loanDepot completes $150 million secured term notes offering

Published 19/08/2025, 11:06
loanDepot completes $150 million secured term notes offering

IRVINE, Calif. - loanDepot, Inc. (NYSE:LDI), a mortgage lender with a market capitalization of $620 million and current stock price of $1.88, announced Tuesday it has completed a private offering of $150 million in secured term notes through its indirect subsidiary, loanDepot GMSR Master Trust. According to InvestingPro data, the company has seen significant revenue growth of 27% over the last twelve months.

The variable-rate notes, based on SOFR plus a margin, mature on July 16, 2030, and are secured by portfolio excess spread relating to mortgage servicing rights on Ginnie Mae-backed securities. Proceeds were used to partially pay down a previously issued variable funding note secured by Ginnie Mae mortgage servicing rights.

Nomura Securities International served as the manager and initial purchaser for the transaction, with Alston & Bird LLP representing loanDepot as issuer’s counsel.

"Our ability to finance MSR assets is an important balance sheet and risk management tool for the Company," said David Hayes, loanDepot’s Chief Financial Officer, according to the press release. Hayes noted the transaction provides diversification and term extension relative to existing financing.

This represents loanDepot’s second GMSR offering this year, following a transaction less than two months ago. The notes will not be registered under the Securities Act of 1933 and were not offered or sold in the United States absent registration or an applicable exemption.

Founded in 2010, loanDepot is licensed in all 50 states and offers mortgage and real estate services. The company trades on the New York Stock Exchange under the ticker LDI. InvestingPro analysis suggests the stock is currently undervalued, with additional insights available in the comprehensive Pro Research Report, which provides deep-dive analysis of LDI and 1,400+ other US stocks.

In other recent news, LoanDepot Inc. reported its second-quarter 2025 earnings, revealing a larger-than-expected loss per share of $0.06, compared to the forecasted loss of $0.02. This resulted in a 200% negative surprise for investors. Revenue also fell short of expectations, totaling $282.54 million against a forecast of $321.66 million. These results have raised concerns about the company’s financial performance. Additionally, BTIG initiated coverage on LoanDepot with a Neutral rating. The research firm noted LoanDepot’s position as a top-20 mortgage lender with $26 billion in trailing 12-month origination volume and a current servicing portfolio of $118 billion. These recent developments highlight the challenges and opportunities facing LoanDepot in the current market environment.

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