---
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"
generated_at: "2026-05-30T05:27:43.694231+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# loanDepot returns to profitability in Q3 2024; net income $3M vs loss a year ago

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001831631-24-000266
- JSON: https://secwatch.observer/filing/0001831631-24-000266.json
- Plain text: https://secwatch.observer/filing/0001831631-24-000266.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.