loanDepot (LDI) Debt Ratio (2020 - 2026)

loanDepot (LDI) posted Debt Ratio of 0.29 for Q1 2026, down 4.72% on a QoQ basis from 0.31 in Q4 2025, and down 7.19% year-over-year from 0.31 in Q1 2025.

loanDepot (LDI) Debt Ratio (2020 - 2026) Analysis & Trends

loanDepot's Debt Ratio history runs 7 years deep, the most recent figure standing at 0.29 for Q1 2026.

  • Quarterly Debt Ratio fell 7.19% year-over-year to 0.29 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 0.29 (down 7.19% YoY) and the FY2025 annual result came in at 0.31, down 4.16% from the prior year.
  • Debt Ratio was 0.29 for Q1 2026 at loanDepot, down from 0.31 in the prior quarter.
  • Across five years, Debt Ratio topped out at 0.37 in Q1 2024 and bottomed at 0.03 in Q3 2024.
  • A 5-year average of 0.31 and a median of 0.33 in 2025 frame the typical range for Debt Ratio.
  • Annual changes were most pronounced in 2024 — Debt Ratio tumbled 91.41% — and 2025, when it jumped 974.34%.
  • loanDepot's Debt Ratio stood at 0.35 in 2022, then gained by 6.74% to 0.37 in 2023, then fell by 13.57% to 0.32 in 2024, then declined by 4.16% to 0.31 in 2025, then decreased by 4.72% to 0.29 in 2026.
  • Business Quant data shows LDI's Debt Ratio at 0.29 in Q1 2026, 0.31 in Q4 2025, and 0.33 in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Debt Ratio (Qtr)
1 Rocket Companies 38.33 Bn 35.64 Bn - 0.18
2 Federal National Mortgage Association Fannie Mae 35.67 Bn 35.67 Bn - -
3 Federal Home Loan Mortgage 18.11 Bn 13.64 Bn - 0.06
4 PennyMac Financial Services 4.41 Bn 3.76 Bn 523.89 Mn 0.04
5 CNFinance Holdings 3.28 Bn 3.20 Bn - 0.27
6 Walker & Dunlop 1.64 Bn 1.44 Bn - 0.13
7 Velocity Financial 681.36 Mn -6.51 Bn - 0.08
8 UWM Holdings 540.43 Mn 116.43 Mn - 0.00
9 Better Home & Finance Holding 362.34 Mn 298.07 Mn - 0.13
10 loanDepot 116.93 Mn -46.56 Mn - 0.29

Historic Data

Download Data
DateValue
Mar 31, 2026 0.29
Dec 31, 2025 0.31
Sep 30, 2025 0.33
Jun 30, 2025 0.33
Mar 31, 2025 0.31
Dec 31, 2024 0.32
Sep 30, 2024 0.03
Jun 30, 2024 0.33
Mar 31, 2024 0.37
Dec 31, 2023 0.37
Sep 30, 2023 0.36
Jun 30, 2023 0.36
Mar 31, 2023 0.37
Dec 31, 2022 0.35
Sep 30, 2022 0.31
Jun 30, 2022 0.26
Mar 31, 2022 0.18
Dec 31, 2021 0.14
Sep 30, 2021 0.11
Jun 30, 2021 0.11