What are the terms of the performance share units granted at loanDepot (LDI)?

The filing reports a grant of 102,201 performance share units to the Chief Risk Officer. Each unit can settle into one share of Class A Common Stock if specified stock price targets are achieved before their expiration on March 16, 2029, emphasizing performance-based compensation incentives.

loanDepot (NYSE: LDI) CRO granted RSUs and performance share units

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)

Form Type

Rhea-AI Filing Summary

loanDepot, Inc. Chief Risk Officer Joseph J. Grassi III reported compensation-related equity activity. He exercised 118,613 restricted stock units into Class A Common Stock on March 16, 2026, with 38,929 shares of Class A Common Stock withheld at $1.56 per share to cover tax obligations.

Following these transactions, he held 209,659 shares of Class A Common Stock directly. He was also granted 306,603 new restricted stock units that vest in three equal annual installments beginning on March 16, 2027, and 102,201 performance share units that can settle into Class A Common Stock if specified share-price targets are achieved by March 16, 2029.

Insider Trade Summary

118,613 shares exercised/converted

Mixed 5 txns

Insider Grassi Joseph J III

Role Chief Risk Officer

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units	118,613	$0.00	--
Grant/Award	Restricted Stock Units	306,603	$0.00	--
Grant/Award	Performance Share Units	102,201	$0.00	--
Exercise	Class A Common Stock	118,613	$0.00	--
Tax Withholding	Class A Common Stock	38,929	$1.56	$61K

Holdings After Transaction: Restricted Stock Units — 237,226 shares (Direct); Performance Share Units — 102,201 shares (Direct); Class A Common Stock — 248,588 shares (Direct)

Footnotes (1)

The restricted stock units ("RSUs") vested on Saturday, March 14, 2026, and were settled on Monday, March 16, 2026. Each RSU represents a contingent right to receive, at settlement, one share of Class A Common Stock. The RSUs vest in three equal annual increments commencing March 14, 2026, the first anniversary of the grant. Each RSU represents a contingent right to receive, at settlement, one share of the issuer's Class A Common Stock. The RSUs vest in three equal annual increments commencing March 16, 2027, the first anniversary of the grant. Each performance restricted stock unit represents a contingent right to receive one share of the issuer's Class A Common Stock. The performance rights vest upon the issuer's Class A Common Stock achieving specified prices per share.

Form 4 Insider Transactions: What Each Field Means →

03/18/2026 - 04:41 PM

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Grassi Joseph J III

(Last)

(First)

(Middle)

C/O LOANDEPOT, INC.

6561 IRVINE CENTER DR.

(Street)

IRVINE

CALIFORNIA

92618

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
loanDepot, Inc. [ LDI ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	Chief Risk Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
03/16/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Class A Common Stock	03/16/2026⁽¹⁾		M		118,613	A	⁽²⁾	248,588	D
Class A Common Stock	03/16/2026		F		38,929	D	$1.56	209,659	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Restricted Stock Units	⁽²⁾	03/16/2026		M			118,613	⁽²⁾	⁽²⁾	Class A Common Stock	118,613	$0	237,226	D
Restricted Stock Units	⁽³⁾	03/16/2026		A		306,603		⁽³⁾	⁽³⁾	Class A Common Stock	306,603	$0	306,603	D
Performance Share Units	⁽⁴⁾	03/16/2026		A		102,201		⁽⁴⁾	03/16/2029	Class A Common Stock	102,201	$0	102,201	D

Explanation of Responses:

1. The restricted stock units ("RSUs") vested on Saturday, March 14, 2026, and were settled on Monday, March 16, 2026.

2. Each RSU represents a contingent right to receive, at settlement, one share of Class A Common Stock. The RSUs vest in three equal annual increments commencing March 14, 2026, the first anniversary of the grant.

3. Each RSU represents a contingent right to receive, at settlement, one share of the issuer's Class A Common Stock. The RSUs vest in three equal annual increments commencing March 16, 2027, the first anniversary of the grant.

4. Each performance restricted stock unit represents a contingent right to receive one share of the issuer's Class A Common Stock. The performance rights vest upon the issuer's Class A Common Stock achieving specified prices per share.

Remarks:

	/s/ Greg Smith, as Attorney-in-Fact for Joseph J. Grassi III	03/18/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR

FAQ

What equity transactions did loanDepot (LDI) Chief Risk Officer report?

The Chief Risk Officer exercised 118,613 restricted stock units into Class A Common Stock and had 38,929 shares withheld for taxes. He also received large new grants of restricted stock units and performance share units tied to future service and stock-price performance.

How many loanDepot (LDI) shares does the Chief Risk Officer hold after these transactions?

After the reported transactions, the Chief Risk Officer directly holds 209,659 shares of loanDepot Class A Common Stock. This figure reflects both the RSU settlement into shares and the tax-withholding disposition recorded at a price of $1.56 per share on March 16, 2026.

What new restricted stock units did loanDepot (LDI) grant to its Chief Risk Officer?

The Chief Risk Officer received 306,603 new restricted stock units, each representing one share of Class A Common Stock. These RSUs vest in three equal annual installments starting March 16, 2027, aligning value with continued employment and long-term company performance over several years.

Was there an open-market sale of loanDepot (LDI) shares in this Form 4?

No open-market sale was reported. The only disposition was 38,929 shares of Class A Common Stock withheld at $1.56 per share to satisfy tax obligations related to the equity award settlement, a routine non-market transaction rather than a discretionary sale into the open market.

How do the loanDepot (LDI) RSU and PSU structures work for this officer?

Each restricted stock unit represents a contingent right to receive one share of Class A Common Stock upon vesting and settlement. Each performance share unit similarly converts into one share if the company’s Class A stock reaches specified price levels within the defined performance period through March 16, 2029.