Stock events for loanDepot, Inc. (LDI)
In the six months leading up to September 22, 2025, loanDepot's stock experienced significant gains, but Q2 2025 results revealed a revenue shortfall and declining gain-on-sale margins. Despite this, loan origination volume increased, and net losses narrowed. Insider selling occurred, but September 2025 saw reports of increased beneficial ownership. October 2025 brought stock fluctuations and changes in analyst ratings, with short interest increasing. The company announced its Q3 2025 financial results for November 6, 2025, and Rick Calle returned to lead Strategy and Revenue Operations.
Demand Seasonality affecting loanDepot, Inc.’s stock price
Demand for loanDepot's products and services is subject to seasonal fluctuations. The housing market typically experiences lower transaction volumes during holiday seasons, resulting in softer mortgage revenue in the fourth quarter.
Overview of loanDepot, Inc.’s business
loanDepot, Inc. is a non-bank retail mortgage lender in the United States that uses technology to streamline home financing. Its primary business is mortgage lending, offering conventional, FHA, VA, and jumbo loans, as well as refinancing options and home equity lines of credit. The company also provides unsecured personal loans and ancillary services, including settlement, real estate, and insurance services. loanDepot was founded in 2010 and is headquartered in Irvine, California.
LDI’s Geographic footprint
loanDepot has a nationwide lending network with a presence in all 50 U.S. states. A substantial portion of its mortgage loan originations is concentrated in California, Florida, and Texas. The company's mortgage loan servicing rights portfolio also has a significant presence in California, Florida, Texas, Virginia, Washington, and New York.
LDI Corporate Image Assessment
loanDepot's brand reputation has been impacted by a ransomware cyberattack in January 2024, which compromised the personal information of approximately 16.6 million customers, leading to significant expenses. In October 2025, loanDepot filed a lawsuit against West Capital Lending Inc., alleging employee raiding, data theft, and misclassification of loan originators.
Ownership
loanDepot, Inc. has a mixed ownership structure including institutional, retail, and individual investors. Major institutional owners include Vanguard Group Inc, BlackRock, Inc., Philosophy Capital Management LLC, Knightsbridge Asset Management, Llc, Geode Capital Management, Llc, Charles Schwab Investment Management Inc, Wolverine Asset Management Llc, Dimensional Fund Advisors LP, Cullen Capital Management LLC, Continental Advisors LLC, Bank of America Corp DE, MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd., Invesco Ltd., JPMorgan Chase & Co., Capstone Financial Advisors Inc., Envestnet Asset Management Inc., Goldman Sachs Group Inc., Point72 Asset Management L.P., and D. E. Shaw & Co. Inc. PCP Managers, L.P., a private equity firm, is also a significant shareholder. The largest individual shareholder is Anthony Li Hsieh.
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