loanDepot, Inc. 8-K Filing

Ticker: LDI · Form: 8-K · Filed: 2025-12-29T00:00:00.000Z

Sentiment: neutral

Filing Stats: 910 words · 4 min read · ~3 pages · Grade level 10.6 · Accepted 2025-12-23 18:53:39

Key Financial Figures

Filing Documents

01 Entry into a Material Definitive Agreement

Item 1.01 Entry into a Material Definitive Agreement. On December 19, 2025, loanDepot.com, LLC (the "Company"), an indirect subsidiary of loanDepot, Inc., and the Company's wholly-owned subsidiary loanDepot FAMSR Master Trust (the "Issuer") entered into the Series 2025-FT1 Indenture Supplement (the "Series 2025-FT1 Indenture Supplement"), by and among the Issuer, Citibank, N.A., as indenture trustee, calculation agent, paying agent and securities intermediary (in all such capacities, the "Indenture Trustee"), the Company, as servicer (the "Servicer") and administrator (the "Administrator"), Nomura Corporate Funding Americas, LLC, as administrative agent (the "Administrative Agent"), related to the Base Indenture, dated as of November 14, 2025 (the "Base Indenture"), as amended by Amendment No. 1, dated as of December 19, 2025 ("Amendment No. 1 to the Base Indenture"), by and among the Issuer, the Indenture Trustee, the Servicer, the Administrator, and the Administrative Agent. Amendment No. 1 to the Base Indenture amends the definition of "Borrowing Base Deficiency" among other items. Pursuant to the Series 2025-FT1 Indenture Supplement, the Issuer issued Series 2025-FT1 term notes (the "Notes") in the aggregate principal amount of $200 million. The Notes are mainly secured by a participation certificate representing a participation interest in the portfolio excess spread relating to Fannie Mae mortgage servicing rights owned by the Company. The Notes are priced at a variable rate based on SOFR plus a margin per annum and are expected to mature on December 19, 2030. The Notes will be paid on the 25 th day of each calendar month, or, if such 25 th day is not a business day, the next business day. The Issuer sold the Notes to the initial purchaser in an offering (the "Offering") that was exempt from the registration requirements of the Securities Act of 1933, as amended (the "Securities Act"). The Notes were offered for resale to purchasers reasonably believed by

01 Financial Statements and Exhibits

Item 9.01 Financial Statements and Exhibits. (d) Exhibits. Exhibit No. Description 10.1# Base Indenture, dated November 14, 2025, among Citibank, N.A., as indenture trustee, calculation agent, paying agent and securities intermediary; Nomura Corporate Funding Americas, LLC, as administrative agent; loanDepot FAMSR Master Trust, as issuer; and loanDepot.com, LLC, as servicer and administrator (incorporated herein by reference to Exhibit 10.1 of the Company's Current Report on Form 8-K filed November 20, 2025). 10.1.1*# Amendment No. 1 to the Base Indenture, dated December 19, 2025, among Citibank, N.A., Nomura Corporate Funding Americas, LLC, loanDepot FAMSR Master Trust, and loanDepot.com, LLC. 10.1.2*# Series 2025-FT1 Indenture Supplement, dated December 19, 2025, to the Base Indenture, among Citibank, N.A., Nomura Corporate Funding Americas, LLC, loanDepot FAMSR Master Trust, and loanDepot.com, LLC. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document) # Certain portions of this exhibit have been redacted pursuant to Item 601(b)(10)(iv) of Regulation S-K. * Filed herewith SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. loanDepot, Inc. By: /s/ David Hayes Name: David Hayes Title: Chief Financial Officer Date: December 23, 2025

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