loanDepot, Inc. (LDI) Q4 2025 Earnings Call

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WEBVTT 00:00:01.651 -- 00:00:07.037 Good afternoon, everyone, and welcome to Loans Depot's year-end and fourth quarter 2025 00:00:07.037 -- 00:00:12.202 earnings call. After today's prepared remarks, we will host a question and answer session. 00:00:12.202 -- 00:00:17.849 If you would like to ask a question, please press star 1 on your telephone keypad. 00:00:17.849 -- 00:00:20.792 To withdraw your question, press star 1 again. 00:00:20.792 -- 00:00:26.138 I would now like to turn the call over to Gerhard Erdaly, Senior Vice President, 00:00:26.138 -- 00:00:30.020 Investor Relations. Please go ahead. 00:00:30.625 -- 00:00:34.770 Good afternoon, everyone, and thank you for joining our year-end and fourth quarter 2025 00:00:34.770 -- 00:00:39.356 earnings call. Before we begin, I would like to remind everyone that this conference 00:00:39.356 -- 00:00:43.361 call may include forward-looking statements regarding the company's operating and financial 00:00:43.361 -- 00:00:48.247 performance in future periods. For more information about factors that may cause actual 00:00:48.247 -- 00:00:52.432 results to differ materially from forward-looking statements, please refer to the earnings 00:00:52.432 -- 00:00:58.777 release that we issued earlier today, which is available on our website at investors.loandepot.com. 00:00:59.718 -- 00:01:04.785 Our presentation today contains certain non-GAAP financial measures that we believe provide 00:01:04.785 -- 00:01:10.092 additional insight into analyzing and benchmarking the performance and value of our business 00:01:10.092 -- 00:01:14.357 and facilitating company-to-company operating performance comparisons. 00:01:14.357 -- 00:01:18.743 For more details on these non-GAAP financial measures, including reconciliation to the 00:01:18.74...