$LDI $50k YOLO. Don't sleep on this multibagger, last week to load up

YOLO $50k into LDI. 12/19 5C. Okay its time for $LDI 2 - Electric Boogaloo and here's why:

1. The market moves up and prices stocks based on anticipation. The first run on LDI from $2 to $5 happened because of this and the Citron report in the lead up to the Sep 17, 2025 rate decision. However, the drop is a YOLO opportunity because more rate cuts are coming. The next one is October 29, 2025 and then December 10, 2025. The Citron research is still valid and the servicing business alone is worth $5.5

The CME Fedwatch is currently at 94.6% chance of a cut in October https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html. This is NOT priced in because of uncertainties with the government shutdown and BLS not being able to release full unemployment statistics. However, Daddy JPow has already indicated they know the labor market is in bad shape. And all other indicators like the JOLTs job openings and ADP private sector reports still indicate that the job market has worsened and the Fed will make a note of these.

2. LDI is reporting earnings on Nov 4 for the July to September 2025 quarter. The current EPS consensus is -0.06. I expect them to beat this comfortably owing to the surging mortgage refinance demand in September 2025. This quarter in 2025 consistently had double digits growth in mortgage volume compared to 2024 and LDI is great at retaining business. They have excellent customer reviews and ease of doing business.

* [https://www.cnbc.com/select/mortgage-refinancing-demand-is-up/](https://www.cnbc.com/select/mortgage-refinancing-demand-is-up/)
* [https://nationalmortgageprofessional.com/news/mortgage-applications-nearly-30-rates-hit-year-low](https://nationalmortgageprofessional.com/news/mortgage-applications-nearly-30-rates-hit-year-low)
* [https://finance.yahoo.com/personal-finance/mortgages/article/mortgage-refinance-rates-today-tuesday-september-30-2025-100046712.html](https://finance.yahoo.com/personal-finance/mortgages/article/mortgage-refinance-rates-today-tuesday-september-30-2025-100046712.html)

LDI will also indicate that the uptick in business volume due to the anticipated lower interest rate environment will be great for the coming quarters. Therefore, with EPS beat and great future guidance, the stock will pump on earnings.

3. LDI has brought back the founder, Anthony Hsieh, to bring the company back on track and put it on the right path. The CEO selling shares is way overblown. He sold a few of his shares held by a trust. However, he still controls majority voting rights with 113 million shares in the company if you look up the latest Schedule 13D. [https://www.sec.gov/Archives/edgar/data/1831631/000155278125000291/xslSCHEDULE\_13D\_X01/primary\_doc.xml](https://www.sec.gov/Archives/edgar/data/1831631/000155278125000291/xslSCHEDULE_13D_X01/primary_doc.xml)

TLDR; October and December rate cuts are not priced in. The earnings report will beat and have good future guidance. Stock will pump. This is the last week to get in BEFORE the price starts moving up in anticipation next week and the October 29 rate cut + November 4 earnings will moon the stock and the December rate cut will be no looking back. 10 year yield will eventually drop to 4% and below by December.

They are a great business with actually good products and customer experience [https://www.loandepot.com/](https://www.loandepot.com/)

I have $50k in December 2025 5C and the PT is $6 - $8 by December.