loanDepot vs Cornerstone Total Return Fund

loanDepot vs Cornerstone Total Return Fund: this page compares business models, financial performance, and market context to provide a neutral, accessible view of how each operates and performs under different conditions. Educational content, not financial advice.

loanDepot vs Cornerstone Total Return Fund: this page compares business models, financial performance, and market context to provide a neutral, accessible view of how each operates and performs under ...

Comparison Snapshot

Key Financial Metrics

LDI

Metric

CRF

$933.06M

Market Cap

$936.76M

-11.07%

Potential Profit

N/A

Hold

Analyst Rating

N/A

Investment Analysis

loanDepot

LDI

Pros

loanDepot has a rapidly growing share of annual mortgage originations in the $11 trillion US addressable market, providing significant growth potential.
The company's proprietary mello® software platform enhances operational efficiency and customer experience, supporting a digital-first lending model.
loanDepot operates as a nonbank lender, offering flexibility and innovation compared to traditional banking competitors in the mortgage sector.

Considerations

Recent financial performance shows a net loss, with negative return on assets and return on equity, indicating ongoing profitability challenges.
The stock trades at a high price-to-earnings ratio, reflecting elevated valuation relative to earnings, which may deter value-focused investors.
Analyst consensus is a 'sell' rating, with a projected price target below the current share price, suggesting limited near-term upside.

Cornerstone Total Return Fund

CRF

Pros

Cornerstone Total Return Fund offers exposure to a diversified portfolio of closed-end funds, providing broad market access and potential for income generation.
The fund's strategy focuses on capital appreciation and total return, aiming to deliver consistent performance across market cycles.
It has a history of paying regular distributions, appealing to investors seeking steady income from their investments.

Considerations

The fund's performance is highly dependent on the underlying closed-end fund holdings, which can be volatile and sensitive to market shifts.
Management fees and expenses may be higher than those of traditional mutual funds, potentially reducing net returns for investors.
The fund's total return is subject to fluctuations in the broader market and may underperform during periods of economic uncertainty.

About The Companies

loanDepot (LDI)

LoanDepot Inc (Class A) (LDI) is a non-bank mortgage lender and consumer finance company focused on home loans, mortgage servicing and related technology-enabled origination. The firm operates a digital platform for loan origination and also holds a servicing portfolio and warehouse facilities. With a market capitalisation of about $1.03 billion, LoanDepot’s performance is closely tied to interest-rate moves, housing market activity and credit conditions — higher rates can dampen origination volumes while refinancing waves can boost revenue. Investors should note the company’s exposure to cyclical mortgage demand, regulatory oversight and capital funding dynamics that can affect liquidity and margins. The stock can be volatile and sensitive to macroeconomic changes. This summary provides general educational information, not personal financial advice; suitability depends on individual circumstances and investors should undertake their own research or consult a regulated adviser.

Cornerstone Total Return Fund (CRF)

Cornerstone Total Return Fund, Inc. (CRF) is a closed-end management investment company. Its primary investment objective is to achieve capital appreciation, with current income being a secondary goal. This means it focuses on growing the value of its investments over time, while also aiming to provide some regular payouts. Under normal market conditions, the fund's portfolio is mainly composed of equity securities from large, mid, and small-capitalisation companies. These can include common and preferred stocks, convertible securities, and other instruments like American Depositary Receipts (ADRs). The fund is diversified across a wide range of sectors, from information technology and healthcare to financials and consumer staples. It's important to remember that, as with any investment, the value can go down as well as up. The fund is managed by Cornerstone Advisors, LLC.

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Which Baskets Do They Appear In?

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An unexpected drop in wholesale prices has increased the likelihood that the Federal Reserve will cut interest rates to support the economy. This potential shift in monetary policy creates opportunities for companies in sectors that are sensitive to lower borrowing costs, such as banking and financial services.

Published: September 11, 2025

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A weaker-than-expected jobs report has increased the likelihood of a Federal Reserve interest rate cut. This theme focuses on companies poised to benefit from lower borrowing costs, which can stimulate lending and consumer spending.

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Published: August 14, 2025

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Comparison Snapshot