{"schema_version":"secwatch.filing_event.v1","accession":"0001831631-23-000073","form_type":"8-K","ticker":"LDI","cik":"0001831631","company_name":"loanDepot, Inc.","filed_at":"2023-03-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:46.911219+00:00","generated_at":"2026-06-18T08:43:20.229511+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"loanDepot Q4 2022 net loss $157.8M; revenue down 76% YoY; FY net loss $610.4M","bullets":["Q4 revenue $169.7M vs $705.0M YoY; net loss $157.8M ($0.46 diluted EPS loss).","Full-year 2022 revenue $1.26B vs $3.72B in 2021; net loss $610.4M vs net income $623.1M.","Exceeded Vision 2025 expense reduction target: $519.3M annualized reduction from Q2 to Q4.","Ended 2022 with $864M cash; total expenses reduced $1.1B (36%) from 2021.","Launched HELOC solution and completed in-house servicing platform transition."],"urls":{"canonical":"https://secwatch.observer/filing/0001831631-23-000073","json":"https://secwatch.observer/filing/0001831631-23-000073.json","markdown":"https://secwatch.observer/filing/0001831631-23-000073.md","text":"https://secwatch.observer/filing/0001831631-23-000073.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1831631/000183163123000073/0001831631-23-000073-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1831631/000183163123000073/ldi-20230308.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-18T08:43:20.229511+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"21c38b8b3493fec29ed294bb360e8962f4cafe2c","claim":"loanDepot, Inc. reported the fourth quarter and year ending December 31, 2022 results: revenue $169,655, net income $(157,762), EPS $(0.46).","evidence_excerpt":"Gain on sale margin (2) 1.45 % 1.80 % 2.23 % 1.63 % 2.61 % Pull through weighted gain on sale margin (3) 2.21 % 2.03 % 2.81 % 1.94 % 3.07 % Financial Results Total revenue $ 169,655 $ 274,192 $ 705,026 $ 1,255,796 $ 3,724,704 Total expense 343,735 435,125 694,133 1,945,773 3,058,187 Net (loss) income (157,762) (137,482) 14,732 (610,385) 623,146 Diluted (loss)","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1831631/000183163123000073/0001831631-23-000073-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter and year ending December 31, 2022"},{"label":"Revenue","value":"$169,655"},{"label":"Net income","value":"$(157,762)"},{"label":"EPS","value":"$(0.46)"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"7472fd567d23f4e543365f73a4bfc21de943a047","claim":"loanDepot, Inc. reported year ended December 31, 2022 results: revenue $1,255,796, net income $(610,385), EPS $(1.75).","evidence_excerpt":"% 1.80 % 2.23 % 1.63 % 2.61 % Pull through weighted gain on sale margin (3) 2.21 % 2.03 % 2.81 % 1.94 % 3.07 % Financial Results Total revenue $ 169,655 $ 274,192 $ 705,026 $ 1,255,796 $ 3,724,704 Total expense 343,735 435,125 694,133 1,945,773 3,058,187 Net (loss) income (157,762) (137,482) 14,732 (610,385) 623,146 Diluted (loss) earnings per share $ (0.46) $","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1831631/000183163123000073/0001831631-23-000073-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"year ended December 31, 2022"},{"label":"Revenue","value":"$1,255,796"},{"label":"Net income","value":"$(610,385)"},{"label":"EPS","value":"$(1.75)"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}