loanDepot, Inc. — Director's Dealing 2025

Jan 2, 2025

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: loanDepot, Inc. (LDI)
CIK: 0001831631
Period of Report: 2024-12-31

Reporting Person: Martell Frank (Director, CEO and President)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2024-12-31	Class A Common Stock	M	312290	—	Acquired	794879	Direct
2024-12-31	Class A Common Stock	F	158269	$2.04	Disposed	636610	Direct

Derivative Transactions

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2024-12-31	Performance Share Units	$	M	312290	Disposed		Class A Common Stock (312290)	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Class A Common Stock	386846	Indirect
Class A Common Stock	417952	Indirect

Footnotes

F1: Each performance share unit ("PSU") represents a contingent right to receive one share of Issuer's Class A Common Stock upon satisfaction of the applicable vesting conditions.

F2: As trustee, Mr. Martell has voting and investment power over the assets of the Frank D. and Donna M. Martell Family Trust, Est. 8/17/20

F3: As trustee, Mr. Martell has voting and investment power over the assets of the 2024 trust ("2024 Trust," formerly referred to as the 2024 GRAT).

F4: The PSUs are scheduled to vest (or have vested) if the average closing price of the Class A Common Stock over any 30-consecutive trading day period prior to the 5th anniversary of the grant date equals or exceeds the following share prices: (i) <$3.00 share price - 0% of target PSUs that vest; (ii) $3.00 share price - 25% of target PSUs that vest (vested 12/31/24); (iii) $4.00 share price - 50% of target PSUs that vest; (iv) $5.00 share price - 75% of target PSUs that vest; (v) $6.00 share price - 100% of target PSUs that vest; (vi) $7.50 share price - 125% of target PSUs that vest; (vii) $9.00 share price - 150% of target PSUs that vest; (viii) $10.50 share price - 175% of target PSUs that vest; and (ix) $13.00 share price - 200% of target PSUs that vest. Any PSUs which have not become earned by August 16, 2028 will be forfeited.