loanDepot, Inc. 与 Nomura Corporate Funding 签署 1.25 亿美元抵押贷款回购协议

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

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FORM 8-K

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CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (or date of earliest event reported): October 2, 2026

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loanDepot, Inc.

(Exact Name of Registrant as Specified in its Charter)

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6561 Irvine Center Drive

Irvine, California 92618

(Address of Principal Executive Offices) (Zip Code)

Registrant’s telephone number, including area code: (888) 337-6888

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

Securities registered pursuant to Section 12(b) of the Act:

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  o

Item 1.01 Entry into a Material Definitive Agreement.

On October 2, 2026, loanDepot.com, LLC, as seller and servicer (the “Company”), an indirect subsidiary of loanDepot, Inc., and the Company’s wholly-owned subsidiary, loanDepot Multi Asset NC, LLC (“REO Subsidiary”), entered into a Master Repurchase Agreement (the “Master Repurchase Agreement”) with Nomura Corporate Funding Americas, LLC, as buyer (the “Buyer”). Pursuant to the Master Repurchase Agreement, the Company may sell to the Buyer, and later repurchase, residential mortgage loans and, subject to certain conditions precedent, interests in real estate owned properties. The Master Repurchase Agreement and certain ancillary agreements provide for an aggregate uncommitted financing of up to $125 million. The expiration date of the Master Repurchase Agreement is September 30, 2027, unless extended or earlier terminated in accordance with the terms thereof. The Master Repurchase Agreement contains representations, warranties, covenants, conditions precedent to funding, events of default and indemnities that are customary for agreements of these types. Additionally, the Master Repurchase Agreement provides that the Company is required to cure any margin deficit at the request of the Buyer. Should any event of default occur, the financing of mortgage loans under the Master Repurchase Agreement may be terminated and the repurchase of any assets sold under the Master Repurchase Agreement could be accelerated to be immediately due and payable at the repurchase price.

The foregoing description of the Master Repurchase Agreement is not complete and is qualified in its entirety by reference to the full text of the Master Repurchase Agreement, a copy of which is attached hereto as Exhibit 10.1 and is incorporated herein by reference.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.

All information set forth in Item 1.01 of this Form 8-K is incorporated into this Item 2.03 by reference.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

# Confidential information has been omitted because it is both (i) not material and (ii) is the type of information that the Company treats as private or confidential pursuant to Item 601 of Regulation S-K.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: October 7, 2026