LoanDepot, LLC recently announced that it has officially filed a registration statement with the U.S. Securities and Exchange Commission (SEC) for a proposed initial public offering (IPO).A press release from the company noted that the IPO was filed on Form S-1 with the SEC relating to its Class A common stock. A registration statement on Form S-1 relating to these securities has been filed with the Commission but has not yet become effective.LoanDepot also noted that the number of shares to be offered and the price range for the proposed offering have not yet been determined.BMO Capital Markets is acting as co-manager for the proposed offering, the release stated. Morgan Stanley, Goldman, Sachs & Co., Wells Fargo Securities, Barclays, and UBS Investment Bank are acting as joint book-running managers for the proposed offering.In connection with this offering, loanDepot, Inc. will become the parent company of loanDepot.com, LLC.LoanDepot was not immediately available to provide a statement about the proposed IPO offering.In August, loanDepot announced that it would now offer new home equity products, the first marketplace lender to offer consumers a varied selection of credit products through purchase and refinance home loans, unsecured personal loans, and now home equity loans on one convenient tech-enabled lending platform.”This is a substantial step forward for consumers and marketplace lending after the financial crisis,” said Anthony Hsieh, CEO and chairman of loanDepot, LLC. “It reaffirms our commitment of ushering in the next generation of lending that will empower borrowers and investors to connect through multiple products on our platform. Our vision is to deliver a diversified lending model sustainable in all market conditions. We look forward to leading the development of marketplace lending through the introduction of new products and services that provide credit solutions for borrowers with attractive returns for investors.”In addition, the company also launched personal loans just two months prior to the home equity announcement, which grew $40 million in funding volume in the first two months.LoanDepot also intends to add about 1,000 employees to its 4,000+ employees, according to an announcement earlier this year. in Daily Dose, Government, Headlines, News LoanDepot Files SEC Registration for Proposed IPO Offering Initial Public Offering loanDepot Securities and Exchange Commission 2015-10-09 Staff Writer October 9, 2015 507 Views Share
October 11, 2016 735 Views Homeownership Student Loan Debt 2016-10-11 Seth Welborn in Daily Dose, Data, Featured, News Housing, We Have a Student Loan Debt Problem Various studies have been conducted to determine how increasing student loan debt is affecting the U.S. homeownership rate. Some estimates report the average student loan debt per individual to be as high as $37,000.Meanwhile, the U.S. homeownership rate was reported to be 62.9 percent for Q2, the lowest since HUD began tracking the data in 1965.Against that backdrop, the fourth annual housing survey from nonprofit NeighborWorks America found that more than half (53 percent) of 1,000 individuals surveyed by telephone said that student loan debt is either “somewhat” or “very much” an obstacle to buying a home. This number was actually down from the share in last year’s survey (57 percent) but up from the 2014 survey (49 percent).A slightly higher share (56 percent) said they were paying too much for rent to save for a down payment on a home, compared to 37 percent who disagree that rents are too high to save for a down payment. But the reason the homeownership rate is so low is not because people are lacking the desire to own a home—60 percent of those surveyed who are renting said they wish that they could own a home next time they move.“With the homeownership rate at the lowest point in decades, and minority homeownership plunging even further, these data signal a weak home buying market going forward, despite near record-low mortgage rates and broad-based national income growth,” said Paul Weech, president and CEO of NeighborWorks America.According to the survey, 29 percent of respondents who had student loan debt said they expect to rent next time they move, compared to only 17 percent of those without student loan debt. Those surveyed are divided evenly as to their opinions on affordability; 45 percent said they believe that homes in their neighborhood are unaffordable for first-time homebuyers, compared with 50 percent who say they are affordable.But the survey also found that many homebuyers are unaware of student loan debt counseling or down payment assistance that could help them. Nearly three-quarters (71 percent) said they were unaware of or unsure about down payment assistance programs that could assist middle-class homebuyers (an increase from 67 percent in last year’s survey). More than three-quarters (77 percent) said they had never heard of or were unfamiliar with student loan debt counseling programs that nonprofits offer.A recent survey of 1,338 millennials conducted by LendingTree found that more than six in 10 millennials (63 percent) have graduated or will graduate with student loan debt and nearly half (46.5 percent) are still paying off their student loans. Buying a home was the second-most frequently cited event millennials had to delay, with almost half (45.3 percent) saying they had put off buying a home because of student debt obligations (travel was first with 53.3 percent). In a hypothetical situation in which student loan debt were to be absolved, LendingTree found that 41.8 percent of millennials surveyed said the money that previously went to paying student loan debts would go toward buying a home (second behind only saving for emergencies, with 54 percent). Share
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with the growing popularity of steak western style restaurants, more and more popular, joining a steak restaurant is a good choice for your business, then how to join the steak restaurant in the west? Today Xiaobian for you to join the steak restaurant more information!
1, pay a deposit in advance: after a comprehensive understanding of the concept of headquarters anyway, signed a deposit contract and pay a deposit.
2, initially reached a cooperation intention: in contact with the headquarters and the preliminary determination of the intention to join, you can visit the headquarters to visit and further understanding.
can be said that young people’s lives can not be separated from electronic products, naturally, can not be separated from the 360. As the founder of the 360 companies, Zhou Hongyi can go to today naturally have his entrepreneurial know-how, now to see his entrepreneurial share it.
now, there are 10 people in the eyes of 7 people, it can be seen, the eyes of the industry market demand. Glasses industry popular such a sentence: 20 Yuan glasses, $200 sold to you is human, 300 yuan to sell you are talking about friendship, $400 sold to you is talking about quotes. Profiteering glasses industry is a low-cost, high priced, high discount gray interest chain.
] [industry status quo China glasses industry output in 2012 2011 more than 16 billion yuan, there are about 300 million people need corrective glasses, annual retail sales of 23 billion yuan.
] [profits analysis first, price is very low compared to the cost of glasses.
it was autumn, some people do not know how to buy clothes, because the weather is worse, some dealers change unpredictably, also do not know how to promotion clothing, a street lined with clothing store already is deep autumn, autumn clothing store to do promotions to attract customers? Xiaobian teach you a few tricks to protect you the fall of Business Flourishes.
now, with the increasing number of children. The entrepreneurs business with a small capital for kindergarten, also very has the opportunity. Kidcastle kindergarten to join the project selection, project quality, free entrepreneurship, trustworthy!
economic development is always able to promote the common progress of many industries, the nursery industry is also the case. Many people will be regarded as the best choice for the kindergarten industry entrepreneurship. So, how much money to join the kindergarten to become entrepreneurs who have to do. Only know how much money to join the kindergarten, in order to do a good job in advance to prepare funds to avoid all losses due to lack of funds. That being the case, then how much money kindergarten? You are welcome to read the following!
in today’s social life, full of Western fast food in the market, also has some China color of the Chinese fast-food restaurants also began to rise, business become more popular, in fact, a Chinese fast food shop need to pay attention to many factors of success.
Chinese according to the National Bureau of Statistics figures show that the Chinese fast food stores are currently at the annual growth rate of more than 20%, the fast food industry turnover has occupied the whole of the catering industry turnover 2/5. In China, in line with the Chinese people’s eating habits of Chinese fast food franchise is a huge development prospects, people who want to start the business quickly choose Chinese fast food franchise business.
in today’s era, if you want to make a shop business booming, do not take a certain promotion is impossible. However, in the end what kind of marketing skills can be taken, and this is the countless shopkeepers can not grasp. So, what are the snack food store promotion tips? And let Xiaobian for you to analyze.
snack food stores to promote the use of holiday products, is nothing new. Consumers of these promotional tools is also common. Want to make your promotion to bring better results, we should do a good job in advance planning, so as to allow you to receive a certain promotional effect, you can make money. Today, Xiaobian for everyone to share several promotional skills.
many people have just started a business, there will always be a variety of troubles, whether it is money, experience or entrepreneurial projects, will be rushed to the thorny. For the family to the community, to the workplace of the two venture women, the biggest difficulties and obstacles are from their own hearts.
business is not good to do now, it is a fact, however, even if the business is not good to do, the same shop business booming. Although the shop is different, the business will not be the same. However, some shops are very close, but you can have such a difference, the natural need for those who do not have good business owners think.
"business is not as good as in previous years" – this is the most recent visit in the market to hear the most words. Indeed, by the domestic macroeconomic downturn, reducing the impact of the project and other factors, the consumer market downturn, presumably as a retail business operators who have a deep feeling. However, in the service of many customers, the difference is very large cigarette business, and even two less than one hundred meters apart, the same area, the store is similar to the store, the profit gap is great. From this difference, the individual thinks that the business is not good retailers can try to think from the following aspects:
now for many people, underwear in the year, demand is large, at the same time, now the whole industry, underwear shop business is quite popular, and now want to successfully operate a lucrative lingerie shop, still need to under the foot of the.
How much money to open a lingerie store
marketing is a great deal of knowledge, the successful sale of their products, you will realize their own value. Want to be a good sales person, you need to have what skills and abilities, and make a quick look at it, the market opportunities.
was the language – "language humorous liking, cheerful mood of customers"
a lot of new entrepreneurs because of the lack of entrepreneurial experience, many have chosen to join the chain from the start, so you can rely on the headquarters to join the venture shop. In fact, to join the chain business also need to grasp a certain know-how can be trusted to become rich.