LoanDepot reported a 23% increase in loan origination volume in the fourth quarter of 2025, reaching $8.04 billion – the highest level since 2022 – and a 19% rise in market share to 1.4%, the company announced Tuesday.
The gains are attributed, in part, to the company’s investments in technology, according to a statement released alongside its year-end financial results. Full-year revenue increased 12% to $1.19 billion, while adjusted revenue rose 10% to $1.21 billion, driven by higher pull-through weighted lock volume and margins.
“The fourth quarter reflected the emerging benefits of our investment in technology and operating efficiency during a period of higher volumes,” said loanDepot Chief Financial Officer David Hayes during an earnings call. The company has been integrating artificial intelligence capabilities to streamline processes including lead acquisition, loan officer Community Reinvestment Act (CRA) management, and underwriting, according to CEO and President Anthony Hsieh.
Hsieh stated that companies capable of deploying AI applications directly to consumers will “define the productivity and efficiency standards for our industry.” LoanDepot intends to continue investing in customer acquisition and origination capabilities, leveraging its brand and marketing alongside latest technologies to lower costs and improve efficiency.
The company noted that decreasing long-term interest rates have spurred refinance activity, while strong homeowner equity levels are driving demand for cash-out refinance and home equity products. However, a limited housing supply continues to constrain homebuying, and market volatility remains a factor, impacting both housing demand and mortgage rates.
Looking ahead to the current quarter, loanDepot anticipates origination volume between $6.75 billion and $7.75 billion. Hayes explained that this guidance reflects market volatility, seasonal purchase volume fluctuations, housing affordability and availability, mortgage interest rate levels, and a strategy focused on larger refinance loan balances.
