Why loanDepot? The pioneers that first brought direct-to-consumer lending to mainstream America are back at it again, serving our customers with low rates, fast closings, and more educational resources than ever before. In these challenging and changing economic times, it's more important than ever to choose a home loan partner you can trust who will be there for years to come. The members of our executive management team have led the industry for over twenty-five years and launched and built two start-ups that merged with well-known publicly-traded companies. Both companies, E*TRADE Mortgage (NASDAQ: ETFC) and LendingTree Loans (NASDAQ: TREE) are still in operation today. Despite the current environment, we have been able to emerge stronger than ever before, by delivering a great product with exceptional service and value. Even more important is the team's unblemished track record and history of responsible lending, the positive result of simply following our guiding principles of always putting our customers first.