{"schema_version":"secwatch.filing_event.v1","accession":"0001831631-26-000025","form_type":"8-K","ticker":"LDI","cik":"0001831631","company_name":"loanDepot, Inc.","filed_at":"2026-03-10T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.431616+00:00","generated_at":"2026-05-15T16:56:52.125626+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"loanDepot Q4 originations $8.04B, highest since 2022; net loss widens to $33M","bullets":["Q4 loan origination volume $8.04B, up 23% QoQ; market share rose to 1.4% from 1.2%.","Q4 net loss $33M vs $9M prior quarter; adjusted EBITDA $29M vs $49M.","Full-year 2025 revenue $1.19B (+12% YoY); net loss improved to $108M from $202M.","Recapture rate improved to 71% from 65% in Q3, reflecting servicing flywheel.","Q1 2026 guidance: pull-through weighted lock volume $7.75-8.75B; GOS margin 270-300 bps."],"urls":{"canonical":"https://secwatch.observer/filing/0001831631-26-000025","json":"https://secwatch.observer/filing/0001831631-26-000025.json","markdown":"https://secwatch.observer/filing/0001831631-26-000025.md","text":"https://secwatch.observer/filing/0001831631-26-000025.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1831631/000183163126000025/0001831631-26-000025-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1831631/000183163126000025/ldi-20260310.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T16:56:52.125626+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"}