LDI

loanDepot, Inc.

6 filings tracked

financialsmortgage lendingSMALL ($300M-2B)

Signal Magnitude Chart

bullish

bearish

neutral

Signal Timeline

bearishMay 7

Net loss widened by 35% year-over-year to $54.9 million.

earnings miss

70%

bearishMay 7

Pull-through weighted gain on sale margin dropped 84 basis points to 2.71%.

margin compression

80%

neutralMay 7

Increased reliance on warehouse lines of credit to $3.02 billion to fund volume growth.

capital raise

40%

bearishMay 7

Net loss widened by 35% year-over-year to $54.9 million.

earnings miss

70%

bearishMay 7

Pull-through weighted gain on sale margin dropped 84 basis points to 2.71%.

margin compression

80%

neutralMay 7

Increased reliance on warehouse lines of credit to $3.02 billion to fund volume growth.

capital raise

40%

bearishMay 7

Net loss widened by 35% year-over-year to $54.9 million.

earnings miss

70%

bearishMay 7

Pull-through weighted gain on sale margin dropped 84 basis points to 2.71%.

margin compression

80%

neutralMay 7

Increased reliance on warehouse lines of credit to $3.02 billion to fund volume growth.

capital raise

40%

bearishMay 7

Net loss widened by 35% year-over-year to $54.9 million.

earnings miss

70%

bearishMay 7

Pull-through weighted gain on sale margin dropped 84 basis points to 2.71%.

margin compression

80%

neutralMay 7

Increased reliance on warehouse lines of credit to $3.02 billion to fund volume growth.

capital raise

40%

bearishMay 7

Net loss widened by 35% year-over-year to $54.9 million.

earnings miss

70%

bearishMay 7

Pull-through weighted gain on sale margin dropped 84 basis points to 2.71%.

margin compression

80%

neutralMay 7

Increased reliance on warehouse lines of credit to $3.02 billion to fund volume growth.

capital raise

40%

bearishMay 7

Net loss widened by 35% year-over-year to $54.9 million.

earnings miss

70%

bearishMay 7

Pull-through weighted gain on sale margin dropped 84 basis points to 2.71%.

margin compression

80%

neutralMay 7

Increased reliance on warehouse lines of credit to $3.02 billion to fund volume growth.

capital raise

40%

Filing History

10-QMay 7, 2026

The Q1 2026 filing presents a company at a crossroads, balancing an aggressive growth trajectory against a backdrop of shrinking margins and rising leverage. The massive increase in loan originations demonstrates strong market demand and execution, but the accompanying slide in gain-on-sale margins suggests that this growth is coming at a high cost. The net result is a widening loss that offsets the top-line revenue gains. Investors must weigh the potential of the Figure partnership to radically reduce operational drag against the immediate risks of a debt-heavy balance sheet and interest rate sensitivity. While the company remains in compliance with all financial covenants and maintains significant warehouse capacity, the transition from a high-cost acquisition model to a high-efficiency digital platform is the critical path to sustainability. The overall impact of the filing is a high-beta bet on the company's ability to digitize its way out of a margin squeeze before liquidity pressures mount.