{"schema_version":"secwatch.filing_event.v1","accession":"0001831631-23-000343","form_type":"8-K","ticker":"LDI","cik":"0001831631","company_name":"loanDepot, Inc.","filed_at":"2023-12-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:30.846981+00:00","generated_at":"2026-06-07T08:13:32.620022+00:00","sec_items":["1.01","9.01"],"event_type":"debt","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"LoanDepot ups borrowing capacity to $540M, extends credit line to Dec 2024, adds Capital One","bullets":["Amendment One to Flagstar credit agreement increases facility to $540M and extends termination to December 20, 2024.","Capital One, National Association added as a lender via Joinder to the credit agreement.","Amendment Five to BMO repurchase agreement now permits financing of scratch and dent residential mortgage loans.","Existing lenders include Flagstar, Western Alliance, Bank of Hope, and Capital One."],"urls":{"canonical":"https://secwatch.observer/filing/0001831631-23-000343","json":"https://secwatch.observer/filing/0001831631-23-000343.json","markdown":"https://secwatch.observer/filing/0001831631-23-000343.md","text":"https://secwatch.observer/filing/0001831631-23-000343.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1831631/000183163123000343/0001831631-23-000343-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1831631/000183163123000343/ldi-20231219.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-07T08:13:32.620022+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":"12f7b4aa4f178a6be3dffe5ceee9930ec60641a4","claim":"loanDepot, Inc. amended Amendment Number Five to Master Repurchase and Securities Agreement with Bank of Montreal with Bank of Montreal valued at amended BMO MRA to permit financing of certain scratch and dent residential mortgage loans (effective 2023-12-20).","evidence_excerpt":"On December 20, 2023, the Company, as seller, entered into Amendment Number Five (“Amendment Five”) to the Master Repurchase Agreement and Securities Contract, dated as of September 23, 2021 (the “BMO MRA”), with Bank of Montreal, a Canadian Chartered bank acting through its Chicago Branch, as buyer (“BMO”), pursuant to which the Company may sell to BMO, and later repurchase, certain residential mortgage loans.","evidence_source":"SEC 8-K Item 1.01/1.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1831631/000183163123000343/0001831631-23-000343-index.htm","confidence":0.95,"family_label":"Material Agreements","details":[{"label":"Action","value":"amendment"},{"label":"Agreement","value":"credit facility"},{"label":"Counterparty","value":"Bank of Montreal"},{"label":"Value","value":"amended BMO MRA to permit financing of certain scratch and dent residential mortgage loans"},{"label":"Effective","value":"2023-12-20"}],"fact_type":"material_agreement"},{"claim_id":"e04b21024b62b4b3dbf594987f2027ff0dafe9c5","claim":"loanDepot, Inc. entered into Joinder to the Amended and Restated Credit Agreement with Flagstar Bank, National Association with Capital One, National Association valued at added Capital One, National Association as a Lender (effective 2023-12-19).","evidence_excerpt":"On December 19, 2023, the Company, as borrower, entered into the Joinder (the “Joinder”) to the Credit Agreement with the Administrative Agent on behalf of the Lenders.","evidence_source":"SEC 8-K Item 1.01/1.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1831631/000183163123000343/0001831631-23-000343-index.htm","confidence":0.9,"family_label":"Material Agreements","details":[{"label":"Action","value":"entry"},{"label":"Agreement","value":"credit facility"},{"label":"Counterparty","value":"Capital One, National Association"},{"label":"Value","value":"added Capital One, National Association as a Lender"},{"label":"Effective","value":"2023-12-19"}],"fact_type":"material_agreement"},{"claim_id":"ebf9ad35161e0d63355baa42ccd6480f601e6e12","claim":"loanDepot, Inc. amended Amendment Number One to the Amended and Restated Credit and Security Agreement with Flagstar Bank, National Association valued at extend termination date to December 20, 2024 and increase amount available to $540 million (effective 2023-12-19).","evidence_excerpt":"On December 19, 2023, loanDepot.com, LLC, a Delaware limited liability company and an indirect subsidiary of loanDepot, Inc, as borrower (the “Company”), entered into Amendment Number One (“Amendment One”) to the Amended and Restated Credit and Security (the “Credit Agreement”), dated as of June 30, 2023, with Flagstar Bank, National Association, as administrative agent on behalf of the lenders (the “Administrative Agent”), and Flagstar Bank, National Association, as a lender and the other lenders party thereto (collectively, the “Lenders”), pursuant to which the Lenders provide the Company with a revolving line of credit secured by certain of the Company’s mortgage servicing rights under the servicing agreement with Freddie Mac and other collateral listed therein.","evidence_source":"SEC 8-K Item 1.01/1.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1831631/000183163123000343/0001831631-23-000343-index.htm","confidence":0.95,"family_label":"Material Agreements","details":[{"label":"Action","value":"amendment"},{"label":"Agreement","value":"credit facility"},{"label":"Counterparty","value":"Flagstar Bank, National Association"},{"label":"Value","value":"extend termination date to December 20, 2024 and increase amount available to $540 million"},{"label":"Effective","value":"2023-12-19"}],"fact_type":"material_agreement"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}