Slide 1: 2Q 2026 Investor Presentation
2Q 2026 INVESTOR PRESENTATION August 4, 2026
Slide 2: We make the American Dream of home possible.
We make the American Dream of home possible. Partnering with homeowners throughout the lifecycle of the homeownership journey. Serving the Buyer Supporting the Servicing the Mortgage Optimizing the Journey Purchase First Time HELOC Homebuyer Title Building Services Trust Veteran / Closed-End Active
Slide 3: loanDepot's Flywheel
LOANDEPOT’S FLYWHEEL • Top of funnel • Diversified channel strategy • Brand – loanDepot Park • Direct to consumer • Scale • In-market retail • Marketing • Joint venture • Lead conversion • Wholesale ORIGINA TIO • Comprehensive product suite N • Purchase • Refinance • Home equity • Reverse S ER VICIN
Slide 4: Scaled to Capture Huge Market Opportunity
SCALED TO CAPTURE HUGE MARKET OPPORTUNITY A Significant Market Opportunity Highly Mortgage Mortgage Fragmented Residential Debt Originations Market Real Estate Outstanding 2026 No Lender Above $47T(1) 10% Market $15T(2) $2.2T(3) Share(4) A Nationwide Lender Providing a Complete Homeowner Ecosystem F
Slide 5: Experienced Management Team with Unique Skillsets
EXPERIENCED MANAGEMENT TEAM WITH UNIQUE SKILLSETS Dominick Marchetti Jeff DerGurahian Anthony Hsieh David Hayes Chief Digital Officer Chief Investment Officer and Founder and Chief Executive Chief Financial Officer Head Economist Officer Mortgage - Loansdirect.com Joe Grassi Melanie Graper Adam Saab
Slide 6: Second Quarter Highlights
SECOND QUARTER HIGHLIGHTS • Originations: $8.0 billion in funded volume, unit volume increased 25% from first quarter 2026 • Total Revenue: increased 18% to $337.3 million on $6.6 billion of pull-through weighted lock volume; Adjusted revenue(1) of $307.6 million • Total Expenses: increased from $34
Slide 7: Historical Origination Performance Trend
HISTORICAL ORIGINATION PERFORMANCE TREND ($ in billions) Purchase 72% 66% 58% 59% 63% 60% 49% 41% 57% Mix % : 7 Note: Pull through weighted rate lock volume is the unpaid principal balance of loans subject to interest rate lock commitments, net of a pull-through factor for the loan funding probabili
Slide 8: Historical Cost Structure Comparison
HISTORICAL COST STRUCTURE COMPARISON Direct Origination Expense Commissions Marketing Other Interest Other G&A Salaries FTEs 8 (1) Excluding Cybersecurity Incident-related (2) Represents expenses directly related to the Cybersecurity Incident, net of actual and expected insurance recoveries, includi
Slide 9: Historical Servicing Portfolio Trend
HISTORICAL SERVICING PORTFOLIO TREND ($ in billions) Recapture %(1) : 70% 65% 71% 73% 68% Retention %(2) : 62% 63% 70% 75% 77% Total Serv Exp$ to Avg. UPB $, bps: 2.4 2.8 2.8 2.7 2.3 (1) We define organic refinance consumer direct recapture rate as the total unpaid principal balance (“UPB”) of loans
Slide 10: Liquidity and Balance Sheet
LIQUIDITY AND BALANCE SHEET Unrestricted Cash ($M) 10
Slide 11: Q3 2026 Outlook
Q3 2026 OUTLOOK* Current Market Metric Low High Conditions • Limited supply of new and resale homes continues to adversely Pull-through Weighted impact homebuying activity $5.25 $7.25 Rate Lock Volume ($bn) • Homeowner equity levels drive demand for cash-out refinance and home equity products Origin
Slide 12: Appendix
loanDepot APPENDIX
Slide 13: Balance Sheet & Servicing Portfolio Highlights
BALANCE SHEET & SERVICING PORTFOLIO HIGHLIGHTS 13
Slide 14: Non-GAAP Financial Reconciliation
NON-GAAP FINANCIAL RECONCILIATION 14 (1) Represents expenses directly related to the Cybersecurity Incident, net of actual and expected insurance recoveries, including costs to investigate and remediate the Cybersecurity Incident, the costs of customer notifications and identity protection, professi
Slide 15: Non-GAAP Financial Reconciliation (Cont'd)
NON-GAAP FINANCIAL RECONCILIATION (CONT’D) 15 (1) Represents expenses directly related to the Cybersecurity Incident, net of actual and expected insurance recoveries, including costs to investigate and remediate the Cybersecurity Incident, the costs of customer notifications and identity protection,
Slide 16: Disclaimer and Non-GAAP Financial Information
DISCLAIMER AND NON-GAAP FINANCIAL INFORMATION Forward-Looking Statements and Other Information This presentation contains forward-looking statements that can be identified by the fact that they do not relate strictly to historical or current facts and may contain the words “believe,” “aim,” “anticip