unit, as applicable, at any time and from time to time at the option of the holder of such share of Class B common stock or Class C common stock, as applicable, for one fully paid and non-assessable share of Class A common stock. Each share of the Company’s Class D common stock could be converted into one fully paid and non-assessable share of Class A common stock at any time at the option of the holder of such share of Class D common stock. There was no cash or other consideration paid by the holder converting such shares and, accordingly, there was no cash or other consideration received by the Company. The shares of Class A common stock issued by the Company in such conversions are exempt from registration pursuant to Section 3(a)(9) of the Securities Act.

On January 2, 2026, we issued to stockholders 1,307,649 shares of Class A common stock upon the conversion of the same number of shares of our Class C common stock and corresponding Holdco Units held by such stockholders.

On February 11, 2026, pursuant to the Company’s Amended and Restated Certificate of Incorporation dated February 11, 2021, we issued to stockholders 97,026,671 shares of Class A common stock upon the conversion of the same number of shares of our Class D common stock, and we issued to stockholders 106,207,433 shares of Class B common stock upon the conversion of the same number of shares of our Class C common stock and corresponding Holdco Units held by such stockholders. All outstanding Class C and Class D shares converted automatically and without further action on the part of the Company or any holder of Class C or Class D common stock. The shares of Class A common stock and Class B common stock issued by the Company in such automatic conversions were exempt from registration pursuant to Section 3(a)(9) of the Securities Act.

Not applicable.

Not applicable.