loanDepot
Irvine, California · HQ in Orange County · NMLS #174457
loanDepot.com, LLC (NMLS #174457) is a national retail mortgage lender headquartered in Irvine, California. It offers purchase and refinance mortgages across a multi-state footprint, including material Florida activity in 2025 HMDA data.
Research Score
50 / 100
Re-checkable NMLS identity, third-party reputation snapshots when present, complaint-pattern context, and field completeness. Editorial research composite only.
Data Confidence
87 / 100
High data confidence
NMLS / License Status
NMLS ID verified
NMLS #174457 — re-confirm on NMLS Consumer Access before applying.
Local Market Evidence
Local market evidence · Orange County
HQ locality derived from listed_county (Irvine)
Does not measure approval odds, interest rates, closing speed, or future service quality. Not a regulator grade or NMLS endorsement. Methodology
Score factors
- NMLS identity evidence: 28/28 — NMLS #174457 — re-confirm on NMLS Consumer Access before applying.
- Third-party reputation snapshot: 0/26 — No review volume on file
- CFPB complaint pattern: 8/16 — Catalog shows 0 complaints — treated as unverified default, not a clean bill of health
- BBB grade (catalog): 0/12 — Grade A listed in seed data — not scored until independently sourced (confirm on BBB.org)
- Licensed locality completeness: 8/12 — Derived HQ locality: Orange County (listed_county)
- Loan type disclosure: 6/6 — 5 loan type(s) listed
Closing timelines are only shown when backed by a documented observed dataset (source, sample size, window). Seed or editorial estimates are not displayed. Hub methodology. Research listing only — not an endorsement of this lender. Re-verify NMLS #174457 on NMLS Consumer Access.
Loan Types
Specialties
Public metrics (provenance-gated)
Raw count as listed — not size-normalized. A complaint is not a finding of wrongdoing.
Self-described product focus as listed — not underwriting criteria.
Third-party review and BBB snapshots are suppressed until independently retrieved. Volume ranks are not shown without a documented source.
Federal mortgage data
What the federal data shows
Source: 2025 HMDA · Florida activity only · Not a score or ranking
Among tracked high-volume counties
Originated + denied + approved not accepted
Top counties by originations
- Pasco County1,298
- Manatee County908
- Lee County870
- Polk County857
- Miami-Dade County790
Loan-type mix (Florida originations)
Market share in key counties
Share of county originations among all HMDA filers in that county (shown when ≥ 1%).
- Pasco County1,298 originations · 6.9% share
- Manatee County908 originations · 7.1% share
- Lee County870 originations · 3.8% share
- Polk County857 originations · 4.3% share
- Miami-Dade County790 originations · 2.3% share
- Hillsborough County771 originations · 2.5% share
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
Consumer complaint context
What the CFPB complaint database shows
Source: CFPB Consumer Complaint Database · Mortgage product only · Not a score or ranking
Cumulative published rows for matched company name(s)
~24-month window from snapshot date
2,459 yes · 43 no
Top complaint issues
- Trouble during payment process811(32.4%)
- Applying for a mortgage or refinancing an existing mortgage588(23.5%)
- Closing on a mortgage360(14.4%)
- Struggling to pay mortgage265(10.6%)
- Application, originator, mortgage broker166(6.6%)
Company response (as published)
- Closed with explanation2,293(91.6%)
- Closed with monetary relief119(4.8%)
- Closed with non-monetary relief68(2.7%)
- In progress20(0.8%)
- Closed without relief2(0.1%)
40.2complaints / 1,000 FL originations
Uses recent (~24 month) national mortgage complaints (430) and Florida HMDA originations (10,692, 2025). These windows are not the same market or period — this is rough size context only, not a ranking or fault finding.
Matching & scope
loanDepot-related mortgage complaints commonly publish under “LD Holdings Group, LLC” in CFPB (holding company label).
CFPB company name(s): LD Holdings Group, LLC
Complaints are national (CFPB mortgage product). HMDA originations on this site are currently Florida-focused for matched LEIs. A per-1,000 rate mixes national complaint volume with state originations — use only as rough size context, not a score. Linked Florida HMDA originations (2025): 10,692.
Data as of 2026-08-09. Complaint counts come from the public CFPB Consumer Complaint Database (mortgage product only). They are not a finding of fault, not size-normalized by default, and are not a rating or ranking. Larger originators and servicers naturally attract more complaints. CFPB Consumer Complaint Database. We show the public record. You decide.
Data aggregated from NMLS, CFPB, BBB, Google, and Trustpilot for informational purposes. Lender Trust Hub is not a lender or broker and does not provide financial advice.