--- schema_version: "secwatch.filing_event.v1" accession: "0001831631-26-000052" form_type: "8-K" ticker: "LDI" cik: "0001831631" company_name: "loanDepot, Inc." filed_at: "2026-04-30T23:59:59+00:00" generated_at: "2026-05-15T01:05:25.002675+00:00" event_type: "debt" sentiment: "neutral" materiality_score: 0.55 calibrated_materiality_score: 0.55 confidence: "high" source: SEC EDGAR --- # loanDepot closes $500M warehouse securitization, replaces prior $300M facility ## Summary - $500M MWST 2026-1 notes issued, backed by newly originated first-lien residential mortgage loans (Fannie/Freddie/Ginnie or jumbo guidelines). - Notes bear interest at 30-day Term SOFR plus margin; terminate April 2029 (earlier if prepaid or default). - Prior 2024-1 facility ($300M) fully prepaid and terminated without penalties; no borrowings outstanding. - LD Holdings Group provides guaranty under separate agreement. ## SEC filing metadata - accession: 0001831631-26-000052 - form_type: 8-K - ticker: LDI - cik: 0001831631 - company_name: loanDepot, Inc. - filed_at: 2026-04-30T23:59:59+00:00 - event_type: debt - sentiment: neutral - materiality_score: 0.55 - calibrated_materiality_score: 0.55 - confidence: high - sec_items: 1.01, 1.02, 2.03, 9.01 - EDGAR index: https://www.sec.gov/Archives/edgar/data/1831631/000183163126000052/0001831631-26-000052-index.htm - EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1831631/000183163126000052/ldi-20260427.htm ## Machine-readable alternates - HTML: https://secwatch.observer/filing/0001831631-26-000052 - JSON: https://secwatch.observer/filing/0001831631-26-000052.json - Plain text: https://secwatch.observer/filing/0001831631-26-000052.txt ## Source-grounded claims - claim_id: 58f187e3cf1bf445ea9f9ae98ac3b3317ac6e0e9 claim: loanDepot, Inc. incurred senior notes of $500 million with U.S. Bank Trust Company, National Association at 30-day Term SOFR plus a margin maturing the earlier of (i) April 24, 2029, (ii) upon loanDepot exercising its right to optional prepayment in full or (iii) upon an event of default which results in th. evidence_excerpt: the Trust issued $500 million of notes (the “MWST Notes”) evidence_url: https://www.sec.gov/Archives/edgar/data/1831631/000183163126000052/0001831631-26-000052-index.htm - claim_id: 70cdd68ff54c34b12b614973d12a20da8f844088 claim: loanDepot, Inc. incurred guarantee with Mello Warehouse Securitization Trust 2026-1. evidence_excerpt: loanDepot’s obligations under the Master Repurchase Agreement are guaranteed by LD Holdings Group, LLC evidence_url: https://www.sec.gov/Archives/edgar/data/1831631/000183163126000052/0001831631-26-000052-index.htm - claim_id: 19130c82f84c7a84f4d501439cece434961653df claim: loanDepot, Inc. entered into Guaranty with Mello Warehouse Securitization Trust 2026-1 valued at guarantee of loanDepot’s obligations under the Master Repurchase Agreement (effective 2026-04-27). evidence_excerpt: loanDepot’s obligations under the Master Repurchase Agreement are guaranteed by LD Holdings Group, LLC, a subsidiary of the Company, under a separate guaranty in favor of the Trust, dated as of April 27, 2026 (the “Guaranty”). evidence_url: https://www.sec.gov/Archives/edgar/data/1831631/000183163126000052/0001831631-26-000052-index.htm - claim_id: 1a3efd111e4dc7cc0a14939e791ee7dd1c22d765 claim: loanDepot, Inc. terminated 2024-1 Securitization Facility with Mello Warehouse Securitization Trust 2024-1 valued at $300 million of notes terminated; no borrowings outstanding; no termination penalties incurred (effective 2026-04-27). evidence_excerpt: On April 27, 2026, in connection with the anticipated consummation of the Mello Warehouse Securitization Trust 2026-1 transaction, loanDepot exercised its right to prepay in full its 2024-1 Securitization Facility (as defined below) and terminated (a) its Master Repurchase Agreement, dated as of September 27, 2024 (the “2024-1 MRA”), between Mello Warehouse Securitization Trust 2024-1 (“MWST 2024-1”), as buyer, and loanDepot, as seller; (b) its Indenture, dated as of September 27, 2024 (the “2024-1 Indenture”), between MWST 2024-1, as issuer, loanDepot, as servicer, and U.S. Bank Trust Company, National Association, as indenture trustee and note calculation agent, and U.S. Bank National Association, as standby servicer and initial securities intermediary; and (c) certain ancillary agreements (together with the 2024-1 Indenture and the 2024-1 MRA, the “2024-1 Securitization Facility”). evidence_url: https://www.sec.gov/Archives/edgar/data/1831631/000183163126000052/0001831631-26-000052-index.htm - claim_id: 218289fac317dfd57a380428cd56b29a641fe9e9 claim: loanDepot, Inc. entered into Indenture with Mello Warehouse Securitization Trust 2026-1 valued at $500 million of notes (effective 2026-04-27). evidence_excerpt: On April 27, 2026, Mello Warehouse Securitization Trust 2026-1 (the “Trust”) and loanDepot.com, LLC (“loanDepot”), both indirect subsidiaries of loanDepot, Inc. (the “Company”) entered into an Indenture with U.S. Bank Trust Company, National Association, as indenture trustee and note calculation agent, and U.S. Bank National Association, as standby servicer and initial securities intermediary (the “Indenture”). evidence_url: https://www.sec.gov/Archives/edgar/data/1831631/000183163126000052/0001831631-26-000052-index.htm - claim_id: 2acb6c196a22d26ec9131f161f6dc304df5482c3 claim: loanDepot, Inc. entered into Master Repurchase Agreement with Mello Warehouse Securitization Trust 2026-1 valued at backed by a revolving warehouse line of credit, secured by newly originated, first-lien, fixed rate (effective 2026-04-27). evidence_excerpt: loanDepot’s obligations under the Master Repurchase Agreement are guaranteed by LD Holdings Group, LLC, a subsidiary of the Company, under a separate guaranty in favor of the Trust, dated as of April 27, 2026 (the “Guaranty”). evidence_url: https://www.sec.gov/Archives/edgar/data/1831631/000183163126000052/0001831631-26-000052-index.htm This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.