loanDepot, Inc. (LDI) This fall 2025 Earnings Name Transcript

Operator

Good afternoon, everybody, and welcome to loanDepot’s Yr-end and Fourth Quarter 2025 Earnings Name. (Operator Directions)

I’d now like to show the decision over to Gerhard Erdelji, Senior Vice President, Investor Relations. Please go forward.

Gerhard Erdelji
Senior Vice President of Investor Relations

Good afternoon, everybody, and thanks for becoming a member of our year-end and fourth quarter 2025 earnings name. Earlier than we start, I want to remind everybody that this convention name might embrace forward-looking statements concerning the corporate’s working and monetary efficiency in future intervals. For extra details about components that will trigger precise outcomes to vary materially from forward-looking statements, please consult with the earnings launch that we issued earlier in the present day, which is on the market on our web site at buyers.loandepot.com.

Our presentation in the present day comprises sure non-GAAP monetary measures that we imagine present further perception into analyzing and benchmarking the efficiency and worth of our enterprise and facilitating company-to-company working efficiency comparisons. For extra particulars on these non-GAAP monetary measures, together with reconciliation to probably the most immediately comparable GAAP measures, please consult with in the present day’s earnings launch. A webcast and a transcript of this name might be posted on our web site after the conclusion of this name.

On in the present day’s name, we now have loanDepot’s Founder and Chief Government Officer, Anthony Hsieh; and Chief Monetary Officer, David Hayes They are going to present an summary of our quarter in addition to our monetary