The loanDepot Difference

What is the loanDepot Difference At loanDepot, we consider ourselves to be more than a mortgage lender— we are committed to helping individuals and families achieve their financial goals through the milestone of homeownership. To us, “Home Means Everything,” because we know that home plays center stage for all of life’s significant moments, big and small.

Since our founding in 2010, we’ve grown to become one of the nation’s largest nonbank retail mortgage lenders, building a network of direct-toconsumer partners and affiliates to offer a broad suite of lending and real estate services. This unique diversification enables us to serve the widest range of customers—and to continue to support them throughout their homeownership journey.

Our commitment to our customers, to our colleagues, and to the communities in which we live and work is what differentiates loanDepot from other mortgage providers. If you have a passion for working enthusiastically and collaboratively with the best in the industry to provide people just like you with the best experience possible—loanDepot may be your home.

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Team loanDepot is the best in the business. Our spirit, energy and determination set us apart—as does our commitment to serving our customers with excellence and to moving our company forward with purpose.

Frank Martell President and CEO

Why Join Us? There’s no place like loanDepot. Here’s why:

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Experienced Leadership

Our Direct Sales leaders all began their careers as direct-to-consumer loan officers, and two of our Direct team’s leaders have been with the company since Day One.

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Top Quality Leads

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Proprietary Technology

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Our direct-to-consumer loan officers receive a continuous stream of warm leads that are vetted and transferred through our customer lending representatives.

Our proprietary business platform was built to streamline even the most complex transactions to keep loans moving in a steady, consistent pipeline.

Outstanding Support

We are here to help you succeed—and support is always nearby. In addition to consistent leads, solid products and great technology, we also ensure that you have good pricing and exceptional turn times.

Ethics and integrity are at the core of everything we do. We apply the same level of care to our colleagues as we do to our customers.

Brand Visibility

We are the Official Mortgage Provider of Major League Baseball. From Opening Day through the Leagues Championship Series, our brand name is seen by millions of baseball fans across the nation and throughout the world. Additionally, we are the Official Mortgage Provider of the Miami Marlins—and have the naming rights to their home—loanDepot park. Throughout the season— and throughout the year—our brand name is seen by hundreds of thousands of sports, music and festival fans.

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Competitive Benefits

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Superior Comp Plan

In-Demand Products

We offer a perfect mix of products and services that our customers need and want—and many that offer ideal solutions for their current financial goals.

We also are continuously innovating new options, including our HELOC, which gives customers the ability to tap into their home’s equity in as little as two weeks!

Full Transparency

We offer a robust suite of benefits that includes an exceptional mix of healthcare benefits as well as financial and behavioral health tools.

We’re committed to your success at every turn— including industry leading compensation. We also offer regular sales incentives and one of the industry’s most coveted awards programs—Chairman’s Elite.

10 Culture

Team loanDepot, as we call ourselves, is a tight knit, yet diverse, team. We are known for our strong, inclusive culture—and for supporting each other as we work together to assist our customers.

About loanDepot Creating a successful company takes vision, purpose and heart. Since our founding, Team loanDepot has displayed all three—building loanDepot into a nationally recognized brand that has served hundreds of thousands of customers across the nation. Better still, we are a success story that is still being written.

Funds +$1.5B

Achieves 70K Conversions per Month

Surpasses 1K Fundings in One Month

2010

2011

2012

Founded by 50 Dedicated Individuals

Expands Nationwide

Licensed in All 50 States

Who, Together with Founder Anthony Hsieh, Are Inspired to Deliver Their Best to Our Customers Every Day

Nearly Doubles Full Time Employees and Begins National Campus Expansion

Funds $45B +152K Funded Units

Funds +$100B

2017

2018

2019

2020

Launches mello® Technology

Launches Sister Company mellohome™

Tech Enhancements Delight Customers

Disrupts Mortgage Industry by Delivering Easy and Rewarding Loan Experience to Customers

Creates Popular One-StopShopping Resource for Consumers by Offering Mortgage-Adjacent Products and Services

Customers Can Digitally Connect Even More Financial Data

Grows Customer Database to 38.6M with 95.5M Interactions

Total Borrowers Served Since Inception +1.63M

As we move through our second decade, the size and scale of our business platform has changed, but our core values and principles have not. We are going to keep doing what we set to do—serving, delivering and innovating on behalf of our customers.

Because, at loanDepot, we know that Home Means Everything.

Funds $8.3B +37K Funded Units

Funds $38B

2013

2014

2015

2016

Expands into Joint Venture and In-Market Retail

Online Demand for Mortgage Products and Services Continues to Grow

Serves Nearly 12k Customers a Month

Acquires Closing USA, Further Streamlining Company Operations

Announces Multi-Year Partnership with Major League Baseball

Serves Nearly 30K Customers a Month

2021

Publicly Traded on NYSE

Ticker Symbol: LDI

+392K Funded Units

2022

Secures Exclusive Naming Rights to loanDepot park, Home of the Miami Marlins

Launches Innovative HELOC

Total Funded Since Inception +$499B

Meet Our Leadership Team

Each is an expert in their business area—and, together, bring decades of industry experience to the table. Our leadership team also is unique in their accessibility—making themselves available and welcoming conversations with Team loanDepot. Open lines of communication are further enhanced with regular CEO Connects, Executive and Team Townhalls and CEO Walkabouts. At loanDepot, every member of the team has a voice—and a seat at the table.

Frank Martell President & CEO

As president, CEO and a member of loanDepot’s Board of Directors, Frank Martell is responsible for all of the company’s daily operations, including oversight and direction of its multi-channel origination model as well as its mortgage-adjacent digital products and services group. He brings more than 30 years’ executive leadership experience to the role, and is known for his ability to attain consistent growth in revenues and profitability. His keen understanding of the power of data and his digital-first mindset enables loanDepot to further accelerate its use of technology to deliver superior service at every touch point.

Jeff Walsh President, LDI Mortgage

Jeff Walsh is responsible for top line mortgage revenue across the enterprise, including the company’s direct-to-consumer, in-market and joint venture channels.

Since joining loanDepot in 2012, Jeff has played a pivotal role in virtually every company milestone—including expanding its footprint from a thriving direct-toconsumer lender to becoming a multi-faceted, nationally recognized nonbank mortgage lender. A seasoned executive with more than 30 years’ experience in mortgage originations, Jeff has helped his teams successfully navigate a variety of economic cycles.

George Brady Chief Information Officer

As Chief Information Officer, George Brady is the company’s top technology executive, overseeing all of loanDepot’s technology capabilities, including its groundbreaking proprietary platform, mello®. With a special talent for spearheading technological innovation, George continues to cultivate a culture of technical excellence as he and his team expand the company’s capacity to meet and exceed customer expectations.

Under George’s leadership, loanDepot continues to advance in its ongoing quest to change the game for customers and originators and transform mortgage lending.

Dan Binowitz Managing Director of Operations and Servicing

Dan Binowitz is responsible for all of the company’s pre-funding and post-funding operations, including processing, underwriting, closing, post-closing and servicing.

He joined loanDepot in 2011, lending his 30 years of mortgage and financial services experience to strengthening the company’s agency and investor relationships.

He assumed leadership of loanDepot’s servicing unit in 2015, stewarding the successful transition from an outsourced third-party subservicing model to a fully in-house function. Dan is focused on cultivating life-long relationships with our customers and ensuring an exceptional experience from the time of origination throughout the life of the loan.

Alex Madonna Executive Vice President, Direct Lending

Alex Madonna leads loanDepot’s direct lending team, providing guidance for hundreds of top performers and emerging producers nationwide. Alex brings more than 23 years’ mortgage industry experience to his role, beginning his career as a loan officer and quickly rising through the ranks to move from Sales Operations Manager to Production Manager to Director of National Sales and VP of Sales before being promoted to EVP, Direct Sales.

Giorgio Bertuol Senior Vice President, Direct Sales

Giorgio Bertuol is a strategic, results-oriented mortgage professional with nearly 30 years’ experience. Throughout his career, he has led or played a significant role in the development of direct-to-consumer mortgage sales teams.

A proven collaborator with a history of delivering exceptional results, Giorgio has demonstrated proven excellence in sales and operations management, performance management and people development, and in motivating team members to focus on defined objectives.

Watch as Alex Madonna, EVP, Direct Sales, explains what it means to be part of the direct-to-consumer team—and the importance of our loan originators in changing the lives of our customers.

Our direct-to-consumer leaders have been dedicated to their channel for the majority—if not the entirety—of their careers, making them uniquely qualified to support and lead our D2C teams.

Viviana Abarca Executive Vice President, Direct Lending Operations

Viviana Abarca leads the company’s direct lending operations and oversees direct production and its associated teams, including processing, underwriting and closing. Viviana also directs a variety of cross-department and cross-channel initiatives designed to enhance cycle times and service levels. An 18-year veteran of the mortgage industry, Viviana has significant experience in lending operations, specifically processing, underwriting and closing. Her keen leadership and ability to identify and implement exceptional improvements has enabled her to enhance every department or channel she has worked with since she joined loanDepot in 2013.

Jess Smith Senior Vice President, Direct Lending Operations

Jess Smith brings expansive experience in both mortgage sales and operations to his role. Throughout his career, Jess has been instrumental in supporting his teams with the training and development needed to ensure their growth and success.

Today, Jess’ keen eye for spotting operational areas of opportunity is used to further optimize the company’s operations.

Bryan Cederbaum Director, Direct Sales Strategy | Arizona

Bryan Cederbaum brings nearly two decades of sales experience to his role as Director, Direct Sales Strategy. Since joining loanDepot in 2014, Bryan’s exceptional talent for sales strategy and team development has enabled him to quickly promote in both responsibility and title, moving from Loan Officer to Production Manager to Director, Direct Sales Strategy. Continuously motivated by the opportunity to optimize the loanDepot customer experience, Bryan has played an important role in a variety of process and product enhancements, including the rollout and expansion of the loanDepot HELOC.

Kyle Fleeger Director, Direct Sales | Arizona

Kyle Fleeger has been an indispensable member of the loanDepot sales team since 2016. Joining the company as an Executive Licensed Lending Officer, Kyle’s ability to optimize sales teams, both in personal growth and overall performance, has enabled him to promote in both responsibility and title to Production Manager, Sales Manager, and now, Director, Direct Sales. Committed to ensuring that his teams are delivering an exceptional experience for our customers throughout the loan process, Kyle especially enjoys mentoring new loan officers and setting them on a path for success.

LEADERSHIP TEAM

Bill Goforth Director, Direct Sales | Michigan

Bill Goforth has dedicated his 20-year mortgage career to helping his colleagues achieve their professional goals while also helping customers achieve their financial ones. A dynamic and results-driven sales leader, Bill has a passion for sales and for setting and achieving new goals. A believer in leading by example, Bill is a hands-on leader who is laser-focused on his teams’ success. He also places a high value on professional and personal growth for each of his team members, and provides the encouragement, mentorship and tools they need to be at the top of their field.

Michael Guazon VP, Direct Sales | California

Michael Guazon has more than 20 years’ experience building successful sales teams. In his role as VP, Direct Sales, Michael is responsible for overseeing all aspects of the company’s West Coast Direct Lending Sales Division and for driving continued revenue growth through effective strategies and processes. His deep understanding of the mortgage landscape has enabled him to consistently exceed revenue targets and to drive exceptional customer engagement. A graduate of the University of California, Irvine, with a Bachelor of Arts degree in Economics, Michael is a strong advocate for continued learning and development.

Bradley Thrush VP, Direct Sales | California

Bradley Thrush has more than 20 years’ experience in the mortgage industry—the majority of which has been focused in sales. Bradley joined loanDepot in 2012 as a loan originator. His talent for identifying and nurturing sales talent enabled him to move to a leadership role in the company’s sales training program. Bradley has since continued to elevate in title and responsibility, most recently as VP, Direct Sales, responsible for ensuring the consistent achievement of company revenue and customer satisfaction goals. Bradley is a hands-on leader who prides himself on helping his team members achieve their personal and professional goals.

Blaine Washington Director, Contact Center | Arizona

Blaine Washington is committed to excellence, both for his teams and for our customers. A member of Team loanDepot since 2017, Blaine joined the company as a loan originator, but quickly advanced to Production Manager, Director of Sales and now, Director, Contact Center. For Blaine, optimal performance, both personally and professionally, is the key to success—and he is known for building teams that consistently exceed their goals.

LEADERSHIP TEAM

Technology Built by loan officers for loan officers, our proprietary mello® platform sets loan officers up for success every day. mello, which, in Greek, means “about to be” is truly engineered with the future in mind—anticipating the future needs of our team.

In fact, our loan officers routinely tell us that our front end is the best in the industry, seamlessly supporting our LOs at every turn—from top of the funnel leads through closing—and beyond. Its capabilities are truly unmatched.

mello® Point of Sale (POS)

Our best-in-class POS system offers custom-crafted intuitive response capabilities that support sales efforts at every step of origination: Application •

Quick credit pull

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Streamlined digital application

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Agile digital income, asset and employment verification

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Rapid pricing and loan comparisons, pre-quals and worksheets

Prequalification •

Dual AUS enables LOs to send customers a fully generated pre-qualification letter in minutes

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Customizable templates enable LOs to easily update fees and apply them to future scenarios

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Generate and email loan detail and fee worksheets and loan comparison forms

Origination •

Sort, filter, and view loan pipeline from a customizable dashboard

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Validate customer information, complete submission forms and sales checklists, upload purchase contracts and proof of fees and send loans to processing—all from one easy-to-navigate dashboard

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In conjunction with our industry-leading custom POS platform, we have layered on top a sophisticated CRM tool that automates daily tasks and customer outreach, enabling our sales force to focus on building customer relationships.

Diego Guayan SVP, Technology Product

COMING SOON

Proprietary Customer Relationship Management (CRM) System •

System sends leads to loan officers faster than ever before

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Multi-comms capabilities enable loan officers to transact with customers via phone, email, or text all within a single tool

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Data enrichment and optimized workflow views create a 360 view of a potential borrower’s intent, progress and propensity to fund

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AI-driven solutions enable personalized automated customer outreach on behalf of loan officers

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Real-time customer insights and advanced lead pipelines ensure loan officer interaction efficiencies

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Reduced friction points enable seamless lead to lead navigation

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Automated calendar sync helps prevent missed appointments

Consumer Portal •

Serves as a secure digital document management system

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Enables loan officers and customers to view, upload, acknowledge and sign docs

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Offers secure messaging between loan officers, processors and customers

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Provides access to historical loan details and documents

Products At loanDepot, we are committed to becoming our customers’ lender for life.

Our expansive array of loan products also feature competitive pricing and, when combined with our state-of-the-art mello® technology platform, make helping our customers easier than ever before. Our product suite includes a variety of custom—and competitive—products that provide options for our customers in all market environments. Buydown products, for example, are an excellent way to provide customers with short-term relief from the strain of higher interest rates—in some cases for up to 36 months.

loanDepot Lifetime Guarantee

We want to be our customers’ trusted resource throughout their homeownership journey, and the loanDepot Lifetime Guarantee (LDLG) enables us to do just that. Offered to customers who complete a qualifying mortgage purchase, refinance or HELOC* with us, we’ll waive our lender fees for any eligible, future loanDepot refinance—providing a strong recapture opportunity from satisfied customers for our loan officers. And, for our HELOC customers, we also offer an added discount on closing costs when they refinance their HELOC into a new loanDepot mortgage or refinance another loan on the property secured by their HELOC. This, in itself, could represent a savings of thousands of dollars over the life of a customer’s loan, and means that we keep our customers coming back for more!1

Not Available in all states

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Offer applies on first-lien refinances only. loanDepot Lifetime Guarantee is non-transferable and not available for all loan products. “Lender fee” does not include discount points or fees associated with third-party closing costs. Terms, conditions, and restrictions apply. Please refer to the website: www.loanDepot.com/lifetime-guarantee.

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The loanDepot HELOC

New to our product suite is the loanDepot Home Equity Line of Credit, or HELOC. Designed for savvy homeowners who are looking for a smart way to access their home equity without affecting their current low-interest mortgage rate—our HELOC not only offers a streamlined application experience—customers may be able to get their funds in as little as 14 days.2

The mellohome Grand Slam, in partnership with loanDepot

Customers can get up to $3,500 cash back when they use a mellohome real estate agent and obtain a loanDepot loan to buy or sell a property—and up to $7,000 cash back if they do both! Verified first-time homebuyers receive an additional $1,000 cash back bonus when they purchase their first home—up to $4,500 cash back! The process begins with a loan preapproval with loanDepot, with mellohome’s concierge service supporting the buyers and sellers through the purchase process.

Funding timelines vary based upon verifications of income, employment, property condition or property value as needed.

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Dedicated Sales Support

Our operations and servicing teams are committed to our customers—and to our loan officers. Truly worldclass, our ops teams consistently delivers exceptional turn times, in part thanks to our continued focus on automated underwriting advancements.

As of early 2023, all of our loans are serviced inhouse—a true complement to our commitment to better serve our customers across the entire mortgage journey. Crafted to provide a superior postfunding experience, our in-house servicing platform provides customers with the same ease and flexibility they enjoyed at application.

Delivering Excellence Every Day

In 2022 alone, respondents to our post-closing survey show that over 90% of our funded directto-consumer customers are satisfied with their loan experience. That number reflects the commitment and hard work that goes into every loan—every day.

For Brian Ramos, Executive Licensed Lending Officer, listening to his customers’ needs is the easiest part of his job. Here’s what else he suggests:

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Viviana Abarca

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Our team works hard to get files completed quickly—and enjoys working with an experienced sales team that knows how to get deals done, and how to serve customers exceptionally well along the way. We also excel in communicating with the sales team— ensuring that there are few, if no, surprises, along the way.

EVP, Direct Lending Operations

Benefits

loanDepot is committed to the health and development of its teams. We offer a robust and comprehensive benefit package that includes a diverse mix of healthcare, financial and behavioral health tools:

Medical Insurance

Identity Protection with PrivacyArmor Plus®

Dental Insurance

Commuter Benefits Plan

Vision Coverage

Pets Best Pet Insurance

Life and AD&D Insurance

Learning Care Group

Short- & Long-Term Disability Insurance

Healthy & Dependent Care Savings Accounts

Hospital Indemnity / Accident / Critical Illness

Lifecare Complete

401K Plan

Tuition Reimbursement

Legal Plan

Volunteer Paid Time Off (VPTO)

We offer four health plan options that include: Preventative care covered at 100% Access to a large network of medical providers Access to virtual care from board-certified doctors

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Our employees are the heartbeat of our company. Our benefits package is designed to support their personal health and financial goals and empower them to live healthy, vibrant lives.

Laura Collins VP, Benefits

Brand and Marketing loanDepot’s powerful marketing engine is hard at work to support the needs of our direct-to-consumer team. Our sophisticated, multi-level approach enables us to be everywhere our customers are—ready to support their financial goals.

In-Bound Lead Generation Our direct-to-consumer team receives a steady stream of quality, warm, inbound leads. These leads are consumers who have either identified an interest in refinancing a mortgage, buying a new home or are interested in learning more about a HELOC. These leads are marketing and/or sales qualified—in other words, these are prospective customers who are eager to learn more about loanDepot and how our products or services can help them attain their financial goals.

It's important to note that we are hyper-focused on generating highly qualified leads. The expansive scale of our marketing efforts, together with the long-term relationships that we have built, ensure that we are able to drive top quality leads into our marketing engine. Additionally, with the assistance of our world-class contact center and state-of-theart dialing platform, we get to those leads fast— when potential conversion is at its highest. And, with the assistance of our business intelligence and data science teams, we are able to tee up those leads into our loan officers’ CRMs.

Licensing

loanDepot invests in the success of its directto-consumer loan officers, proactively paying for all required licensing. And, with many D2C loan officers holding up to 16 state licenses each (and we encourage loan officers to hold multiple licenses to expand their licensing footprint) it’s an investment that quickly adds up—but that offers exceptional benefits to the loan officers.

Digital Marketing

Using a savvy mix of lead generation marketing tools, including paid digital advertising, content marketing, and email marketing, we are able to engage with potential customers at every level of the sales funnel.

Official Mortgage Provider of Major League Baseball

As the Official Mortgage Provider of Major League Baseball, our brand name is literally in homes across the nation—and around the globe—from Opening Day through the League Championship Series. Our brand is seen by millions on MLB.com, MLB Network, MLB social media platforms and MLB's national broadcast partners, FOX, Turner and ESPN. In addition, we also are the sponsor of the ALCS™ and NLCS™ and we partner with MLB on partnership activities and community-based initiatives throughout the year.

Official Mortgage Provider of the Miami Marlins and Naming Rights Sponsor of loanDepot park

Our partnership with the Miami Marlins joins two rising and celebrated organizations with a common vision for providing exceptional, impactful experiences for customers and fans. As the Official Mortgage Provider of Marlins Baseball, our brand visibility is further enhanced not just in the SE Florida area, but to viewers nationwide.

Additionally, as naming rights sponsor, fans have heightened awareness of our brand as they attend events at the park as do viewers nationwide as the Marlins take on some of the best teams in baseball, in some of TV’s biggest markets.

video link

Chief Administrative Officer

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TJ Freeborn

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We have worked very carefully to build the loanDepot brand— aligning with like-minded partners that are equally committed to excellence as we continue our mission to help individuals and families nationwide achieve their financial goals. And, thanks to our partnership with Major League Baseball and the Miami Marlins—millions of consumers nationwide see our brand name throughout the baseball season—and beyond.

Sales Incentives, Perks and Chairman's Elite

At loanDepot, we reward excellence. Results-oriented loan officers enjoy a variety of sales incentives and perks throughout the year, including: Performance incentives, including trips and prizes Performance recognition at rallies and townhalls Chairman's Elite

Earning Chairman’s Elite status takes dedication and a commitment to personal growth.

But the effort is well-rewarded, with Chairman’s Elite qualifiers earning trips to worldclass resorts, attendance at elegant award ceremonies and enjoying once-in-a-lifetime vacation experiences, not to mention longterm compensation perks. Additionally, these top performers also are honored with the opportunity to spend time collaborating with company leadership—and to market their top performer status on their personal marketing materials.

SVP, Direct Sales

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Giorgio Bertuol

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Attaining Chairman's Elite status is a reflection of outstanding commitment and dedication. The path to CE is filled with opportunities that require focus and conviction. But, once you arrive, you'll see the volume of personal growth you've attained and realize the full impact of the professional growth you've achieved.

Community

loanDepot is committed to serving the communities in which we live and work.

Since our founding in 2010, we have donated millions of dollars and volunteer hours to a diverse array of charities, and many members of our executive leadership team serve on the boards for a variety of philanthropies.

In 2021 and 2022, loanDepot donated over $1M to the Boys & Girls Clubs of America through our “Home Means Everything” RBI campaign.

The funds will leave a lasting impact on kids and families nationwide through the efforts of the national organization. They also will be used to support four critical Club revitalization projects, including supporting STEM programming efforts, nutrition planning, facility restoration efforts at a Club heavily damaged by Hurricane Ian and the repair of an athletic complex.

Additionally, the company’s contributions through our “Runs Scored” program with the Miami Marlins Foundation and Boys & Girls Clubs of Miami-Dade has enabled the creation of two youth baseball

and softball teams for 30 kids at a local Boys & Girls Club in Liberty City. The teams are part of the Marlins Youth Academy Jr. RBI program, which helps to grow and promote baseball and softball while teaching the fundamentals and life lessons learned through the game.

During the COVID pandemic, loanDepot donated more than $3M to support individuals and families impacted by the pandemic as well as to provide immediate relief for first responders and medical personnel. Additionally, loanDepot has supported food pantries, including Second Harvest Food Bank, health-related charities, such as Free Wheelchair Mission, and veterans’ charities, including War Heroes on Water.

loanDepot is a purpose-driven lender, and our commitment to making a positive impact on the communites in which we live and work is part of our DNA.

loanDepot strongly supports its team members’ efforts to give back to their local communities— providing 16 hours of Volunteer Paid Time Off in support of local 501c3 charities.

COMMUNITY

Our direct-to-consumer team has been dedicated to supporting Unlimited Possibilities, an Orange County, Calif.-based charity focused on providing a limitless future for children and families with disabilities, including cerebral palsy. The charity is one that holds special significance to the D2C team, after one of our loan officers shared that his son had been diagnosed with the disease. Today, Alex Madonna, EVP, Direct Lending, serves on the charity’s board—further enhancing our support.

EVP, Direct Lending

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Alex Madonna

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Over the years, we have built a long-standing and meaningful relationship with Unlimited Possibilities, or UP. UP provides lifechanging therapeutic and physical rehabilitation services to children and families throughout the Orange County area— many of whom are dealing with developmental disabilities such as cerebral palsy. This partnership has not only aided UP in their mission to provide exceptional services, but also has enabled us to touch the lives of thousands of families.

Culture Team loanDepot is determined, dedicated and enthusiastic about what we do: Changing people’s lives.

While our work is serious, we also are a light-hearted and compassionate team that cares as much for each other as we do for the work we do. Together, we are making a difference. We:

Operate with ethics and integrity

Do the right thing for our customers

Operate with full transparency

Ensure same-day customer contact

Care for our colleagues as we do for our customers

For Romina Zamanpour, Executive Licensed Lending Officer, making a positive change or impact in one person’s day makes all the difference. Watch what else she has to say.

Interested in learning more?

LET’S TALK CONNECT WITH OUR RECRUITING TEAM TODAY! hello@loandepot.com

SALES TEAM-SPECIFIC QUESTIONS

Alex Madonna

Giorgio Bertuol

AMadonna@loandepot.com

GBertuol@loandepot.com

National Sales California

National Sales Arizona, Michigan, Tennessee

EVP, Direct Lending

SVP, Direct Sales

Rates, terms, and availability of programs are subject to change without notice. ​loanDepot.com, LLC, 6561 Irvine Center Drive, Irvine, CA 92618. All rights reserved. NMLS #174457 (www.nmlsconsumeraccess.org) AZ: Mortgage Banker 0911092. CA: Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act CRMLA 4131040. CO: Colorado Department of Real Estate under a Mortgage Company Registration. CT: Connecticut Department of Banking as a Mortgage Lender #ML-174457. FL: Florida Lender License number MLD903. GA: Georgia Residential Mortgage Licensee #24020. IL: Illinois Residential Mortgage Licensee #MB.6760709. MA: loanDepot is a Mortgage Lender in Massachusetts License #MC174457. MD: Licensed as a Mortgage Lender by the Commissioner of Financial Regulation #06_18928. MN: This is not an offer to enter into an interest rate lock agreement under Minnesota law. MS: Licensed by the Mississippi Department of Banking and Consumer Finance. NH: Licensed by the New Hampshire Banking Department. NJ: Licensed Mortgage Banker – NJ Department of Banking and Insurance. NY: Licensed Mortgage Banker - NYS Department of Financial Services No. 109061. OR: License # ML-4972. PA: Licensed Mortgage Lender No 31342 by the Department of Banking and Securities. RI: Rhode Island Licensed Lender. TN: under Mortgage License No. 110371; VA: mortgage lender and broker by the Virginia State Corporate Commission #MC-5431; WA: licensed by the Department of Financial Institutions under the Consumer Loan Act#CL-174457. Also licensed in: AK, AL, AR, DC, DE, HI, IA, ID, IN, KS, KY, LA, ME, MI, MO, NC, ND, NE, NM, NV, OH, OK, SC, SD, TX, UT, VT, WI, WV and WY. 23-MKT-107437-8658.