<SEC-DOCUMENT>0001552781-23-000044.txt : 20230207
<SEC-HEADER>0001552781-23-000044.hdr.sgml : 20230207
<ACCEPTANCE-DATETIME>20230207171507
ACCESSION NUMBER:		0001552781-23-000044
CONFORMED SUBMISSION TYPE:	SC 13D/A
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20230207
DATE AS OF CHANGE:		20230207

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			loanDepot, Inc.
		CENTRAL INDEX KEY:			0001831631
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				853948939
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SC 13D/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-93052
		FILM NUMBER:		23596068

	BUSINESS ADDRESS:	
		STREET 1:		6561 IRVINE CENTER DRIVE
		CITY:			IRVINE
		STATE:			CA
		ZIP:			92618
		BUSINESS PHONE:		(949) 434-5964

	MAIL ADDRESS:	
		STREET 1:		6561 IRVINE CENTER DRIVE
		CITY:			IRVINE
		STATE:			CA
		ZIP:			92618

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Hsieh Anthony Li
		CENTRAL INDEX KEY:			0001655400

	FILING VALUES:
		FORM TYPE:		SC 13D/A

	MAIL ADDRESS:	
		STREET 1:		C/O LOANDEPOT,  26642 TOWNE CENTRE DRIVE
		CITY:			FOOTHILL RANCH
		STATE:			CA
		ZIP:			92610
</SEC-HEADER>
<DOCUMENT>
<TYPE>SC 13D/A
<SEQUENCE>1
<FILENAME>e23054_ldi-sc13da.htm
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>UNITED
STATES</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 14pt"><B>SECURITIES
AND EXCHANGE COMMISSION</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 12pt"><B>Washington,
D.C. 20549</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 18pt"><B>SCHEDULE
13D</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">(Rule
13d-101)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">INFORMATION
TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO <BR>
&sect;&nbsp;240.13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO &sect; 240.13d-2(a)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Under
the Securities Exchange Act of 1934<BR STYLE="font: 10pt Times New Roman, Times, Serif">
(Amendment No. 4)</B></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1pt; padding-left: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1pt; padding-left: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1pt; padding-left: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 24pt">loanDepot,
    Inc.</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Name
    of Issuer)</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Class
    A Common Stock</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Title
    of Class of Securities)</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53946R106</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(CUSIP
    Number)</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Anthony
    Hsieh</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6561 Irvine Center Drive</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Irvine, California 92618</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">202-662-6000</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Frank
    M. Conner, III</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center">Michael
    P. Reed</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Charlotte
    May</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Covington
    &amp; Burling LLP</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">One
    CityCenter</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">850
    Tenth Street, NW</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Washington,
    DC 20001</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">202-662-6000</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Name,
    Address and Telephone Number of Person<BR STYLE="font: 10pt Times New Roman, Times, Serif">
    Authorized to Receive Notices and Communications)</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">February
    7, 2023</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3" STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Date
    of Event Which Requires Filing of this Statement)</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">If the filing person
has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this
schedule because of &sect;&sect;240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box. <FONT STYLE="font-family: Wingdings">o</FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Note</B></FONT><FONT STYLE="font-size: 10pt">:
Schedules filed in paper format shall include a signed original and five copies of the schedule, including all exhibits. See Rule 13d-7
for other parties to whom copies are to be sent.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">The remainder of
this cover page shall be filled out for a reporting person&rsquo;s initial filing on this form with respect to the subject class of securities,
and for any subsequent amendment containing information which would alter disclosures provided in a prior cover page.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">The information
required on the remainder of this cover page shall not be deemed to be &ldquo;filed&rdquo; for the purpose of Section 18 of the Securities
Exchange Act of 1934 (&ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Act</U></FONT>&rdquo;) or otherwise subject
to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).</FONT></P>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; background-color: white; border-collapse: collapse">
  <TR>
    <TD STYLE="padding: 1.5pt 1.25pt; width: 3%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 4%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 4%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 4%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 85%"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></TD></TR>
  <TR>
    <TD COLSPAN="5" STYLE="border-bottom: black 1pt solid; padding-top: 1.5pt; padding-right: 1.25pt; padding-bottom: 1.5pt">CUSIP No. 53946R106</TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">1.</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; border-bottom: black 1pt solid; padding: 1.5pt 1.25pt">
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">Names of Reporting Persons</P>
    <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><BR>
    Anthony Hsieh</P></TD></TR>
  <TR>
    <TD COLSPAN="5" STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">2.</TD>
    <TD COLSPAN="3" STYLE="padding: 1.5pt 1.25pt">Check the Appropriate Box if a Member of a Group (See Instructions)</TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 1.25pt">(a)</TD>
    <TD STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD><FONT STYLE="font-family: Wingdings">o</FONT></TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD STYLE="padding: 1.5pt 1.25pt">(b)</TD>
    <TD STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD STYLE="border-top: black 1pt solid; border-bottom: black 1pt solid"><FONT STYLE="font-family: Wingdings">o</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">3.</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding: 1.5pt 1.25pt">SEC Use Only</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">4.</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding: 1.5pt 1.25pt">Source of Funds (See Instructions)<BR>
PF</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">5.</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding: 1.5pt 1.25pt">Check if Disclosure of Legal Proceedings Is Required Pursuant to Items 2(d) or 2(e) <FONT STYLE="font-family: Wingdings">o</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">6.</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding: 1.5pt 1.25pt">Citizenship or Place of Organization<BR>
United States</TD></TR>
  <TR>
    <TD COLSPAN="5" STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD></TR>
  <TR>
    <TD COLSPAN="3" ROWSPAN="7">Number of<BR>
Shares<BR>
Beneficially<BR>
Owned by<BR>
Each<BR>
Reporting<BR>
Person With</TD>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">7.</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1.5pt 1.25pt">Sole Voting Power<BR>
4,244,205</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">8.</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1.5pt 1.25pt">Shared Voting Power<BR>
147,657,247</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">9.</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1.5pt 1.25pt">Sole Dispositive Power<BR>
4,244,205</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">10.</TD>
    <TD STYLE="border-bottom: black 1pt solid; padding: 1.5pt 1.25pt">Shared Dispositive Power<BR>
147,657,247</TD></TR>
  <TR>
    <TD COLSPAN="5" STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">11.</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding: 1.5pt 1.25pt">Aggregate Amount Beneficially Owned by Each Reporting Person<BR>
151,901,452</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">12.</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding: 1.5pt 1.25pt">Check if the Aggregate Amount in Row (11) Excludes Certain Shares (See Instructions) <FONT STYLE="font-family: Wingdings">o</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">13.</TD>
    <TD COLSPAN="3" STYLE="vertical-align: bottom; border-bottom: black 1pt solid; padding: 1.5pt 1.25pt">Percent of Class Represented
    by Amount in Row (11)<BR>
    68.9<SUP>1,2</SUP></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="5" STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD></TR>
  <TR>
    <TD STYLE="padding: 1.5pt 1.25pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; padding: 1.5pt 1.25pt">14.</TD>
    <TD COLSPAN="3" STYLE="border-bottom: black 1pt solid; padding: 1.5pt 1.25pt">Type of Reporting Person (See Instructions)<BR>
IN</TD></TR>
  </TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>1</SUP></FONT></TD><TD STYLE="text-align: justify; width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Calculated
in accordance with the SEC&rsquo;s rules for calculating &ldquo;beneficial ownership,&rdquo; which requires the Reporting Person to assume
conversion of all of such person&rsquo;s Class C Common Stock but conversion of no other Class C Common Stock.</FONT></TD>
</TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1%; text-align: left"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><SUP>2</SUP></FONT></TD><TD STYLE="text-align: justify; width: 99%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Based
on 72,888,197 shares of the Issuer&rsquo;s Class A Common Stock outstanding on January 9, 2023 as provided by the Issuer in connection
with the Reporting Person&rsquo;s Schedule 13D/A filed with the SEC on January 10, 2023.</FONT></TD>
</TR></TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Explanatory
Note</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; background-color: white"><FONT STYLE="font-size: 10pt">This
Amendment No. 4 (&ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Amendment No. 4</U></FONT>&rdquo;) to Schedule 13D
(this &ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Schedule 13D</U></FONT>&rdquo;) is filed by Anthony Hsieh (the
&ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Reporting Person</U></FONT>&rdquo;) and relates to the beneficial
ownership of certain shares of Class A Common Stock, par value $0.001 per share (the &ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Class
A Common Stock</U></FONT>&rdquo;), of loanDepot, Inc., a Delaware corporation (&ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>loanDepot</U></FONT>&rdquo;
or the &ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Issuer</U></FONT>&rdquo;). Amendment No. 4 amends the initial
statement on Schedule 13D filed by the Reporting Person on November 16, 2021, as amended on April 26, 2022, May 6, 2022 and January 10,
2023 (as amended prior to the date hereof, the &ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Original Filing</U></FONT>,&rdquo;
and as amended by this Amendment No. 4, the &ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Statement</U></FONT>&rdquo;)
and is being filed to describe a letter delivered to the Issuer by the Reporting Person on February 7, 2023. Except as specifically
provided herein, this Amendment No. 4 does not modify any of the information previously reported in the Original Filing. Capitalized
terms used but not defined have the meaning given them in the Original Filing.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Item
4. Purpose of Transaction</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">The penultimate
paragraph of Item 4 of the Original Filing is hereby deleted and amended and restated as set forth below:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">As previously disclosed,
as a result of the Reporting Person&rsquo;s ownership and control of the shares described herein, the Reporting Person is in a position
to control the outcome of certain matters submitted to the holders of Class A Common Stock of the Issuer or within the powers of the
holders of Class A Common Stock of the Issuer, including, but not limited to, the nomination and election of directors, charter and bylaw
amendments, and mergers and other business combinations. Subject to the fiduciary responsibilities of the directors to the Issuer, the
Reporting Person, through his ability to control the outcome of any election of directors, is able to direct management policy, strategic
direction and financial decisions of the Issuer. Depending on market conditions and other factors (including evaluation of the Issuer&rsquo;s
businesses and prospects, availability of funds, alternative uses of funds and general economic conditions), the Reporting Person may
from time to time acquire additional securities of the Issuer or dispose of all or a portion of the investment in the Issuer. The Reporting
Person reserves the right to, and may in the future choose to, change his purpose with respect to his investment and intends to use his
position as a stockholder and director to influence the operations, business and management of the Issuer and to take such actions as
he deems appropriate in light of the circumstances.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">On February 7,
2023, the Reporting Person delivered a letter to the Issuer (the &ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Nomination
Letter</U></FONT>&rdquo;), dated February 7, 2023, nominating Steve Ozonian (the &ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Nominee</U></FONT>&rdquo;),
for election to the Issuer&rsquo;s Board of Directors (the &ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Board</U></FONT>&rdquo;)
at the Issuer&rsquo;s 2023 annual meeting of stockholders, or any other meeting of stockholders held in lieu thereof, together with any
adjournments, recesses, postponements, reschedulings or continuations thereof (the &ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Annual
Meeting</U></FONT>&rdquo;). As evidenced by his detailed biography below, the Nominee has deep knowledge and experience with the consumer
fintech and real estate industries. The Reporting Person believes that the Nominee would be independent under all applicable standards
and that the Nominee's experience and perspective will be additive to the Board at this critical juncture for the Issuer.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">On February 7,
2023, the Reporting Person furnished a letter to Issuer stockholders (&ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Stockholder
Letter</U></FONT>&rdquo;), explaining, among other things, that as the founder and largest voting stockholder of the Issuer, he has nominated
a highly accomplished and independent Nominee for election to the Board at the Annual Meeting and the Reporting Person&rsquo;s belief
that the Nominee&rsquo;s experience with consumer fintech and real estate leadership will be crucial to assisting the Issuer in overcoming
the challenges the Issuer now faces. The full text of the letter is attached hereto as Exhibit 99.1 and is incorporated herein by reference.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0.5in; text-align: justify; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Steve
Ozonian</B></FONT><FONT STYLE="font-size: 10pt">, 67, currently serves and has served as CEO of the Williston Financial Group (&ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Williston</U></FONT>&rdquo;)
since August 2017 and currently serves and has served on Williston&rsquo;s Board of Directors since 2011. Mr. Ozonian currently serves
and has served on the Board of Directors of LendingTree, Inc. (Nasdaq: TREE) (&ldquo;<FONT STYLE="font-family: Times New Roman, Times, Serif"><U>LendingTree</U></FONT>&rdquo;)
since 2011 and previously served on the LendingTree Board of Directors from August 2008 to November 2010. Mr. Ozonian currently serves
as the Lead Independent Director, Chair of the Audit Committee and Chair of the Compensation Committee of LendingTree. Mr. Ozonian previously
served as Chief Executive Officer of LendingTree&rsquo;s proprietary full service real estate brokerage business, known as RealEstate.com,
between November 2010 and March 2011. Mr. Ozonian previously served as the Chairman of the Board of Directors of Global Mobility Solutions,
a global provider of human resources and real estate services. Mr. Ozonian has held other high-level positions in the homeownership industry
including Chairman and CEO of Prudential&rsquo;s real estate and related businesses, CEO of Realtor.com and National Homeownership Executive
for Bank of America. Mr. Ozonian is a member of the Board of Directors of Attom Data, a real estate data services company. Mr. Ozonian
is also a member of the Board of Directors of Inside Real Estate, a real estate software services provider to the residential real estate
industry.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">The Reporting Person has engaged, and intends
to continue to engage, in discussions with management and the Board of the Issuer regarding Board representation and the composition
of the Issuer&rsquo;s Board, generally.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Item
5. Interest in Securities of the Issuer</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; background-color: white"><FONT STYLE="font-size: 10pt">(a),
(b) The information relating to the beneficial ownership of the Class A Common Stock by the Reporting Person set forth in Rows 7 through
13 of the cover page hereto and the related footnotes are incorporated by reference herein and is as of the date hereof. Such information
assumes there are 72,888,197 shares of the Issuer&rsquo;s Class A Common Stock outstanding on January 9, 2023 as provided by the Issuer
in connection with the Reporting Person&rsquo;s Schedule 13D/A filed with the SEC on January 10, 2023. The Reporting Person also owns
92,644 unvested restricted stock units of the Company. By virtue of the relationship among the Reporting Person and the Class C Stockholders
described in Item 2, the Reporting Person may be deemed to share the power to vote or direct the vote and to share the power to dispose
of or direct the disposition of the shares of Class A Common Stock as set forth in rows 7 through 13 of the cover pages of this Statement.
The filing of this Statement shall not be construed as an admission that such individual is, for the purpose of Section 13(d) or 13(g)
of the Exchange Act, the beneficial owner of any securities covered by this Statement. Certain of the shares obtainable upon exchange
of Class C Common Stock are required to be delivered to third parties and would not be retained by the Reporting Person upon exchange.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.25in; background-color: white"><FONT STYLE="font-size: 10pt">(c)
No transactions in the Class A Shares were effected by the Reporting Person since the Reporting Person&rsquo;s most recent filing on
Schedule 13D.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Item
7. Material to be Filed as Exhibits</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">99.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Letter
from Anthony Hsieh to stockholders of loanDepot, Inc.</FONT></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SIGNATURES</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">After reasonable
inquiry and to the best of my knowledge and belief, I certify that the information set forth in this amendment is true, complete and
correct.</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; background-color: white; border-collapse: collapse">
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top; background-color: transparent">
    <TD STYLE="width: 9%">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; width: 2%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; width: 38%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt; width: 51%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD COLSPAN="3"><FONT STYLE="font-size: 10pt">Anthony Li Hsieh</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; text-align: left"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt"><FONT STYLE="font-size: 10pt">/s/ Anthony Li Hsieh</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD>&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-top: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-right: 1.25pt; padding-left: 1.25pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  </TABLE>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">Dated: February
7, 2023</FONT></P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>SCHEDULE
13D</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>INDEX
TO EXHIBITS</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; background-color: white"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; background-color: white"><FONT STYLE="font-size: 10pt">99.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<A HREF="e23054_ex99-1.htm">Letter from Anthony Hsieh to stockholders of loanDepot, Inc.</A></FONT></P>

<DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; padding-bottom: 6pt; border-bottom: Gainsboro 2pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>e23054_ex99-1.htm
<TEXT>
<HTML STYLE="font: 10pt Times New Roman, Times, Serif">
<HEAD STYLE="font: 10pt Times New Roman, Times, Serif">
     <TITLE STYLE="font: 10pt Times New Roman, Times, Serif"></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><B>Exhibit
99.1</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Anthony</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; letter-spacing: -0.1pt">Hsieh</FONT></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.05pt 0 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 4.55pt 0 0 5pt">Dear Fellow loanDepot <FONT STYLE="letter-spacing: -0.1pt">Stockholders:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.05pt 4.8pt 0 5pt; text-indent: 0.5in">As the founder and largest voting
stockholder of loanDepot, Inc. (NYSE: LDI), on February 7, 2023, I nominated Steve Ozonian, a highly accomplished, independent real estate
executive, for election to the Board of Directors of the Company at the Company&rsquo;s upcoming 2023 <FONT STYLE="letter-spacing: -0.15pt">A</FONT>nnual
Meeting of stockholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.05pt 4.8pt 0 5pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.05pt 4.8pt 0 5pt; text-indent: 0.5in">This is not a decision I came to lightly.
The past year has been difficult. In the face of challenge, I firmly believe it is important to seek out fresh perspectives. As leaders
of this Company and stewards of stockholder capital, the Board must always challenge itself to be a dynamic center of passionate, informed
and relevant perspectives to help guide the Company to future success.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.05pt 4.8pt 0 5pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.05pt 4.8pt 0 5pt; text-indent: 0.5in">Mr. Ozonian&rsquo;s experience and
perspective will be additive to the loanDepot Board of Directors at this critical juncture for the Company. The recent rise in rates
and challenging macroeconomic environment make Mr. Ozonian&rsquo;s potential appointment all the more urgent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.05pt 4.8pt 0 5pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.05pt 4.8pt 0 5pt; text-indent: 0.5in">I had hoped that the Board of Directors
as a whole would support Mr. Ozonian&rsquo;s nomination and acknowledge what I view as an urgent need for board refreshment. I have sought
to engage with the Board to consider Mr. Ozonian and the need for refreshment over the past few months but there has been no appetite
for meaningful discussions. Instead, I have only seen signals that leave me very concerned that the scourge of board entrenchment is taking
hold. The Board&rsquo;s recent decision to create a committee that excludes me and my director designee &mdash; in order to contest Mr.
Ozonian&rsquo;s nomination &mdash; only accentuates this concern, as does its decision that I should no longer serve as Executive Chairman.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.05pt 4.8pt 0 5pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 6pt 0 5pt; text-indent: 0.5in">As the largest single stockholder of the
Company, I have an obligation to act. Holding over a 40% economic interest, I have a clear incentive to see the Company succeed and am
aligned with stockholders in pursuing the objective of creating long-term value. I believe my fellow stockholders will see Mr. Ozonian&rsquo;s
experience with consumer fintech and real estate leadership as crucial to navigating the challenges the current market presents loanDepot.
I have come to know Mr. Ozonian professionally over the years and have great respect for his accomplishments in &ndash; and deep knowledge
of &ndash; the real estate and consumer fintech industries. We are not affiliated in any way, and he qualifies as an independent director
under all applicable standards. There are no agreements between us as to how he would address any issue that would come before the Board.
My objective in nominating him is for the Company to have the benefit of his remarkable experience to help position the Company to succeed
in its current operating environment. I beneficially own an aggregate of approximately 57.3% of the combined voting power of the Company&rsquo;s
outstanding common stock. I intend to vote all shares of common stock that I beneficially own in favor of Mr. Ozonian.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.05pt 4.8pt 0 5pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.05pt 9.1pt 0 5pt; text-indent: 0.5in">Since my founding of the Company in
2010, it has been our goal to deliver the American Dream of home ownership to individuals and families across the nation. We have always
believed that online demand for mortgage products and services was going to grow as millennials purchased their first homes, and we believed
the market would gravitate to originators with a recognizable brand that could deliver seamless experiences on par with emerging and best-in-class
digital technologies. As a result of our dedication to this vision and a relentless commitment to thinking and doing differently to maximize
innovation, we have built a company that harnesses technology and data to serve our customers throughout the entire loan transaction in
a way that is personalized, convenient, and fast. I am very proud of what this Company has accomplished. However, like most mortgage businesses,
we face significant challenges in the current interest rate and operating environment.</P>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.05pt 9.1pt 0 5pt; text-indent: 0.5in">I have worked to convey the challenges
on the horizon to the Board for months, but my pushes to bring fresh perspectives and additive skillsets to the Board have been unsuccessful.
As I have told the Board, for us to overcome the current challenges and continue to provide exceptional service to our customers
and value to our stockholders, we will need to continue to innovate. Having Mr. Ozonian on our Board helps us do just that.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 5pt; text-indent: 31pt">There are currently eight directors serving on the
Board, only two of whom have terms expiring at the Annual Meeting. When I raised the idea of adding Mr. Ozonian to the Board, I suggested
that the Board consider replacing one of its directors who is not up for election this year with Mr. Ozonian. My understanding is that
certain members of the Board do not wish to do so. I also understand that certain members of the Board intend to nominate the two incumbent
directors whose terms expire at this year&rsquo;s Annual Meeting, Andrew Dodson and Pamela Hughes Patenaude, for re-election at the 2023
Annual Meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 5pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 5pt; text-indent: 0.5in">Mr.&nbsp;Dodson is a representative of Parthenon
Capital, LLC. Per a stockholders agreement, I have previously committed to vote for the <FONT STYLE="letter-spacing: -0.05pt">election
as director of the Company the </FONT>representative of Parthenon, and I intend to honor that commitment. Given the voting power I have,
my commitment to vote for Andrew Dodson will result in his election at the Annual Meeting. Therefore, unless the Nominating and Governance
Committee demonstrates willingness to consider alternative options of adding Mr. Ozonian to the Board, my nomination of Mr. Ozonian will,
by default, result in a challenge to the re-election of Ms. Patenaude. My decision to nominate Mr. Ozonian is not intended to target Ms.
Patenaude personally, nor is it a negative reflection on the current management team and the wonderful people of loanDepot. It is simply
a reflection of the urgency I believe is necessary to address the Company&rsquo;s challenges by appointing a director with significant
and relevant operating experience.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 5pt; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 5pt; text-indent: 0.5in">As I have stated, I have significant economic
interest in the long-term performance of loanDepot. I do not take this decision lightly. I remain hopeful that the Board will change its
position and seek to engage constructively with me regarding the potential appointment of Mr. Ozonian. I founded this Company with a passion
for delivering the American Dream of home ownership to individuals and families across the nation. That passion still burns just as bright,
if not brighter, today. My interests and motivation behind this decision are those of a founder and long-term stockholder of loanDepot
who wants to see the Company reach its full potential.</P>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Thank
    you for your <FONT STYLE="letter-spacing: -0.1pt">support,</FONT></FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">/s/ Anthony Hsieh</TD></TR>
  <TR STYLE="font: 10pt Times New Roman, Times, Serif; vertical-align: top">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Anthony <FONT STYLE="letter-spacing: -0.1pt">Hsieh</FONT></FONT></TD></TR>
  </TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Biography of Steve <FONT STYLE="letter-spacing: -0.1pt">Ozonian</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0.35pt 0 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Steve Ozonian, 67, currently serves and has served
as CEO of the Williston Financial Group since August 2017 and currently serves and has served on Williston&rsquo;s Board of Directors
since 2011. Mr. Ozonian currently serves and has served on the Board of Directors of LendingTree, Inc. since 2011 and previously served
on the LendingTree Board of Directors from August 2008 to November 2010. Mr. Ozonian currently serves as the Lead Independent Director,
Chair of the Audit Committee, and Chair of the Compensation Committee of LendingTree. Mr. Ozonian previously served as Chief Executive
Officer of LendingTree&rsquo;s proprietary full service real estate brokerage business, known as RealEstate.com, between November 2010
and March 2011. Mr. Ozonian also previously served as the Chairman of the Board of Directors of Global Mobility Solutions, a global provider
of human resources and real estate services. Mr. Ozonian has held other high-level positions in the homeownership industry including Chairman
and CEO of Prudential&rsquo;s real estate and related businesses, CEO of Realtor.com, and National Homeownership Executive for Bank of
America. Mr. Ozonian is a member of the Board of Directors of Attom Data, a real estate data services company. Mr. Ozonian is also a member
of the Board of Directors of Inside Real Estate, a real estate software services provider to the residential real estate industry.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10.3pt 0 0; text-align: center"><B>CERTAIN INFORMATION CONCERNING THE PARTICIPANTS</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10.3pt 0 0">Anthony Hsieh (the &ldquo;Investor&rdquo;), may file a preliminary
and definitive proxy statement and accompanying proxy card with the U.S. Securities and Exchange Commission (&ldquo;SEC&rdquo;) to be
used to solicit votes for the election of the Investor&rsquo;s director nominee at the 2023 annual meeting of stockholders of loanDepot,
Inc., a Delaware corporation (the &ldquo;Company&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10.3pt 0 0">THE INVESTOR STRONGLY ADVISES ALL STOCKHOLDERS OF THE COMPANY
TO READ THE PRELIMINARY AND THE DEFINITIVE PROXY STATEMENTS AND OTHER PROXY MATERIALS IF AND WHEN THEY BECOME AVAILABLE BECAUSE THEY WILL
CONTAIN IMPORTANT INFORMATION. SUCH PROXY MATERIALS WILL BE AVAILABLE AT NO CHARGE ON THE SEC&rsquo;S WEB SITE AT HTTP://WWW.SEC.GOV.
IN ADDITION, THE PARTICIPANTS IN THIS PROXY SOLICITATION WILL PROVIDE COPIES OF THE PROXY STATEMENTS AND OTHER PROXY MATERIALS WITHOUT
CHARGE, IF AND WHEN AVAILABLE, UPON REQUEST. REQUESTS FOR COPIES SHOULD BE DIRECTED TO THE PARTICIPANTS&rsquo; PROXY SOLICITOR.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10.3pt 0 0">The participants in the proxy solicitation are anticipated to
be Anthony Hsieh and Steven Ozonian.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10.3pt 0 0">As of the date hereof, Anthony Hsieh beneficially owns 4,244,205
shares of Class A Common Stock, par value $0.001 per share, of the Company. The Investor also beneficially owns 147,657,247 shares of
Class C Common Stock, par value $0.001 per share, of the Company. As of the date hereof, Steve Ozonian does not own any shares of common
stock or any other securities of the Company.</P>

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