loanDepot, Inc.
For the period ended Sep 30, 2026. Filed Nov 9, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Nov 9, 2026
LDI$0.48-9.5%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Cash Flows
| Nine Months EndedSeptember 30, | ||
|---|---|---|
| 2026 | 2025 | |
| CASH FLOWS FROM OPERATING ACTIVITIES | ||
| Net loss | $(90,250) | $(74,704) |
| Adjustments to reconcile net loss to net cash provided by (used in) operating activities: | ||
| Cash provided by (used in) operating activities: | ||
| Depreciation and amortization expense | 18,037 | 20,774 |
| Amortization of operating lease right-of-use asset | 9,070 | 7,955 |
| Amortization of debt discount and debt issuance costs | 21,113 | 18,739 |
| Gain on origination and sale of loans | (550,164) | (528,426) |
| Fair value change in trading securities | 5,738 | (3,113) |
| Provision for loss obligation on sold loans and servicing rights | 16,426 | 6,843 |
| Deferred tax expense (benefit) | 21 | (29,993) |
| Fair value change in derivative assets | (367) | 9,794 |
| Fair value change in derivative liabilities | 18,706 | (12,974) |
| Fair value change in loans held for sale | 65,642 | (36,051) |
| Fair value change in loans held for investment | (1,651) | (3,831) |
| Fair value change in servicing rights | 27,410 | 158,562 |
| Stock-based compensation expense | 17,982 | 7,060 |
| Originations of loans | (22,344,550) | (18,021,887) |
| Proceeds from sales of loans | 24,368,873 | 19,079,417 |
| Proceeds from principal payments on loans held for sale | 61,086 | 52,734 |
| Proceeds from principal payments on loans held for investment | 8,432 | 9,117 |
| Payments to investors for loan repurchases | (703,353) | (748,062) |
| Premiums paid on derivatives | (30,109) | (19,987) |
| Gain on extinguishment of debt | (6,286) | — |
| Disbursements from joint ventures | 4,598 | 3,455 |
| Other changes in operating assets and liabilities | 34,993 | 44,845 |
| Net cash provided by (used in) operating activities | 951,397 | (59,733) |
| CASH FLOWS FROM INVESTING ACTIVITIES | ||
| Purchase of property and equipment | (28,224) | (17,761) |
| Proceeds from sale of servicing rights | 155,675 | 27,087 |
| Cash flows received on trading securities | 4,723 | 4,599 |
| Investments in joint ventures | — | (150) |
| Net cash provided by investing activities | 132,174 | 13,775 |
CONSOLIDATED STATEMENTS OF CASH FLOWS - CONTINUED
| Nine Months EndedSeptember 30, | ||
|---|---|---|
| 2026 | 2025 | |
| CASH FLOWS FROM FINANCING ACTIVITIES | ||
| Proceeds from borrowings on warehouse and other lines of credit | $20,583,776 | $15,859,614 |
| Repayment of borrowings on warehouse and other lines of credit | (21,634,571) | (15,854,036) |
| Proceeds from debt obligations | 249,829 | 1,026,974 |
| Payments on debt obligations | (343,167) | (969,263) |
| Payments of debt issuance costs | (5,677) | (12,577) |
| Treasury stock purchased to net settle and withhold taxes on vested shares | (2,593) | (8,640) |
| Exercise of stock options | 1,040 | 5,690 |
| Refund (payment) of shareholder tax distributions and dividends, net | 309 | (3,153) |
| Net cash (used in) provided by financing activities | (1,151,054) | 44,609 |
| Net change in cash and cash equivalents and restricted cash | (67,483) | (1,349) |
| Cash and cash equivalents and restricted cash at beginning of the period | 401,022 | 527,221 |
| Cash and cash equivalents and restricted cash at end of the period | $333,539 | $525,872 |
| SUPPLEMENTAL DISCLOSURES: | ||
| Cash paid (received) during the period for: | ||
| Interest | $206,570 | $208,221 |
| Income taxes | $(6,757) | $507 |
| Supplemental disclosure of noncash investing and financing activities | ||
| Loans transferred from held for sale to held for investment | $22,824 | $— |
| Loans transferred from held for investment to held for sale | $9,394 | $— |
| Loans transferred from held for investment to real estate owned | $249 | $— |
| Operating leases right-of-use assets obtained in exchange for lease liabilities | $8,552 | $12,197 |
| Cash and cash equivalents and restricted cash reconciliation | ||
| Cash and cash equivalents | $214,413 | $459,161 |
| Restricted cash | 119,126 | 66,711 |
| Total cash and cash equivalents and restricted cash | $333,539 | $525,872 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.