Innovative, Fully Digital “5x5 HomeLoan” Will Deliver Unmatched Speed, Savings and Flexibility

• Speed with approval in as little as five minutes and most fundings in five to seven days

• Savings with no appraisal, standard title or standard closing costs

• Flexibility for purchase, refinance and equity lines with loan amounts from $25,000 to $750,000, fixed and variable rate terms available, and no prepayment penalties

loanDepot, Inc. (NYSE: LDI) (together with its subsidiaries, “loanDepot”), a national retail lender with $577B funded directly to consumers, today announced a strategic partnership with Figure Technology Solutions (“Figure”), a leader in transforming financial services through the power of blockchain technology, that creates both a meaningful growth engine for loanDepot and a means to help serve the financing needs of more customers.

As part of the partnership, loanDepot will integrate Figure’s proprietary credit and loan underwriting engine into its own proprietary mello® technology platform and point of sale system, enabling the Company to seamlessly offer a variety of innovative express path home loan products to its customers. The 5x5 HomeLoan, which will deliver approval in as little as five minutes and funding in as few as five days, brings real value to those seeking smart, seamless, and convenient solutions to their financing needs.

Powered by its professional sales force of nearly 1,800 licensed loan officers holding approximately 12,500 state licenses, loanDepot will offer the 5x5 HomeLoan to customers in all 50 states. The product may be used to access home equity, and will be available to refinance an existing mortgage, or to purchase, giving borrowers an option on par with cash purchasing power.

“loanDepot already has the most differentiated customer acquisition and retention business model in the marketplace today, with a world-class brand and the only at-scale diversified channel strategy in the industry,” said Founder and CEO Anthony Hsieh. “Our partnership with Figure builds on these unique assets and provides a meaningful strategic lever for our business, allowing us to help more customers, close more loans, materially reduce the cost to produce, and deliver profitable market share growth. Further, it positions us to introduce new and innovative products that expand the way we will meet the needs of borrowers in the future.”

About loanDepot

Since its launch in 2010, loanDepot (NYSE: LDI) has revolutionized the mortgage industry with digital innovations that make transacting easier, faster, and less stressful for customers and originators alike. The company, which is licensed in all 50 states, helps its customers achieve the American dream of homeownership through a broad suite of lending and real estate services that simplify one of life's most complex transactions. loanDepot is also committed to serving the communities in which its team lives and works through a variety of local and national philanthropic efforts.

Forward-looking Statements

This press release may contain "forward-looking statements," which reflect loanDepot's current views with respect to, among other things, our business strategies; the benefits that the Figure partnership will deliver to loanDepot and its customers, including growth, customer service, innovation, reduced costs, and value; integration of Figure and loanDepot solutions; and uses for the 5x5 HomeLoan product, including offering it in all 50 states . These forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts and may contain the words “outlook,” “potential,” “believe,” “anticipate,” “expect,” “intend,” “plan,” “predict,” “estimate,” “project,” “will be,” “will continue,” “will likely result,” or other similar words and phrases or future or conditional verbs such as “will,” “may,” “might,” “should,” “would,” or “could” and the negatives of those terms. These forward-looking statements are based on current available operating, financial, economic and other information, and are not guarantees of future performance and are subject to risks, uncertainties and assumptions that are difficult to predict, including but not limited to, the following: our ability to achieve the expected benefits of the Figure partnership; our ability to adapt to and implement technological changes and operate effective and reliable systems, including Figure; our loan production volume; our ability to maintain an operating platform and management system sufficient to conduct our business; our ability to maintain warehouse lines of credit and other sources of capital and liquidity; our ability to effectively utilize artificial intelligence and emerging technologies; impacts of cybersecurity incidents, cyberattacks, information or security breaches and technology disruptions or failures, of ours or of our third party vendors; adverse changes in macroeconomic and U.S residential real estate and mortgage market conditions, including changes in interest rates; changing federal, state and local laws, as well as changing regulatory enforcement policies and priorities; and other risks detailed in the "Risk Factors" section of loanDepot, Inc.'s Annual Report on Form 10-K for the year ended December 31, 2025, as well as any subsequent filings with the Securities and Exchange Commission. Therefore, current plans, anticipated actions, and benefits, as well as the anticipated development of the Figure partnership, may differ materially from what is expressed or forecasted in any forward-looking statement. loanDepot does not undertake any obligation to publicly update or revise any forward-looking statement to reflect future events or circumstances, except as required by applicable law.

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“loanDepot already has the most differentiated customer acquisition and retention business model in the marketplace today, with a world-class brand and the only at-scale diversified channel strategy in the industry”