Responsible Lending

Latest news on loanDepot and current articles on the topics affecting the mortgage lending intdustry.

In the News

An Online Lending Executive Expands His Reach

National Mortgage News - January 3, 2014

Originators who work for Anthony Hsieh’s company will be fired if they fail to answer a customer email the same day they received it.

New Mortgage Rules May Mean Less Choice

CNNMoney - December 4, 2013

New rules launching early next year designed to make mortgages safer may result in less choice for borrowers.

Smaller Mortgage Lenders Lead Field

The Wall Street Journal - December 3, 2013

Big banks have been retrenching from the mortgage business recently, leaving smaller players to pick up larger chunks of business.

Initial Claims, Mortgage Rates and Retail Sales

The Street - November 11, 2013

Video - "The Street's" Nicole Urken interviews loanDepot CEO Anthony Hsieh

Interview with Anthony Hsieh

Taking Stock - November 11, 2013

Audio - "Taking Stock" with Pimm Fox and Carol Massar interview loanDepot CEO Anthony Hsieh

Shrinking Lenders in Mortgage Hub Cut Into Recovery: Real Estate

Bloomberg - October 22, 2013

LoanDepot.com, which Hsieh started in early 2010, is his third mortgage-related business. In 2002 he founded Home Loan Center Inc., which was later sold to LendingTree LLC, and in 1994 started LoansDirect.

HARP Refinance Demand Shoots Up Due to Drop in Mortgage Rates

Eastern Morning Herald - October 17, 2013

Separately, a recent survey by loanDepot revealed that slightly more than half of HARP borrowers (51%) were rejected at least once by their lenders before being able to refinance their home loans.

Falling Rates Boost HARP-refi Demand

Housing Wire - October 15, 2013

"Requirements have changed, making it possible for loanDepot to give financial relief to more homeowners. If a homeowner is current on their mortgage payments, and the loan is owned by Fannie Mae or Freddie Mac, help is available," Svinth added.

What our customers are saying

I just had my loan approved today and I am extremely happy with the service I received during the entire process. Both the Account manager (Steve) and Mortgage Banker (Jessie) were very helpful and returned my calls and emails promptly. I am very happy I chose LoanDepot even though I did not know much about them in the past. I will definitely recommend LoanDepot to my friends and colleagues.

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Rate Assumptions

* Rate displayed are subject to change and assumes that you are buying or refinancing an owner-occupied single family home, all borrowers have credit scores of 740 or higher, debt-to-income ratios of 35% or lower, asset and reserve requirements are met, and your property has a loan-to-value of 80% or less. The Annual Percentage Rate (APR) is based on a loan amount of $200,000 and may include up to 3 points. (Points include any origination, discount and lender fees.) On adjustable-rate loans, interest rates are subject to potential increases over the life of the loan, once the initial fixed-rate period expires.Please contact one of our Mortgage Bankers at 1-888-337-6888 for a customized rate and payment quote.

**Refinancing within the 60 month period is conditional on whether the program type or applicable state/federal laws contain “seasoning” restrictions that would make refinancing during a specific period illegal. For example, waiting until after the 12th month, but before the 60th month may be required. Your loan approval for the future refinance is not guaranteed. You must fully qualify for the selected refinance and meet all the requirements of the loan program you select at the time you apply for the refinance. The appraised value of your home for the future refinance is not guaranteed. There must be a full appraisal of your home when the new refinance is requested and the value at that time must be acceptable for the program and loan terms you request. The interest rate for the future refinance is not guaranteed. You will have to qualify for the loan requested, and will be quoted the interest rates in effect at the time of your next refinance.

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