LOANDEPOT INC CLASS A (LDI)
Financials · Non-bank mortgage origination and servicing · NYSE
A digital-first mortgage originator and servicer offering conventional, jumbo, FHA/VA, and home equity lending solutions with a focus on underserved and first-time homebuyers.
What LOANDEPOT INC CLASS A does
loanDepot is a non-bank mortgage lender offering origination and in-house servicing of residential mortgages across multiple channels including direct consumer lending, retail partnerships, and homebuilder joint ventures. The company provides a broad suite of loan products—conventional agency-conforming loans, jumbo mortgages, FHA/VA loans, and home equity products—with a stated mission to increase homeownership accessibility. loanDepot ranked as the fifth largest retail-focused non-bank mortgage originator and ninth largest overall retail originator in 2025, leveraging technology and multi-channel distribution to compete in a market constrained by elevated interest rates and reduced refinance volumes.
Themes: Mortgage origination and servicing, Non-bank mortgage lending, Digital mortgage platforms, First-time homebuyer focus, Home equity lending, Loan servicing / mortgage servicing rights
Fundamentals
- Price$0.893 as of 2026-08-21 close
- Market cap$319M as of 2026-08-24
- 1-year return-52.5% 2025-08-21 close $1.88 → 2026-08-21 close $0.893
- P/En/a negative earnings
- Net margin-5.0% as of 2026-08-24
- Gross margin+81.9% as of 2026-08-24
- ROE-32.3% as of 2026-08-24
- Debt / equity25.16 as of 2026-08-24
- Revenue growth (YoY)+7.3% as of 2026-08-24
- Beta3.11 as of 2026-08-24
- Last reported earnings2026-08-04 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +18.9%; pays a dividend.
How LDI compares in its sector
- net profit marginbottom 10% 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- gross marginmiddle range 176 covered Financials peers, as of 2026-08-24
- return on equitybottom 10% 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldtop 10% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)bottom 10% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Not assessable from available data. LDI paid a dividend in FY2025, but coverage cannot be assessed from the available data (non_positive_net_income, non_positive_free_cash_flow).
- Earnings payoutnot assessable earnings were not positive that year
- Free-cash-flow payoutnot assessable free cash flow was not positive that year
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How LOANDEPOT INC CLASS A looks technically
LOANDEPOT INC CLASS A (LDI) is trading 50.2% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 117 trading days ago — a "death cross", a bearish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 22 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 41, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive). It made a new 20-day low about 9 trading days ago. It is 82.3% below its highest point of the past year. Trading volume is unusually light — only about 38% of its 30-day average.
Trend
8
| Distance from the 200-day | it is trading 50.2% below its 200-day average, the long-term trend line — a long-term downtrend | -50.2% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $1.06 | $1.06 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $1.79 | $1.79 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 9 calendar days ago — the swings before that are what the structure reading is measured on | 9 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 0.825. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a five-part sequence in leg 4. | possible three-wave downward correction, complete (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 117 trading days ago — a "death cross", a bearish long-term signal | 117 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 22 (a reading of 25+ marks a strong trend) | 21.8 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 41, neither overbought (above 70) nor oversold (below 30) | 40.9 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($0.825 to $1.19) — its "stochastic" reading is 19 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 18.6 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 1 trading day ago (its momentum flipped positive) | 1 session |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $5.05 | $5.05 |
|---|---|---|
| From the 52-week high | it is 82.3% below its 52-week high (its highest price of the past year) | -82.3% |
| Above the 52-week low | it is 8.2% above its 52-week low (its lowest price of the past year) | +8.2% |
| Below the 52-week high | it is 82.3% below its highest point of the past year | 82.3% |
| Since a 20-day breakout | it made a new 20-day low about 9 trading days ago | 9 sessions |
| Since a 55-day breakout | it made a new 55-day low about 9 trading days ago | 9 sessions |
| All-time high | its highest closing price on record is $26.11 (set on 2021-03-02) | $26.11 |
| Given back of the 52-week move | over the past year its closes ranged ($0.853 to $4.56), and it has recovered essentially none of its fall from last year’s high — 1% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $3.14 to $3.26. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 1.1% |
| From the all-time high | it is 96.6% below its all-time high | -96.6% |
| Nearest price level | it is trading 22.6% below a resistance level at $1.09 — a price it turned at twice since 2026-06-11, most recently on 2026-06-23. Since 2024-08-21 it has 0 such levels below the current price and 12 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +22.6% |
| All-time low | its lowest closing price on record is $0.825 (set on 2026-08-12) | $0.825 |
| Above the all-time low | it is 8.2% above its all-time low | +8.2% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 63rd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.071 between its high and its low — about 8.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.071 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $0.8 and $1.09 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $0.8 – $0.95 – $1.09 |
| Typical daily range (% of price) | its price moves about 8.0% in a typical session — more volatile than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 8.0% |
| Stretch from the 200-day average | it is trading 12.7 daily ranges below its 200-day average price (50.2% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 12.7 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 38% of its 30-day average | 0.38× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 1 session ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 1 session ago |
|---|---|---|
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.3% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.3% |
|---|---|---|
| Gap filled | a 2.6% gap up opened on 2026-08-19 has been "filled" 1 session ago — price traded back through the level the gap left behind, and it took 1 session to close | 1 session ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 17.3 percentage points (the stock lost 15.0% while the market gained 2.3%) | -17.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 31.7 percentage points (the stock lost 28.6% while the market gained 3.1%) | -31.7% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 66.9 percentage points (the stock lost 55.8% while the market gained 11.1%) | -66.9% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 73.0 percentage points (the stock lost 52.5% while the market gained 20.5%) | -73.0% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: MACD momentum is positive, near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 24% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thick, spanning 21.3% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | -24.3% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 48% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $1.72 — a volume-weighted average of daily closes over 155 sessions, not a true tick-by-tick VWAP. | -48.2% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-08-04 (its 8-K), so the typical buyer over that stretch is under water. That average is $0.924 — a volume-weighted average of daily closes over 14 sessions, not a true tick-by-tick VWAP. | -3.4% |
Price levels it has turned at before
LDI last closed at $0.893 on 2026-08-21. Since 2024-08-21 it has turned at 0 prices below its last close and 12 above; the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $1.09 | Resistance | 22.6% above the last close | turned there twice · 2026-06-11 to 2026-06-23 |
| $1.19 | Resistance | 33.3% above the last close | turned there three times · 2025-06-04 to 2026-08-04 |
| $1.23 | Resistance | 37.2% above the last close | turned there twice · 2025-04-23 to 2025-06-30 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $0.825.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
Alternate reading: The same swings also read as a five-part sequence in leg 4, which fails on a close above $0.927.
This reading has stood for 2 trading days, since 2026-08-20.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Pulled back from the 12-month high · MACD just crossed bullish (12/26/9) · lagging the market · Printed a bullish engulfing pair · Most volatile (6%+ typical daily range) | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingUnderperform (3.75 mean, 1=Strong Buy…5=Strong Sell) — 2 analysts
- Mean price target$1.13 range $1.00 – $1.25
Analyst estimates, as of 2026-08-22. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for LDI
- Consensus EPS estimate$0.01 next reporting period, as of 2026-08-22
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Elevated mortgage interest rates and reduced refinance volumes due to geopolitical risks and inflation—the company noted 30-year fixed mortgage rates remained above 6% throughout 2025, constraining origination volumes and borrower qualification despite Federal Reserve rate reductions.","Structural market headwinds from \"lock-in effect\" of prior-year borrowers, resulting in limited home supply and reduced demand for refinancing, directly shrinking addressable mortgage origination volumes.","Current unprofitability with negative net margin (-4.96%) and material net losses ($37.5M in Q1 2026) despite 7.3% revenue growth, indicating operational efficiency challenges in a high-cost origination environment."]
What changed in the latest 10-Q
AI-assisted comparison of LDI's 10-Q filed 2026-05-07 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Added paragraph describing April 2026 partnership with Figure Technology Solutions for digital transformation
- Added description of 5x5 HomeLoan product powered by Figure with five-minute approval and five-day funding
- Added statement about expected benefits: lower cost of production, improved customer experience, faster loan closing, and profitable market share growth
- Added 'closed-end seconds' as a type of financing opportunity in the interest rate discussion paragraph
- Removed:
- Removed entire paragraph about Vision 2025 strategic plan launched in July 2022 and its completion in 2024
- Removed discussion of current strategy built on Vision 2025 pillars regarding lifetime lending partner, mortgage reach, servicing portfolio growth, and low touch processing
- Removed reference to 'Beginning in early 2022' through late 2024 Federal Reserve rate actions and September 2025 rate reduction
- Removed discussion of uncertainty surrounding governmental actions including tariffs, trade regulations, governmental spending, and impacts on long-term interest rates
- Removed statement about sustained elevated mortgage rates adversely impacting origination volumes and purchase transaction supply
- Reworded:
- Reference year changed from '2024 Form 10-K' (older) to '2025 Form 10-K' (newer)
- Replaced extended discussion of rate environment history with simpler statement: 'During the first quarter of 2026, mortgage rates remained elevated partly due to geopolitical tensions stemming from the conflict in Iran and higher energy prices driving inflation concerns'
- Notes:
- The older filing text appears truncated at the end of the Loan Origination and Sales section, limiting full comparison of that section
- Comparison reflects substantive content shifts rather than minor editorial revisions
Risk Factors
- Added:
- Newer filing includes Class B common stock (106,207,433 shares issued at March 31, 2026) with par value $0.001
- Newer filing shows conversion of Class D common stock to Class B common stock pursuant to Amended and Restated Certificate of Incorporation
- Newer filing reports derivative assets of $70,076 thousand at March 31, 2026 vs. $54,582 thousand at September 30, 2025 in older filing
- Newer filing includes 'Loans eligible for repurchase' asset line of $1,344,573 thousand at March 31, 2026
- Newer filing shows three-month period comparison for March 31, 2026 vs. March 31, 2025 (vs. older filing's nine-month and three-month data for September 2025)
- Removed:
- Older filing included Class B common stock showing zero issued shares; newer filing shows Class B stock now issued
- Older filing included Class C and Class D common stock with significant shares outstanding at September 30, 2025; newer filing shows zero shares of each at March 31, 2026
- Older filing presentation included nine-month ended September 30 comparison data; newer filing shows only three-month comparison
- Reworded:
- Balance sheet dates changed from 'September 30, 2025 and December 31, 2024' (older) to 'March 31, 2026 and December 31, 2025' (newer)
- Statement of operations comparison periods changed from 'Three Months Ended September 30, 2025 and 2024' with nine-month data (older) to 'Three Months Ended March 31, 2026 and 2025' only (newer)
- Equity statement now reflects conversion activity with line item 'Conversion pursuant to Amended and Restated Certificate of Incorporation' converting Class D and Class C to Class B and Class A respectively
- Notes:
- The two filings cover different reporting periods (Q1 2026 vs. Q3 2025), making period-to-period comparisons not directly comparable
- Financial statement line items and values differ due to different reporting dates and periods, not necessarily due to Risk Factors section changes
- The older filing excerpt was truncated mid-line in the cash flow statement; full comparison of that section not possible
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for LDI — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding LDI as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 13,179,864
- Reported value $18,715,408
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
LDI had 17,538,015 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for LDI because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 17,538,015
- Prior settlement (shares) 17,818,299
- Reported change -1.57%
- Days to cover (reported) 6.89
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Rocket Companies (RKT)
- Better.com
- Guaranteed Rate
- UWM Holdings (UWMC)
- Guild Mortgage Company
- PennyMac Loan Services (PFSI)
- Flagstone Financial
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does LOANDEPOT INC CLASS A (LDI) do?
loanDepot is a non-bank mortgage lender offering origination and in-house servicing of residential mortgages across multiple channels including direct consumer lending, retail partnerships, and homebuilder joint ventures. The company provides a broad suite of loan products—conventional agency-conforming loans, jumbo mortgages, FHA/VA loans, and home equity products—with a stated mission to increase homeownership accessibility.
What sector is LOANDEPOT INC CLASS A (LDI) in?
LOANDEPOT INC CLASS A (LDI) is classified in the Financials sector. Its industry is Non-bank mortgage origination and servicing. It trades on NYSE.
Does LDI pay a dividend?
Yes — LOANDEPOT INC CLASS A (LDI) pays a dividend, with an indicated yield of about 18.93% (market data, as of 2026-08-24). Informational only — not financial advice.
Who are LOANDEPOT INC CLASS A's (LDI) competitors?
Notable peers of LOANDEPOT INC CLASS A (LDI) include Rocket Companies, Better.com, Guaranteed Rate, UWM Holdings and Guild Mortgage Company. This peer set is informational only — not financial advice.
Is LOANDEPOT INC CLASS A (LDI) overbought or oversold right now?
LOANDEPOT INC CLASS A (LDI) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 41, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on LDI come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.