{"schema_version":"secwatch.filing_event.v1","accession":"0001831631-24-000266","form_type":"8-K","ticker":"LDI","cik":"0001831631","company_name":"loanDepot, Inc.","filed_at":"2024-11-05T23:59:59+00:00","discovered_at":"2026-05-14T18:03:09.903872+00:00","generated_at":"2026-05-30T05:27:43.694231+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"loanDepot returns to profitability in Q3 2024; net income $3M vs loss a year ago","bullets":["Revenue $315M (+18% YoY); adjusted revenue $329M (+26%). Pull-through gain on sale margin 329 bps, highest since downturn.","Net income $3M (diluted EPS $0.01) vs net loss $34M (-$0.09) in Q3 2023; adjusted net income $7M vs adjusted net loss $29M.","Adjusted EBITDA $64M vs $15M prior year; cash balance $483M supporting liquidity.","Completed Vision 2025 restructuring; launched Project North Star strategic plan for durable revenue growth and efficiency.","Announced Ridgeland Mortgage JV with Smith Douglas Homes to expand homebuilder partnerships."],"urls":{"canonical":"https://secwatch.observer/filing/0001831631-24-000266","json":"https://secwatch.observer/filing/0001831631-24-000266.json","markdown":"https://secwatch.observer/filing/0001831631-24-000266.md","text":"https://secwatch.observer/filing/0001831631-24-000266.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1831631/000183163124000266/0001831631-24-000266-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1831631/000183163124000266/ldi-20241105.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T05:27:43.694231+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}