loanDepot Inc (NYSE:LDI)

Q3 2025 loanDepot Inc Earnings Call Transcript

Nov 6, 2025 / 10:00 PM GMT

Release Date Price: $2.65 (-5.02%)

Transcript 10-Q8-K

Key Points

Positve

loanDepot Inc (LDI) has made significant leadership changes, including new appointments across origination channels and technology functions, to drive growth and innovation.
The company has initiated a business transformation focused on profitable market share growth, emphasizing execution and strategic positioning.
loanDepot Inc (LDI) reported a 10% increase in pull-through weighted rate locks volume, reaching $7 billion in the third quarter.
The company has increased its servicing fee income from $108 million to $112 million, reflecting growth in its servicing portfolio.
loanDepot Inc (LDI) has a strong cash position, ending the quarter with $459 million, an increase of $51 million from the previous quarter.

Negative

loanDepot Inc (LDI) reported an adjusted net loss of $3 million in the third quarter, although this was an improvement from the previous quarter.
Total expenses increased by $19 million or 6% from the prior quarter, driven by higher volume-related expenses and non-recurring benefits in the previous quarter.
Loan origination volume decreased by 3% from the prior quarter, indicating challenges in maintaining growth in this area.
The company faces market volatility and challenges related to mortgage interest rates, which could impact future performance.
loanDepot Inc (LDI) needs to address upcoming debt maturities and consider capital structure adjustments to support growth.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

LDI.N - Loandepot Inc
Q3 2025 loanDepot Inc Earnings Call
Nov 06, 2025 / 10:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good afternoon and welcome to Loan Depot's 3rd quarter 2025 earnings call.

After the speaker's remarks, there will be a question-and-answer session.

If you would like to ask a question during this time, simply press star, followed by the number one on your telephone keypad.

If you would like to withdraw your question again, press star and 1.

I would now like to turn the call over to Gerhardt or Daley, senior Vice President, Investor relations. Please go ahead.

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Unidentified_2 [2]
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Thank you.

Good afternoon everyone, and

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