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Domain Due Diligence
Report for Loandepot.com

Report Date December 19, 2025
Recommendation
Caution
Overall Summary
Safe
Why we think so

loandepot.com is a major U.S.-based mortgage lender, recognized as the second largest non-bank in the sector. It offers online mortgage application and refinancing services across all 50 states, attracting about 840,000 monthly visits primarily from U.S. users. The site employs professional-grade technical infrastructure with trusted providers like Akamai and Microsoft Azure. Its SSL certificate is valid through September 2026, confirming secure communications. Several trademark registrations confirm its established brand. Customer feedback is mixed: many praise its fast loan processing and knowledgeable staff, but there are persistent complaints about aggressive sales tactics, loan servicing issues, and data security. Notably, in early 2024, the company experienced a large data breach affecting up to 17 million customers. Regulatory audits have identified quality control shortcomings. Multiple lawsuits allege regulatory violations and customer harm, but no evidence labels it a scam. Overall, loandepot.com is a major legitimate business with some operational and service concerns you should consider before engaging.

Confidence Score
78%

Risk Insights

🛡️

Strong Technical Foundation

Uses Akamai, Microsoft Azure for hosting and CDN
Valid SSL certificate until 2026
Clean domain age and registrar info
⚠️

Mixed Customer Reputation

Positive reviews for fast service and knowledgeable staff
Complaints about aggressive sales & servicing errors
Major 2024 data breach impacted ~17 million customers
✅

Registered Trademarks Confirm Brand

Multiple USPTO live trademarks under LOANDEPOT
Trademarks cover financial and loan services
Supports legitimate brand claims
⚠️

Ongoing Legal & Regulatory Issues

Class-action lawsuits allege loan originator compensation rule violations
HUD audit flagged quality control deficiencies
Lawsuit vs competitor for poaching and fraud

Contradictory Signals

While LoanDepot is a legitimate, well-established lender, operational and service issues reduce overall trust score.

Signal A: Strong technical and legal brand presence

Signal B: Numerous customer complaints and major data breach

Category Scores

Identity 90/100
Reputation 70/100
Technical 85/100
Content 75/100
Legal 65/100
Business Validity 80/100

Red Flags & Warnings

  • Data breach in early 2024 exposed personal data of approximately 17 million customers.
  • Numerous customer complaints about aggressive sales tactics, servicing errors, and poor communication.
  • Regulatory audit found insufficient quality control on FHA loans.
  • Multiple ongoing lawsuits alleging loan originator compensation violations and other disputes.

🔎 Detailed Checks & Analysis

Domain Technical Health and Traffic

Score: 85/100
Passed

"Reliable technology stack and solid traffic indicate legitimacy."

Reason: The site uses reputable tech providers like Akamai and Azure, has strong monthly visits (~840K), and good direct and search traffic shares.

Traffic Volume & Engagement Metrics

Score: 80/100
Passed

"Stable, targeted traffic with long sessions supports authenticity."

Reason: Monthly visits exceed 800,000 with low bounce rate (~25%) and nearly 7 pages per visit, showing engaged users relevant to the mortgage niche.

WHOIS, Domain Age & SSL Validity

Score: 90/100
Passed

"Long domain age and valid SSL are strong positive indicators."

Reason: Registered with Network Solutions since 1995 with valid SSL cert until 2026.

Trademark Records & Brand Claims

Score: 90/100
Passed

"Registered trademarks reinforce brand legitimacy."

Reason: Multiple active USPTO trademarks for LOANDEPOT across mortgage-related categories.

Crypto Scam & Secure Browsing Blacklists

Score: 80/100
Passed

"No known red flags for phishing or malware."

Reason: No matches on crypto scam or Google Safe Browsing blacklists.

Google Places Presence & Reviews

Score: 75/100
Passed

"Multiple verified branch listings."

Reason: Physical locations with mostly positive reviews reinforces genuine physical presence.

Recent News and Media Coverage

Score: 80/100
Passed

"Active media presence with responsible coverage."

Reason: Recent business and leadership news without fraudulent claims or advisories.

Reputation, Complaints, and Lawsuits

Score: 60/100
Passed

"Operational issues present but no evidence of scam."

Reason: Mixed customer feedback with complaints about sales tactics, servicing problems, data breach; ongoing lawsuits related to compensation and regulatory compliance. No confirmed scam or fraud verdicts.

Your Next Steps

  • 1
    If considering LoanDepot for mortgage services, obtain detailed written loan estimates from multiple lenders for comparison as rates are not listed upfront.
  • 2
    Clarify all loan terms, especially PMI removal policies, in writing before proceeding.
  • 3
    Be cautious of marketing calls and document any requests to stop communications.
  • 4
    Monitor your credit reports and loan payments carefully, particularly if your loan is transferred.
  • 5
    Review recent news and complaints to stay updated on any ongoing operational or legal issues.

Evidence & Citations

🕵🏻 Keep investigating

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