Financial Data and Key Metrics Changes - The company reported total revenue of $780 million for Q2 2021, a decrease of 41% from the first quarter of 2021 [14] - Diluted earnings per share were $0.07, while adjusted diluted earnings per share were $0.18, reflecting lower loan origination volumes and gain-on-sale margins [14] - Loan origination volume was $34.5 billion, a decrease of 17% from Q1 2021 [14] - Adjusted EBITDA was $109.3 million, and net income was $26.3 million, down from $458.1 million and $427.9 million in Q1 2021 [17] Business Line Data and Key Metrics Changes - Retail channel accounted for 81% of loan originations, while partner channel accounted for 19% [15] - Purchased loan originations were $10.4 billion, and refinance loan originations were $24.1 billion during the quarter [15] - Rate lock volume for Q2 was $42.1 billion, contributing to the total revenue of $780 million [15] Market Data and Key Metrics Changes - The company's market share grew from 2.3% to 3.3% over the past year, indicating successful market penetration [9] - The unpaid principal balance of the servicing portfolio grew to a record level of $138.8 billion as of June 30, 2021, compared to $129.7 billion in Q1 2021 [16] Company Strategy and Development Direction - The company aims to expand its offerings beyond mortgage services to include a bundled service approach through the loanDepot Grand Slam, which integrates various real estate services [12][13] - The strategy focuses on leveraging technology and data science to enhance customer acquisition and operational efficiency [10][12] - The company is committed to increasing its market share and brand recognition while navigating competitive pressures in the mortgage industry [10][22] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the company's ability to gain market share despite headwinds in the mortgage market, citing a diversified origination model as a competitive advantage [7][10] - The company expects rate lock volume for Q3 to be between $44 billion and $54 billion, with loan origination volume projected between $30 billion and $36 billion [18] - Management highlighted the importance of maintaining a strong customer relationship, with a recapture rate of 75% for organic refinance consumers [17] Other Important Information - The company has implemented cost-cutting initiatives, resulting in a 14% decrease in total expenses from Q1 2021 [16] - The loanDepot Grand Slam is set to launch on October 1, 2021, offering bundled services to enhance customer experience [62] Q&A Session Summary Question: How have gain-on-sale margins progressed throughout Q2 into July? - Management noted a recovery in June and July, with guidance for gain-on-sale margins between 245 and 295 basis points [25] Question: How is consumer response to lower rates and potential refi burnout? - Management observed an increase in refinance demand due to lower interest rates and a shift in marketing focus towards non-rate-sensitive consumers [26] Question: Can you discuss competitive trends in the retail channel? - Management indicated that they are seeing the ability to hold margins in the retail channel, with a significant increase in purchase volume [30][31] Question: How is market share evolving in the current environment? - Management reported a 110% growth in volume year-to-date and emphasized the importance of a diversified origination strategy [37] Question: What are the plans for cash usage and shareholder returns? - Management is focused on capital allocation for growth, M&A opportunities, and maintaining a quarterly dividend [68] Question: Can you clarify the Grand Slam package details? - The Grand Slam will offer a free home warranty and a $7,000 cash rebate to consumers, enhancing the bundled service offering [62][78]

LOANDEPOT, INC. (NYSE: LDI) Q1 2021 EARNINGS PRESENTATION May 2021 loan bepot DISCLAIMER Forward-Looking Statements This presentation contains forward-looking statements, which reflect our current views with respect to, among other things, our operations and financial performance. You can identify these statements by the use of words such as "outlook," "potential," "continue," "may," "seek," "approximately," "predict," "believe," "expect," "plan," "intend," "estimate" or "anticipate" and similar expressions ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Address of principal executive offices) (Zip Code) (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____to _____ Commission File Number: 001-40003 loanDepot, Inc. (Exact Name of Registrant as Specified in ...

loanDepot, Inc. (NYSE: LDI) Q1 2021 Earnings Conference Call May 3, 2021 11:00 AM ET Company Participants Nicole Carrillo - Executive Vice President, Chief Accounting Officer Anthony Hsieh - Founder, Chairman & Chief Executive Officer Patrick Flanagan - Chief Financial Officer Jeff DerGurahian - Chief Capital Markets Officer John Lee - Chief Analytics Officer Jeff Walsh - Chief Revenue Officer Conference Call Participants Brian Nash - Goldman Sachs Bob Napoli - William Blair Brock Vandervliet - UBS Kevin Ba ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _____to _____ Commission File Number: 001-40003 loanDepot, Inc. (Exact Name of Registrant as Specified in Its Charter) Trading Symbol Name of each exchange on whic ...