DIRECTOR AND OFFICER INDEMNIFICATION AGREEMENTIndemnification Agreement • January 27th, 2021 • loanDepot, Inc. • Finance services • Delaware
This Indemnification Agreement (this “Agreement”) is made as of ____________, 2021 by and between loanDepot, Inc., a Delaware corporation (the “Company”), in its own name and on behalf of its direct and indirect subsidiaries, and ______________, an individual (“Indemnitee”).
EXECUTIVE EMPLOYMENT AGREEMENTExecutive Employment Agreement • June 5th, 2023 • loanDepot, Inc. • Finance services • California
This Executive Employment Agreement (the “Agreement”) is entered into as of June 1, 2023, by and between DAVID HAYES (“Executive”) and LOANDEPOT, INC., a Delaware corporation (the “Company”).
RESTRICTED STOCK UNIT AGREEMENT PURSUANT TO THE LOANDEPOT, INC. 2021 OMNIBUS INCENTIVE PLANRestricted Stock Unit Agreement • February 16th, 2021 • loanDepot, Inc. • Finance services • Delaware
THIS RESTRICTED STOCK UNIT AWARD AGREEMENT (this “Agreement”), dated as of the Grant Date specified above, is entered into by and between loanDepot, Inc., a corporation organized in the State of Delaware (the “Company”), and the Participant specified above, pursuant to the loanDepot, Inc. 2021 Omnibus Incentive Plan, as in effect and as amended from time to time (the “Plan”), which is administered by the Committee; and
RESTRICTED STOCK AGREEMENT PURSUANT TO THE LOANDEPOT, INC. 2021 OMNIBUS INCENTIVE PLANRestricted Stock Agreement • February 16th, 2021 • loanDepot, Inc. • Finance services • Delaware
THIS RESTRICTED STOCK AWARD AGREEMENT (this “Agreement”), dated as of the Grant Date specified above, is entered into by and between loanDepot, Inc., a corporation organized in the State of Delaware (the “Company”), and the Participant specified above, pursuant to the loanDepot, Inc. 2021 Omnibus Incentive Plan, as in effect and as amended from time to time (the “Plan”), which is administered by the Committee; and
INDENTURE LOANDEPOT AGENCY ADVANCE RECEIVABLES TRUST, as Issuer and CITIBANK, N.A., as Indenture Trustee, Calculation Agent, Paying Agent, Custodian and Securities Intermediary and LOANDEPOT.COM, LLC, as Servicer and as Administrator and JPMORGAN...Indenture • January 21st, 2021 • loanDepot, Inc. • Finance services • New York
THIS INDENTURE (as amended, supplemented, restated, or otherwise modified from time to time, the “Indenture”), is made and entered into as of September 24, 2020 (the “Closing Date”) by and among LOANDEPOT AGENCY ADVANCE RECEIVABLES TRUST, a statutory trust organized under the laws of the State of Delaware (the “Issuer”), CITIBANK, N.A., a national banking association (“Citibank”), in its capacity as Indenture Trustee (the “Indenture Trustee”), and as Calculation Agent, Paying Agent, Custodian and Securities Intermediary (in each case, as defined below), LOANDEPOT.COM, LLC, a limited liability company organized in the State of Delaware, as servicer (“Servicer”) and as administrator (“Administrator”), and JPMORGAN CHASE BANK, N.A., a national banking association (“JPMorgan”), as Administrative Agent (as defined below).
LD HOLDINGS GROUP LLC, the GUARANTORS party hereto from time to time AND U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, as Trustee and Collateral Agent 8.750% Senior Secured Notes due 2027 INDENTURE Dated as of June 24, 2024Indenture • June 24th, 2024 • loanDepot, Inc. • Finance services • New York
INDENTURE dated as of June 24, 2024, by and between LD HOLDINGS GROUP LLC., a Delaware limited liability company (the “Company”), the GUARANTORS (as defined below) party hereto from time to time and U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, a national banking association, as trustee (in such capacity, the “Trustee”) and collateral agent (in such capacity, the “Collateral Agent”).
NONQUALIFIED STOCK OPTION AGREEMENT PURSUANT TO THE LOANDEPOT, INC. 2021 OMNIBUS INCENTIVE PLANNonqualified Stock Option Agreement • March 16th, 2023 • loanDepot, Inc. • Finance services • Delaware
THIS NONQUALIFIED STOCK OPTION AGREEMENT (this “Agreement”), dated as of the Grant Date specified above, is entered into by and between loanDepot, Inc., a corporation organized in the State of Delaware (the “Company”), and the Participant specified above, pursuant to the loanDepot, Inc. 2021 Omnibus Incentive Plan, as in effect and as amended from time to time (the “Plan”), which is administered by the Committee; and
SECOND AMENDED AND RESTATED MASTER REPURCHASE AGREEMENT Between: EVERBANK, N.A., as Buyer, and LOANDEPOT.COM, LLC, as Seller Dated as of December 28, 2023Master Repurchase Agreement • January 3rd, 2024 • loanDepot, Inc. • Finance services • New York
INCENTIVE STOCK OPTION AGREEMENT PURSUANT TO THE LOANDEPOT, INC. 2021 OMNIBUS INCENTIVE PLANIncentive Stock Option Agreement • February 16th, 2021 • loanDepot, Inc. • Finance services • Delaware
THIS INCENTIVE STOCK OPTION AWARD AGREEMENT (this “Agreement”), dated as of the Grant Date specified above, is entered into by and between loanDepot, Inc., a corporation organized in the State of Delaware (the “Company”), and the Participant specified above, pursuant to the loanDepot, Inc. 2021 Omnibus Incentive Plan, as in effect and as amended from time to time (the “Plan”), which is administered by the Committee; and
STOCK APPRECIATION RIGHTS AGREEMENT PURSUANT TO THE LOANDEPOT, INC. 2021 OMNIBUS INCENTIVE PLANStock Appreciation Rights Agreement • February 16th, 2021 • loanDepot, Inc. • Finance services • Delaware
THIS STOCK APPRECIATION RIGHTS AGREEMENT (this “Agreement”), dated as of the Grant Date specified above, is entered into by and between loanDepot, Inc., a corporation organized in the State of Delaware (the “Company”), and the Participant specified above, pursuant to the loanDepot, Inc. 2021 Omnibus Incentive Plan, as in effect and as amended from time to time (the “Plan”), which is administered by the Committee; and
CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE REGISTRANT IF PUBLICLY DISCLOSED. [***] INDICATES THAT INFORMATION HAS BEEN REDACTED MASTER REPURCHASE...Master Repurchase Agreement • January 21st, 2021 • loanDepot, Inc. • Finance services • New York
BARCLAYS BANK PLC, in its capacity as purchaser (together with its permitted successors and assigns in such capacity hereunder, “Barclays” or a “Purchaser”) and agent pursuant hereto (together with its permitted successors and assigns in such capacity hereunder, “Agent”),
MASTER REPURCHASE AGREEMENT among NOMURA CORPORATE FUNDING AMERICAS, LLC, as administrative agent (“Administrative Agent”) and NOMURA CORPORATE FUNDING AMERICAS, LLC, as buyer (“Buyer”) and LOANDEPOT.COM, LLC, as seller (“Seller”) Dated as of January...Master Repurchase Agreement • January 31st, 2024 • loanDepot, Inc. • Finance services • New York
This Master Repurchase Agreement (“Agreement”) is made as of January 25, 2024 (the “Effective Date”), among NOMURA CORPORATE FUNDING AMERICAS, LLC (“NCFA”), as administrative agent (the “Administrative Agent”), NOMURA CORPORATE FUNDING AMERICAS, LLC (“NCFA”), as buyer (“Buyer”) other Buyers from time to time (“Buyers”), and LOANDEPOT.COM, LLC (“loanDepot”), as seller (“Seller”). Capitalized terms have the meanings specified in Sections 1.01 and 1.02.
AMENDED AND RESTATED CREDIT AGREEMENT among LOANDEPOT.COM, LLC as Borrower, GOLDMAN SACHS BANK USA, as Administrative Agent for the financial institutions that may from time to time become parties hereto as Lenders, and LENDERS from time to time party...Credit Agreement • August 31st, 2023 • loanDepot, Inc. • Finance services • New York
Certain confidential information contained in this document, marked by “[***]”, has been omitted because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed. AMENDMENT NO. 3 TO AMENDED AND RESTATED MORTGAGE LOAN...Mortgage Loan Participation Sale Agreement • September 30th, 2024 • loanDepot, Inc. • Finance services • New York
This Amendment No. 3 to the Amended and Restated Mortgage Loan Participation Sale Agreement, dated as of September 27, 2024 (this “Amendment”), is between JPMorgan Chase Bank, National Association (the “Purchaser”) and loanDepot.com, LLC (the “Seller”).
AMENDED AND RESTATED MASTER REPURCHASE AGREEMENT (the “Agreement”) between BANK OF AMERICA, N.A. (“Buyer”) and LOANDEPOT.COM, LLC (“Seller”) dated as of July 17, 2015Master Repurchase Agreement • January 11th, 2021 • loanDepot, Inc. • Finance services • New York
THIS AMENDED AND RESTATED MASTER REPURCHASE AGREEMENT (the “Agreement”) is made and entered into as of July 17, 2015 by and between Bank of America, N.A., a national banking association (“Buyer”), and loanDepot.com, LLC, a Delaware limited liability company (“Seller”).
AMENDMENT NUMBER 5 TO MASTER REPURCHASE AGREEMENT AND SECURITIES CONTRACTMaster Repurchase Agreement and Securities Contract • December 22nd, 2023 • loanDepot, Inc. • Finance services • New York
This is a MASTER REPURCHASE AGREEMENT AND SECURITIES CONTRACT, dated as of September 23, 2021, between LOANDEPOT.COM, LLC, a Delaware limited liability company (“Seller”), and BANK OF MONTREAL, a Canadian Chartered bank acting through its Chicago Branch (“Buyer”).
Certain confidential information contained in this document, marked by “[***]”, has been omitted because it is both (i) not material and (ii) would be competitively harmful if publicly disclosed. MELLO WAREHOUSE SECURITIZATION TRUST 2024-1, as Issuer...Indenture • September 30th, 2024 • loanDepot, Inc. • Finance services • New York
MASTER REPURCHASE AGREEMENT CREDIT SUISSE FIRST BOSTON MORTGAGE CAPITAL LLC, as administrative agent (“Administrative Agent”), CREDIT SUISSE AG, a company incorporated in Switzerland, acting through its CAYMAN ISLANDS BRANCH, as buyer (“Buyer”) and...Master Repurchase Agreement • January 11th, 2021 • loanDepot, Inc. • Finance services • New York
This is a MASTER REPURCHASE AGREEMENT, dated as of March 10, 2017, by and between CREDIT SUISSE FIRST BOSTON MORTGAGE CAPITAL LLC (the “Administrative Agent”) on behalf of Buyers, including but not limited to Credit Suisse AG, a company incorporated in Switzerland, acting through its Cayman Islands Branch (“CS Cayman”, and a “Buyer”) and loanDepot.com, LLC, LLC (“Seller”).
CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE REGISTRANT IF PUBLICLY DISCLOSED. [***] INDICATES THAT INFORMATION HAS BEEN REDACTED SIXTH AMENDED AND...Loan and Security Agreement • January 21st, 2021 • loanDepot, Inc. • Finance services • New York
THIS SIXTH AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (“Agreement”) is made as of November [ ], 2018 (the “Effective Date”), by and between loanDepot.com, LLC, a Delaware limited liability company, with an address at 26642 Towne Center Drive, Foothill Ranch, California 92610 (“Borrower”) and TIAA, FSB, formerly known as EverBank, a federal savings association, with an address at 100 Summer Street, Suite 3232, Boston, Massachusetts 02110 (“Bank”), under the following circumstances:
LOANDEPOT, INC. REGISTRATION RIGHTS AGREEMENT February 16, 2021Registration Rights Agreement • February 16th, 2021 • loanDepot, Inc. • Finance services • Delaware
THIS REGISTRATION RIGHTS AGREEMENT (this “Agreement”) is made as of February 16, 2021, among loanDepot, Inc., a Delaware corporation (the “Company”), LD Holdings Group LLC, a Delaware limited liability company (“LD Holdings”), and (i) each of the investors listed on the Schedule of Parthenon Investors attached hereto (the “Parthenon Investors”) and (ii) each of the investors listed on the Schedule of Hsieh Investors attached hereto (the “Hsieh Investors”) and each other Person that acquires Class A Shares from the Company (including, without limitation, Class A Shares that are issuable by means of an exchange of Holdco Units and Class B Shares or Class C Shares, as applicable, by such Person pursuant to the terms of the Holdings LLC Agreement, or Class D Shares) after the date hereof and becomes a party to this Agreement by the execution and delivery of a Joinder (collectively, the “Other Investors”). Except as otherwise specified herein, all capitalized terms used in this Agreement ar
AMENDMENT NUMBER ONE to the Amended and Restated Credit and Security Agreement Dated as of June 30, 2023Credit and Security Agreement • December 22nd, 2023 • loanDepot, Inc. • Finance services • New York
This AMENDMENT NUMBER ONE to the Amended and Restated Credit and Security Agreement (as defined below) (this “Amendment”) is made effective as of the 19th day of December, 2023, by and among LOANDEPOT.COM, LLC, as borrower (“Borrower”), FLAGSTAR BANK, NATIONAL ASSOCIATION, as administrative agent (in such capacity, “Administrative Agent”), and as a lender and the other Lenders party thereto (collectively, “Lender”).
MASTER REPURCHASE AGREEMENTMaster Repurchase Agreement • January 21st, 2021 • loanDepot, Inc. • Finance services • New York
With respect to each Mortgage Loan, (i) as of the Purchase Date for the purchase of any Purchased Mortgage Loans by Buyer from Seller and as of the date of this Agreement and any Transaction hereunder, and (ii) at all times while the Transaction Documents or any Transaction hereunder is in force and effect, Seller represents and warrants to Buyer that each of the statements set forth as lettered items of this Exhibit B is true and correct. For purposes of this Exhibit B and the representations and warranties set forth herein, a breach of a representation or warranty shall be deemed to have been cured with respect to a Mortgage Loan if and when Seller has taken or caused to be taken action such that the event, circumstance or condition that gave rise to such breach no longer adversely affects such Mortgage Loan. With respect to each Loan Level Representation that is made to the best of Seller’s knowledge, if it is discovered by Seller or Buyer that the substance of such Loan Level Repre
EMPLOYMENT AGREEMENTEmployment Agreement • January 21st, 2021 • loanDepot, Inc. • Finance services • California
This Employment Agreement (this “Agreement”) is entered into this 30th day of December, 2009, (the “Effective Date”), by and between loanDepot.com, LLC, a Delaware limited liability company (the “Employer”), and Anthony Hsieh (“Executive”) (together, the “Parties” and each a “Party”). Except as otherwise indicated herein, capitalized terms used herein are defined in Section 9.14.
Master Repurchase Agreement September 1996 Version Dated as of: December 17, 2020 Between: Mello Warehouse Securitization Trust 2020-2 (“BUYER”) And: loanDepot.com, LLC (“SELLER”)Master Repurchase Agreement • January 11th, 2021 • loanDepot, Inc. • Finance services • New York
Master Repurchase AgreementMaster Repurchase Agreement • November 2nd, 2022 • loanDepot, Inc. • Finance services • New York
FORM OF TAX RECEIVABLE AGREEMENT by and among loanDepot, Inc., and the Recipients that are parties hereto dated as of February 11, 2021Tax Receivable Agreement • February 16th, 2021 • loanDepot, Inc. • Finance services • Delaware
This TAX RECEIVABLE AGREEMENT (as amended from time to time, this “Agreement”), dated as of February 11, 2021, is hereby entered into by and among loanDepot, Inc., a Delaware corporation (the “Corporation”), LD Holdings Group LLC, a Delaware limited liability company (“loanDepot”), and the initial Recipients identified below. Capitalized terms used and not otherwise defined herein have the meanings set forth in Article I.
THIRD AMENDED AND RESTATED MASTER REPURCHASE AGREEMENT between LOANDEPOT GMSR MASTER TRUST (“Buyer”) and LOANDEPOT.COM, LLC (“Seller”) Dated as of January 25, 2024Master Repurchase Agreement • January 31st, 2024 • loanDepot, Inc. • Finance services • New York
This Third Amended and Restated Master Repurchase Agreement (this “Agreement”) is made as of January 25, 2024 (the “Effective Date”), among LOANDEPOT GMSR MASTER TRUST (the “Issuer”), as buyer (“Buyer”), LOANDEPOT.COM, LLC (“loanDepot”), as seller (“Seller”), and is consented to by CITIBANK, N.A. (“Citibank”), as indenture trustee (the “Indenture Trustee”), NOMURA CORPORATE FUNDING AMERICAS, LLC, as administrative agent (the “Administrative Agent”) and NOMURA CORPORATE FUNDING AMERICAS LLC (“NCFA”), as noteholder of the Outstanding VFNs (the “Noteholder”). Capitalized terms have the meanings specified in Sections 1.01 and 1.02.
RESTRICTED STOCK UNIT AWARD AGREEMENT PURSUANT TO THERestricted Stock Unit Award Agreement • March 16th, 2023 • loanDepot, Inc. • Finance services • Delaware
THIS RESTRICTED STOCK UNIT AWARD AGREEMENT (this “Agreement”), dated as of the Grant Date specified above, is entered into by and between loanDepot, Inc., a corporation organized in the State of Delaware (the “Company”), and the Participant specified above, pursuant to the loanDepot, Inc. 2021 Omnibus Incentive Plan, as in effect and as amended from time to time (the “Plan”), which is administered by the Compensation Committee of the Board of Directors of the Company (the “Committee”); and
GUARANTYGuaranty • September 30th, 2024 • loanDepot, Inc. • Finance services • New York
This GUARANTY, dated as of September 27, 2024 (this “Guaranty”) is made by LD Holdings Group LLC (the “Guarantor”), a Delaware limited liability company, in favor of Mello Warehouse Securitization Trust 2024-1 (the “Beneficiary”), a Delaware statutory trust.
SECOND AMENDED AND RESTATED MORTGAGE LOAN PARTICIPATION PURCHASE AND SALE AGREEMENT between LOANDEPOT.COM, LLC,Seller and BANK OF AMERICA, N.A., Purchaser Dated as of February 2, 2022Mortgage Loan Participation Purchase and Sale Agreement • February 8th, 2022 • loanDepot, Inc. • Finance services • New York
This SECOND AMENDED AND RESTATED MORTGAGE LOAN PARTICIPATION PURCHASE AND SALE AGREEMENT (this “Agreement”), is made and entered into as of February 2, 2022, between Bank of America, N.A. (“Purchaser”) and loanDepot.com, LLC (“Seller”).
MASTER REPURCHASE AGREEMENT among CREDIT SUISSE FIRST BOSTON MORTGAGE CAPITAL LLC, as administrative agent (“Administrative Agent”) and CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH, as buyer (“Buyer”) and LOANDEPOT.COM, LLC, as seller (“Seller”) Dated as...Master Repurchase Agreement • January 11th, 2021 • loanDepot, Inc. • Finance services • New York
This Master Repurchase Agreement (“Agreement”) is made as of August 11, 2017, among CREDIT SUISSE FIRST BOSTON MORTGAGE CAPITAL LLC (“CSFB”), as administrative agent (the “Administrative Agent”), CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH (“CSCIB”), as buyer (“Buyer”), and LOANDEPOT.COM, LLC (“loanDepot”), as seller (“Seller”). Capitalized terms have the meanings specified in Sections 1.01 and 1.02.
EXECUTION VERSION CERTAIN IDENTIFIED INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE REGISTRANT IF PUBLICLY DISCLOSED. [***] INDICATES THAT INFORMATION HAS BEEN REDACTED...Mortgage Loan Participation Purchase and Sale Agreement • January 21st, 2021 • loanDepot, Inc. • Finance services • New York
This is a MORTGAGE LOAN PARTICIPATION PURCHASE AND SALE AGREEMENT (“Agreement”), dated as of February 28, 2013, between JEFFERIES MORTGAGE FUNDING, LLC (“Purchaser”) and LOANDEPOT.COM, LLC (“Seller”).
TIAA BANK 301 W. Bay Street Jacksonville, FL 32202Master Repurchase Agreement • November 12th, 2021 • loanDepot, Inc. • Finance services • New York
This Twenty Sixth is made this 3rd day of September, 2021 (the “Amendment Effective Date”), to that certain Master Repurchase Agreement, dated as of March 20, 2014 (the “Repurchase Agreement”), as amended, and the Pricing Letter, dated as of March 20, 2014 (the “Pricing Letter”), as amended, in each case by and between loanDepot.com, LLC (“Seller”), and TIAA, FSB (“Buyer”). The Repurchase Agreement, the Pricing Letter and all amendments thereto are sometimes hereinafter collectively referred to as the “Agreement.”
the GUARANTORS party hereto from time to time AND WILMINGTON TRUST, NATIONAL ASSOCIATION, as Trustee INDENTURE Dated as of March 26, 2021Indenture • April 1st, 2021 • loanDepot, Inc. • Finance services • New York
INDENTURE dated as of March 26, 2021, by and between LD HOLDINGS GROUP LLC., a Delaware limited liability company (the “Company”), the GUARANTORS (as defined below) party hereto from time to time and WILMINGTON TRUST, NATIONAL ASSOCIATION, a national banking association, as trustee (the “Trustee”).
FOURTH AMENDMENT TO CREDIT AND SECURITY AGREEMENTCredit and Security Agreement • January 21st, 2021 • loanDepot, Inc. • Finance services • Texas
THIS FOURTH AMENDMENT TO CREDIT AND SECURITY AGREEMENT (this “Amendment”) is entered into as of December [__], 2015 (the “Fourth Amendment Date”), between LOANDEPOT.COM, LLC, a Delaware limited liability company (“Borrower”), and NEXBANK SSB (“Lender”).
