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  <xs:element id="ldi_ScheduleOfFeesRecognizedInExchangeForServicingFinancialAssetsTableTextBlock" abstract="false" name="ScheduleOfFeesRecognizedInExchangeForServicingFinancialAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="ldi_Investor3Member" abstract="true" name="Investor3Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="ldi_LineOfCreditFacilityOptionToIncreaseInBorrowingCapacity" abstract="false" name="LineOfCreditFacilityOptionToIncreaseInBorrowingCapacity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ldi_Facility8Member" abstract="true" name="Facility8Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="ldi_StockIssuedDuringPeriodSharesReorganization" abstract="false" name="StockIssuedDuringPeriodSharesReorganization" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
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  <xs:element id="ldi_NumberOfLinesOfCreditHeld" abstract="false" name="NumberOfLinesOfCreditHeld" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="ldi_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentAdverseChangeInCostOfServicing" abstract="false" name="SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentAdverseChangeInCostOfServicing" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ldi_LoanProcessingAndAdministrativeServicesFeeIncome" abstract="false" name="LoanProcessingAndAdministrativeServicesFeeIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ldi_MeasurementInputPullThroughRateMember" abstract="true" name="MeasurementInputPullThroughRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ldi_GMSRVFNMember" abstract="true" name="GMSRVFNMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ldi_GainOnOriginationAndSaleOfLoansNet" abstract="false" name="GainOnOriginationAndSaleOfLoansNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ldi_RepaymentsOfCapitalLeaseObligations" abstract="false" name="RepaymentsOfCapitalLeaseObligations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_ForfeitureOfDividendsOnUnvestedClassARSUs" abstract="false" name="ForfeitureOfDividendsOnUnvestedClassARSUs" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_ScheduleOfUnpaidPrincipalBalanceOfLoansHeldForSaleByTypeOfLoanTableTextBlock" abstract="false" name="ScheduleOfUnpaidPrincipalBalanceOfLoansHeldForSaleByTypeOfLoanTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
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  <xs:element id="ldi_DistributionsForStateTaxes" abstract="false" name="DistributionsForStateTaxes" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ldi_ServicingAssetAtFairValueGainLossInFairValueResultingFromChangesInValuationsOrChangesInAssumptionsAndOthers" abstract="false" name="ServicingAssetAtFairValueGainLossInFairValueResultingFromChangesInValuationsOrChangesInAssumptionsAndOthers" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_ChangeInFairValueOfLoansHeldForSale" abstract="false" name="ChangeInFairValueOfLoansHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ldi_RestrictedCashAndCashEquivalentsFairValueDisclosure" abstract="false" name="RestrictedCashAndCashEquivalentsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_ProceedsFromPrincipalPaymentsOfLoansOperatingActivities" abstract="false" name="ProceedsFromPrincipalPaymentsOfLoansOperatingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ldi_EffectiveIncomeTaxRateReconciliationFederalAndStateIncomeTaxRatePercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationFederalAndStateIncomeTaxRatePercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ldi_DiscountPremiumFromLoanSales" abstract="false" name="DiscountPremiumFromLoanSales" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_RevenueFromJointVentureFees" abstract="false" name="RevenueFromJointVentureFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_ProvisionForLossObligationOnSoldLoansAndServicingRights" abstract="false" name="ProvisionForLossObligationOnSoldLoansAndServicingRights" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ldi_AccountsPayableAccruedExpensesAndOtherLiabilities" abstract="false" name="AccountsPayableAccruedExpensesAndOtherLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf2PercentAdverseChangeInDiscountRate" abstract="false" name="SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf2PercentAdverseChangeInDiscountRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_ExtinguishmentOfDebtPurchasePricePercentageOfPar" abstract="false" name="ExtinguishmentOfDebtPurchasePricePercentageOfPar" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="ldi_PutOptionsOnTreasuriesMember" abstract="true" name="PutOptionsOnTreasuriesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ldi_FinancialAsset30To89DaysPastDueMember" abstract="true" name="FinancialAsset30To89DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ldi_Facility13Member" abstract="true" name="Facility13Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="ldi_GainOnOriginationAndSaleOfLoansNetMember" abstract="true" name="GainOnOriginationAndSaleOfLoansNetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="ldi_NoncontrollingInterestOwnershipPercentage" abstract="false" name="NoncontrollingInterestOwnershipPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ldi_LoansEligibleForRepurchaseAsset" abstract="false" name="LoansEligibleForRepurchaseAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_LateAndAncillaryFeeIncomeGeneratedByServicingFinancialAssetsAmount" abstract="false" name="LateAndAncillaryFeeIncomeGeneratedByServicingFinancialAssetsAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_LoansForRepurchaseLiabilityFairValueDisclosure" abstract="false" name="LoansForRepurchaseLiabilityFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_AdjustmentsToAdditionalPaidInCapitalTaxAdjustments" abstract="false" name="AdjustmentsToAdditionalPaidInCapitalTaxAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_GainLossOnDerivativesHedgingServicingRights" abstract="false" name="GainLossOnDerivativesHedgingServicingRights" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf1PercentAdverseChangeInDiscountRate" abstract="false" name="SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf1PercentAdverseChangeInDiscountRate" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_LoansReceivableHeldForSalePrincipalPayments" abstract="false" name="LoansReceivableHeldForSalePrincipalPayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ldi_LoansHeldForSaleFairValueCumulativeAdjustmentGainLoss" abstract="false" name="LoansHeldForSaleFairValueCumulativeAdjustmentGainLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ldi_A20212SecuritizationFacilityMember" abstract="true" name="A20212SecuritizationFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ldi_Investor1Member" abstract="true" name="Investor1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ldi_ServicingAssetNetAtFairValue" abstract="false" name="ServicingAssetNetAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_WarehouseLinesOfCreditBenchmarkMember" abstract="true" name="WarehouseLinesOfCreditBenchmarkMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ldi_Investor2Member" abstract="true" name="Investor2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ldi_Facility11Member" abstract="true" name="Facility11Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ldi_LoanOriginationBrokerFeeExpense" abstract="false" name="LoanOriginationBrokerFeeExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="ldi_LoanDepotAgencyAdvanceReceivableTrustMember" abstract="true" name="LoanDepotAgencyAdvanceReceivableTrustMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ldi_GainLossOnSaleOfServicingRights" abstract="false" name="GainLossOnSaleOfServicingRights" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_Facility12Member" abstract="true" name="Facility12Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ldi_LoansReceivableHeldForSaleChangeInFairValue" abstract="false" name="LoansReceivableHeldForSaleChangeInFairValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_DirectOriginationExpense" abstract="false" name="DirectOriginationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_FairValueNetDerivativeAssetLiabilityRecurringBasisStillHeldChangeInUnrealizedGainLoss" abstract="false" name="FairValueNetDerivativeAssetLiabilityRecurringBasisStillHeldChangeInUnrealizedGainLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ldi_ReceivablesBenchmarkMember" abstract="true" name="ReceivablesBenchmarkMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ldi_A20202SecuritizationFacilityMember" abstract="true" name="A20202SecuritizationFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ldi_GainOnOriginationAndSaleOfLoans" abstract="false" name="GainOnOriginationAndSaleOfLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
