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]

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 ...