Document:

EX-10.39

 Exhibit 10.39 

PURCHASE AGREEMENT 

PURCHASE AGREEMENT, dated [            ], 2015 (this
“Agreement”), by and among the sellers listed on Schedule I hereto, as sellers (collectively, the “Sellers” and each, a “Seller”), and loanDepot, Inc., a Delaware corporation, as
purchaser (the “Purchaser”). 
 WHEREAS, the Board of Directors of the Purchaser (the “Board”) has
determined to effect an underwritten initial public offering (the “IPO”) of the Purchaser’s Class A common stock, par value $0.001 per share (the “Class A Common Stock”). 

WHEREAS, in connection with the IPO, the Purchaser has entered into an underwriting agreement, dated as of
[            ], 2015 (the “Underwriting Agreement”), with loanDepot Holdings, LLC, a Delaware limited liability company, (“LD Holdings”), loanDepot.com,
LLC, a Delaware limited liability company, any selling stockholders party thereto, and the underwriters party thereto. 
 WHEREAS, in
connection with the consummation of the IPO, each Seller wishes to sell to the Purchaser, and the Purchaser wishes to purchase from each Seller, the number of Paired Interests (as defined herein) set forth opposite such Seller’s name on
Schedule I hereto. 
 NOW, THEREFORE, in consideration of the mutual covenants and agreements set forth herein and for good and
valuable consideration, the receipt and adequacy of which is hereby acknowledged, the parties hereto agree as follows: 
 ARTICLE I

 DEFINITIONS 
 1.1
Definitions. As used in this Agreement, and unless the context requires a different meaning, the following terms shall have the meanings set forth below: 

“Additional Closing” means each closing of the purchase of Additional Purchased Paired Interests, which closing shall occur
on the date of the Additional IPO Closing. 
 “Additional Closing Sellers” means the Sellers listed as “Additional
Closing Sellers” on Schedule I hereto. 
 “Additional IPO Closing” means any additional closing of the
sale of Class A Common Stock in the IPO pursuant to the exercise of the underwriters’ over-allotment option, which closing shall occur on an “Option Closing Date” (as defined in the Underwriting Agreement) related to such
additional closing and which may occur on the same date as the IPO Closing. 
 “Additional Purchased Paired Interests”
means the number of Paired Interests to be sold by any Additional Closing Seller at an Additional Closing set forth opposite such Additional Closing Seller’s name under the column entitled “Additional Purchased Paired Interests” on
Schedule I hereto. 

 “Class B Common Stock” means the Purchaser’s Class B common stock, par
value $0.001 per share. 
 “Closings” means the Additional Closing together with the Initial Closing. 

“Commission” means the Securities and Exchange Commission or any similar agency then having jurisdiction to enforce the
Securities Act. 
 “Discounted Price” means the “Purchase Price” as set forth and defined in the Underwriting
Agreement (for the avoidance of doubt, the public offering price per share of Class A Common Stock set forth on the cover page of the final prospectus for the IPO less the underwriting discount per share of Class A Common Stock paid to the
underwriters in the IPO). 
 “Governmental Authority” means the government of any nation, state, city, locality or other
political subdivision of any thereof, any entity exercising executive, legislative, judicial, regulatory or administrative functions of or pertaining to government. 

“Holdco Units” means Class A common units of LD Holdings. 

“Holdings LLC Agreement” means the limited liability company agreement of LD Holdings dated as of
[            ], 2015. 
 “Initial Closing” means the closing of
the purchase of the Initial Purchased Paired Interests, which closing shall occur on the date of the IPO Closing. 
 “Initial
Closing Sellers” means the Sellers listed as “Initial Closing Sellers” on Schedule I hereto. 
 “Initial
Purchased Paired Interests” means the number of Paired Interests set forth opposite such Seller’s name under the column entitled “Initial Purchased Paired Interests” on Schedule I hereto. 

“IPO Closing” means the initial closing of the sale of Class A Common Stock in the IPO, which closing shall occur on the
“Closing Date” (as defined in the Underwriting Agreement). 
 “Lien” means any mortgage, deed of trust, pledge,
hypothecation, assignment, encumbrance, lien (statutory or other) or other security interest of any kind or nature whatsoever. 

“Paired Interest” or “Paired Interests” means one or more Holdco Units together with an equal number of
shares of Class B Common Stock. 
 “Person” means any individual, firm, corporation, partnership, limited liability
company, trust, incorporated or unincorporated association, joint venture, joint stock company, Governmental Authority or other entity of any kind. 

“Securities Act” means the Securities Act of 1933, as amended, and the rules and regulations of the Commission promulgated
thereunder. 

  
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 “Stockholders Agreement” means that certain Stockholders Agreement, dated as of
[            ], 2015, by and among the Purchaser and certain stockholders party thereto. 

[”TRA” means that certain Tax Receivable Agreement, dated as of
[            ], 2015, by and among the Purchaser, LD Holdings and the recipients party thereto. 

“TRA Seller” means any Initial Closing Seller identified as a “TRA Seller” on Schedule I hereto.] 

ARTICLE II 
 PURCHASE
AND SALE OF PAIRED INTERESTS 
 2.1 Purchase and Sale. 

(a) Subject to the terms herein set forth, at the Initial Closing, each Initial Closing Seller agrees (severally and not jointly) to sell,
convey, assign and transfer to the Purchaser such Seller’s Initial Purchased Paired Interests, and the Purchaser agrees to purchase such Initial Purchased Paired Interests from such Initial Closing Seller for a purchase price equal to the
Discounted Price for each Initial Purchased Paired Interest sold, conveyed, assigned and transferred by such Initial Closing Seller [plus, in the case of any TRA Seller, such TRA Seller’s rights under the TRA]1. Immediately following the Initial Closing, the Class B Common Stock included in the Initial Purchased Paired Interests shall be automatically cancelled. 

(b) Subject to the terms herein set forth, at each Additional Closing, each Additional Closing Seller agrees (severally and not jointly) to
sell, convey, assign and transfer to the Purchaser such Seller’s Additional Purchased Paired Interests, and the Purchaser agrees to purchase such Additional Purchased Paired Interests from such Seller for a purchase price equal to the
Discounted Price for each Additional Purchased Paired Interest sold, conveyed, assigned and transferred by such Additional Closing Seller. Immediately following any Additional Closing, the Class B Common Stock included in any Additional Purchased
Paired Interests shall be automatically cancelled. 
 (c) For purposes of applying Internal Revenue Code Section 751 in connection with
any purchase and sale hereunder, the parties agree to utilize the methodology described in clause (iii) of Section 4.5(g) of the Holdings LLC agreement, except to the extent required by applicable law. 

2.2 Closing. 
 (a)
Initial Closing. The Initial Closing shall occur at the offices of Kirkland & Ellis LLP, 601 Lexington Avenue, New York, New York, 10022 immediately following the IPO Closing. 

 
  

	1 	TRA rights applicable to certain Sellers. 

  
 3 

 (b) Additional Closing. Each Additional Closing shall occur at the offices of
Kirkland & Ellis LLP, 601 Lexington Avenue, New York, New York, 10022 immediately after the related Additional IPO Closing. 
 (c)
Purchaser Closing Deliverables. At each Closing, the Purchaser shall deliver to each Seller the Discounted Price for each Initial Purchased Paired Interest or Additional Purchased Paired Interest, as applicable, being purchased by the
Purchaser from such Seller pursuant to Section 2.1, by wire transfer of immediately available funds to a bank account designated in writing by such Seller on the signature page attached hereto or otherwise provided to the Purchaser. 

(d) Seller Closing Deliverables. 
  

	 	(i)	Prior to or at the Initial Closing, each Seller shall deliver to Purchaser a properly completed and executed Internal Revenue Service (“IRS”) Form W-9 or an IRS Form W-8, as appropriate, together with
all required attachments to such form. 

  

	 	(ii)	Prior to each Closing, each Seller shall execute and deliver to Broadridge Corporate Issuer Solutions, Inc., as transfer agent of securities of the Purchaser and LD Holdings, any stock powers required with respect to
the shares of Class B Common Stock included in the Initial Purchased Paired Interests or the Additional Purchased Paired Interests, as applicable, being sold at such Closing. 

 

	 	(iii)	At each Closing, each Seller shall deliver or cause to be delivered to the Purchaser (A) a duly endorsed instrument of assignment with respect to the Holdco Units included in the Initial Purchased Paired Interests
or the Additional Purchased Paired Interests being sold at such Closing in substantially the form attached hereto as Exhibit A (a “Unit Assignment Agreement”) and (B) the number of shares of Class B Common Stock included
in the Initial Purchased Paired Interests or the Additional Purchased Paired Interests, as applicable, being sold at such Closing in book entry form. 

2.3 Conditions to Closing. 

(a) The obligations of the Purchaser and each Seller to be performed at any Closing shall be conditioned upon the prior completion of the IPO
Closing or the applicable Additional IPO Closing, as applicable. 
 (b) The obligations of the Purchaser to be performed at any Closing
shall be subject to the condition that the representations and warranties of the Sellers that are participating in such Closing set forth in Article III shall be true and correct as of such Closing as if then made. 

  
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 (c) The obligations of each Seller to be performed at any Closing shall be subject to the
condition that the representations and warranties of the Purchaser set forth in Article IV shall be true and correct as of such Closing as if then made. 

ARTICLE III 

REPRESENTATIONS AND WARRANTIES OF THE SELLERS 

Each of the Sellers represents, warrants, and agrees, severally with respect to itself only, as of the date hereof as follows: 

3.1 Capacity; Authority; Execution and Delivery; Enforceability. To the extent that such Seller is an individual, such Seller has the
legal capacity to execute and deliver this Agreement and to consummate the transactions contemplated hereby. To the extent that such Seller is an entity, such Seller has the full limited liability company or other entity power and authority to
execute, deliver and perform this Agreement and to consummate the transactions contemplated hereby. To the that extent such Seller is a limited liability company or other entity, the execution and delivery by such Seller of this Agreement and the
consummation by such Seller of the transactions contemplated hereby have been duly authorized by all necessary limited liability company or other entity action on the part of such Seller and no other proceedings on the part of such Seller are
necessary to approve this Agreement and to consummate the transactions contemplated hereby. Such Seller has duly executed and delivered this Agreement (and will duly execute and deliver any Unit Assignment Agreement), and, assuming due execution and
delivery by the Purchaser, each such agreement constitutes or will constitute the legal, valid and binding obligation of such Seller, enforceable against such Seller in accordance with its terms, except as enforceability may be limited by applicable
bankruptcy, insolvency, reorganization, fraudulent conveyance or transfer, moratorium or similar laws affecting the enforcement of creditors’ rights generally or by equitable principles relating to enforceability. 

3.2 Title. Such Seller owns beneficially and of record and has full power and authority to convey, free and clear of any Liens, the
Holdco Units and shares of Class B Common Stock included in the Initial Purchased Paired Interests or Additional Purchased Paired Interests, as applicable, set forth opposite its name on Schedule I hereto (subject to any transfer restrictions
of general applicability as may be provided under the Securities Act or the “blue sky” laws of the various states of the United States and any transfer restrictions and similar provisions contained in the Holdings LLC Agreement or the
Stockholders Agreement. 
 3.3 No Conflicts. Neither the execution nor the delivery of this Agreement (and any Unit Assignment
Agreement) nor the consummation of the transactions contemplated hereby will (i) result in any breach of or constitute a default under any term of any material agreement, mortgage, indenture, license, permit, lease, or other instrument of such
Seller, or (ii) conflict with or result in a violation of any judgment, decree, order, law, or regulation by which such Seller is bound. 

  
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 ARTICLE IV 

REPRESENTATIONS AND WARRANTIES OF THE PURCHASER 

The Purchaser makes the following representations and warranties for the benefit of the Sellers as of the date hereof: 

4.1 Organization, Standing and Power. The Purchaser is duly organized, validly existing and in good standing under the laws of the
jurisdiction in which it is organized. 
 4.2 Authority; Execution and Delivery; Enforceability. The Purchaser has the full power and
authority to execute, deliver and perform this Agreement and to consummate the transactions contemplated hereby. The execution and delivery by the Purchaser of this Agreement and the consummation by the Purchaser of the transactions contemplated
hereby have been duly authorized by all necessary action on the part of the Purchaser and no other proceedings on the part of the Purchaser are necessary to approve this Agreement and to consummate the transactions contemplated hereby. The Purchaser
has duly executed and delivered this Agreement, and, assuming due execution and delivery by the Sellers, this Agreement constitutes the legal, valid and binding obligation of the Purchaser, enforceable against the Purchaser in accordance with its
terms, except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization, fraudulent conveyance or transfer, moratorium or similar laws affecting the enforcement of creditors’ rights generally or by equitable
principles relating to enforceability. 
 4.3 No Conflicts. Neither the execution nor the delivery of this Agreement nor the
consummation of the transactions contemplated hereby will (i) result in any breach of or constitute a default under any term of any material agreement, mortgage, indenture, license, permit, lease, or other instrument of the Purchaser or
(ii) conflict with or result in a violation of any judgment, decree, order, law or regulation by which the Purchaser is bound. 

ARTICLE V 

MISCELLANEOUS 
 5.1
Notices. All notices or other communication required or permitted hereunder shall be in writing and shall be delivered personally, telecopied or sent by certified, registered or express mail, postage prepaid. Any such notice shall be deemed
given when so delivered personally, telecopied or sent by certified, registered or express mail, as follows: 
 (a) If to a Seller, at the
address specified for such Seller on the signature page attached hereto or to such other address as such Seller may hereafter specify to the Purchaser for the purpose by notice. 

  
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 (b) If to the Purchaser, to: 

loanDepot, Inc. 
 26642 Towne
Centre Drive 
 Foothill Ranch, California 92610 

Telephone:        (888) 337-6888 

Facsimile:          (949) 470-6237 

Attention:          General Counsel 

With a copy to (which shall not constitute actual or constructive notice): 

Kirkland & Ellis LLP 

601 Lexington Avenue 
 New York,
NY 10022 
 Telephone:        (212) 446-4800 

Facsimile:          (212) 446-4900 

Attention:          Joshua N. Korff and Michael Kim 

Any party may by notice given to (i) in the case of the Purchaser, each of the Sellers or (ii) in the case of any Seller, the Purchaser, in each
case, in accordance with this Section 5.1, designate another address or person for receipt of notices hereunder. 
 5.2 Successors
and Assigns. This Agreement shall inure to the benefit of and be binding upon the successors and permitted assigns of the parties hereto. No Person other than the parties hereto and their successors and permitted assigns is intended to be a
beneficiary of this Agreement. No party hereto may assign its rights under this Agreement without the prior written consent of the other party hereto. 

5.3 Amendment and Waiver. 

(a) No failure or delay on the part of the Sellers or the Purchaser in exercising any right, power or remedy hereunder shall operate as a
waiver thereof, nor shall any single or partial exercise of any such right, power or remedy preclude any other or further exercise thereof or the exercise of any other right, power or remedy. The remedies provided for herein are cumulative and are
not exclusive of any remedies that may be available to the Sellers or the Purchaser at law, in equity or otherwise. 
 (b) Any amendment,
supplement or modification of or to any provision of this Agreement and any waiver of any provision of this Agreement shall be effective only if it is made or given in writing and signed by the Sellers and the Purchaser. 

5.4 Counterparts. This Agreement may be executed in any number of counterparts and in separate counterparts, all of which when so
executed shall be deemed to be an original and all of which when taken together shall constitute one and the same agreement. Facsimile signatures or signatures received as a .pdf attachment to electronic mail shall be treated as original signatures
for all purposes of this Agreement. This Agreement shall become effective when, and only when, each party hereto shall have received a counterpart signed by all of the other parties hereto. 

  
 7 

 5.5 Headings. The headings in this Agreement are for convenience of reference only and
shall not limit or otherwise affect the meaning hereof. 
 5.6 Governing Law. This Agreement shall be governed by and construed in
accordance with the laws of the State of Delaware. The parties hereto agree that any suit, action or proceeding seeking to enforce any provision of, or based on any matter arising out of or in connection with, this Agreement or the transactions
contemplated hereby shall be brought in the Delaware chancery court or, if such court shall not have jurisdiction, any federal court located in the State of Delaware or other Delaware state court, and each of the parties hereby irrevocably consents
to the jurisdiction of such courts (and of the appropriate appellate courts therefrom) in any such suit, action or proceeding and irrevocably waives, to the fullest extent permitted by law, any objection that it may now or hereafter have to the
laying of the venue of any such suit, action or proceeding in any such court or that any such suit, action or proceeding brought in any such court has been brought in an inconvenient forum. Process in any such suit, action or proceeding may be
served on any party anywhere in the world, whether within or without the jurisdiction of any such court. 
 5.7 Severability. If any
one or more of the provisions contained herein, or the application thereof in any circumstance, is held invalid, illegal or unenforceable in any respect for any reason, the validity, legality and enforceability of any such provision in every other
respect and of the remaining provisions hereof shall not be in any way impaired, unless the provisions held invalid, illegal or unenforceable shall substantially impair the benefits of the remaining provisions hereof. 

5.8 Entire Agreement. This Agreement, together with the schedules and exhibits hereto, are intended by the parties as a final
expression of their agreement and are intended to be a complete and exclusive statement of the agreement and understanding of the parties hereto in respect of the subject matter contained herein and therein. There are no restrictions, promises,
warranties or undertakings, other than those set forth or referred to herein or therein. This Agreement supersedes all prior agreements and understandings between the parties with respect to such subject matter. 

5.9 Further Assurances. Each of the parties shall execute such documents and perform such further acts (including, without limitation,
obtaining any consents, exemptions, authorizations, or other actions by, or giving any notices to, or making any filings with, any Governmental Authority or any other Person) as may be reasonably required or desirable to carry out or to perform the
provisions of this Agreement. 
 [Remainder of page intentionally left blank] 

  
 8 

 IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed and delivered by
their respective officers hereunto duly authorized as of the date first above written. 
  

			
	[Seller]
		
	By:	 	  

	Name:	 	
	Title:	 	
	
	Notice Address:
	
	  

	
	  

	
	  

	
	  

	
	Wire Instructions:
	
	  

	
	  

	
	  

	
	  

 [Signature Page to Purchase Agreement] 

 
			
	loanDepot, Inc.
		
	By:	 	  

	Name:	 	
	Title:	 	

 [Signature Page to Purchase Agreement] 

 Schedule I 

Initial Purchased Paired Interests 
  

					
	 Name of Initial Closing

Sellers
	 	 Initial

Purchased

Paired Interests
	 	 TRA Seller

	
[                    ]
	 	[            ]	 	[Yes/No]

 Additional Purchased Paired Interests 

 

			
	 Name of Additional Closing Sellers
	 	 Initial

Purchased

Paired Interests

	
[                    ]
	 	[            ]

 EXHIBIT A 

[FORM OF] ASSIGNMENT AGREEMENT 

ASSIGNMENT AGREEMENT (this “Agreement”), dated as of
[            ], 2015, by and among the sellers listed as “Sellers” on the signature pages hereto, as sellers (collectively, the “Sellers” and each, a
“Seller”), and loanDepot, Inc., a Delaware corporation (the “Purchaser”), and loanDepot Holdings, LLC, a Delaware limited liability company (“LD Holdings”). Each capitalized term used herein without
definition shall have the meaning assigned to it in the Purchase Agreement (as defined below). 
 RECITALS 

WHEREAS, the Purchaser, the Sellers entered into a Purchase Agreement, dated as of
[            ], 2015 (the “Purchase Agreement”), pursuant to which each Seller agreed to sell, assign, convey and transfer its Holdco Units to the Purchaser; and 

WHEREAS, the Purchaser has agreed to purchase such Holdco Units from each Seller pursuant to the Purchase Agreement. 

NOW, THEREFORE, in consideration of the mutual agreements contained herein and in the Purchase Agreement, and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the parties to this Agreement agree as follows: 
 1.
Transfer. Each Seller hereby sells, assigns, conveys and transfers to the Purchaser the number of Holdco Units set forth below its signature on the signature pages hereto. 

2. Acknowledgement of Sale by LD Holdings. LD Holdings hereby acknowledges the sale, assignment, conveyance and transfer by each Seller
to the Purchaser of the number of Holdco Units set forth under such Seller’s signature hereto and shall cause its records and the member schedule to its Limited Liability Company Agreement to be amended to reflect the sale and transfer of such
Holdco Units as contemplated in the Purchase Agreement and herein. 
 3. Governing Law. This Agreement shall be governed by and
construed in accordance with the laws of the State of Delaware. The parties hereto agree that any suit, action or proceeding seeking to enforce any provision of, or based on any matter arising out of or in connection with, this Agreement or the
transactions contemplated hereby shall be brought in the Delaware chancery court or, if such court shall not have jurisdiction, any federal court located in the State of Delaware or other Delaware state court, and each of the parties hereby
irrevocably consents to the jurisdiction of such courts (and of the appropriate appellate courts therefrom) in any such suit, action or proceeding and irrevocably waives, to the fullest extent permitted by law, any objection that it may now or
hereafter have to the laying of the venue of any such suit, action or proceeding in any such court or that any such suit, action or proceeding brought in any such court has been brought in an inconvenient forum. Process in any such suit, action or
proceeding may be served on any party anywhere in the world, whether within or without the jurisdiction of any such court. 

  
 A-1 

 4. Headings. The headings in this Agreement are for convenience of reference only and
shall not limit or otherwise affect the meaning hereof. 
 5. Further Assurances. Each of the parties shall execute such documents
and perform such further acts (including, without limitation, obtaining any consents, exemptions, authorizations, or other actions by, or giving any notices to, or making any filings with, any Governmental Authority or any other Person) as may be
reasonably required or desirable to carry out or to perform the provisions of this Agreement. 
 6. Counterparts. This Agreement may
be executed in any number of counterparts and in separate counterparts, all of which when so executed shall be deemed to be an original and all of which when taken together shall constitute one and the same agreement. 

[remainder of page intentionally left blank] 

  
 A-2 

 IN WITNESS WHEREOF, this Agreement has been duly executed and delivered by the Parties to this
Agreement as of the date first written above. 
  

			
	[Seller]
		
	By:	 	  

	Name:	 	
	Title:	 	
	
	Number of Holdco Units:                     

 [Signature Page to Assignment Agreement] 

 
			
	loanDepot, Inc.
		
	By:	 	  

	Name:	 	
	Title:	 	
	
	loanDepot Holdings, LLC
		
	By:	 	  

	Name:	 	
	Title:	 	

 [Signature Page to Assignment Agreement]EX-10.43

 Exhibit 10.43 

AMENDMENT TO UNIT GRANT AGREEMENTS 

THIS AMENDMENT TO UNIT GRANT AGREEMENTS (this “Agreement”) is made as of
                 , 2015, between loanDepot.com, LLC, a Delaware limited liability company (“LDLLC”), loanDepot Holdings, LLC, a Delaware limited
liability company (“LD Holdings”), and the grantee set forth on the signature page hereto (“Grantee”). Capitalized terms used but not otherwise defined herein shall have the meanings ascribed to them in the Limited
Liability Company Agreement of LD Holdings, dated as of             , 2015, as the same may be amended, modified or supplemented from time to time pursuant to its terms (the
“Holdings LLC Agreement”). Certain additional definitions are set forth in Section 4. 
 WHEREAS, Grantee
received certain Incentive Units (as defined in the 6th LLC Agreement) of LDLLC (the “Original Units”) pursuant to certain unit grant agreement(s) between LDLLC and Grantee (each a “Prior Grant Agreement” and
collectively the “Prior Grant Agreements”); 
 WHEREAS, pursuant to the terms of the Prior Grant Agreements, immediately
upon the grant of the Original Units, such Original Units were contributed to TMI1, TMI2, TMI3 or TMI6 (each a “TMI Entity” and together the “TMI Entities”), as applicable, in exchange for a corresponding number of
units of such TMI Entity; 
 WHEREAS, the Board of LDLLC has determined to enter into a Restructuring pursuant to Section 9.8 of the
6th LLC Agreement, and pursuant thereto, all unvested Original Units may be canceled without consideration unless otherwise determined by the Board of LDLLC; 

WHEREAS, in lieu of the cancellation of unvested Original Units, the Board of LDLLC has determined that it would be in the best interests of
LDLLC to continue the vesting and other terms of the Prior Grant Agreements governing the Original Units, subject to the terms and conditions set forth herein; 

WHEREAS, pursuant to Section 9.8 of the 6th LLC Agreement, all of the units of LDLLC other than the Class I Common Units were converted
into Class A Common Units of LDLLC, and the 7th LLC Agreement was adopted; 
 WHEREAS, pursuant to Section 9.8 of the 7th LLC
Agreement, each Class A Common Unit of LDLLC was exchanged (the “Exchange”) for one Class A Common Unit of LD Holdings (a “Holdco Unit”) and one Class B Share of Pubco a (a “Class B
Share”, and together with a Holdco Unit, a “Combined Unit”); 
 WHEREAS, immediately after the Exchange, each of
the TMI Entities dissolved and Grantee received Grantee’s applicable share of the Combined Units held by such TMI Entity; and 

WHEREAS, LDLLC, LD Holdings and Grantee now desire to amend the terms of the Prior Grant Agreements in accordance with the terms of this
Agreement. 

  
 - 1 - 

 NOW, THEREFORE, in consideration of the mutual covenants contained herein and other good and
valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties to this Agreement hereby agree as follows: 

1. Exchange of Units. 

(a) The Holdco Units and Class B Shares that Grantee now holds in lieu of the Original Units that Grantee originally held shall be subject to
the same vesting terms and other terms of the applicable Prior Grant Agreement pursuant to which such Original Units were originally granted to Grantee. For purposes of clarification, each Prior Grant Agreement and the number of Holdco Units and
Class B Shares issued in respect of the Original Units in connection with the Exchange are set forth on Schedule I attached hereto. LD Holdings may deliver to Grantee a copy of the certificate(s), if any, representing the Holdco Units. 

(b) As a condition to (i) not canceling the unvested Original Units and (ii) enjoying the rights and benefits under the Holdings LLC
Agreement (including without limitation the exchange rights therein), Grantee agrees as of the date of the Holdings LLC Agreement (A) to join and be bound by the Holdings LLC Agreement as a “Member” and “Unitholder”
thereunder pursuant to a Joinder and General Release in the form of Exhibit A attached hereto and (B) that the Holdco Units shall be subject to the restrictions and obligations applicable thereto contained in the Holdings LLC
Agreement, the Prior Grant Agreements and this Agreement. 
 (c) For U.S. federal and relevant state income tax purposes, LD Holdings shall
be treated as a continuation of LDLLC (i.e., the same tax partnership) in accordance with the principles of Revenue Ruling 84-52, 1984-1 C.B. 157, and Revenue Ruling 95-37, 1995-1 C.B. 130. 

2. Continuation of Prior Grant Agreement Terms. 

(a) Grantee reaffirms that all terms and conditions (including, without limitation, any applicable vesting provisions and repurchase
provisions), obligations and all representations and warranties made by Grantee to LDLLC under any Prior Grant Agreement shall remain in full force and effect with the substitution of LD Holdings for LDLLC in the same manner as if LD Holdings was an
original signatory thereto; provided, that Pubco or LD Holdings shall also have the right to exercise any repurchase provisions with respect to the Holdco Units and the Class B Shares in the same manner as LDLLC had repurchase rights in the
applicable Prior Grant Agreement; provided further, that upon any exercise of such repurchase rights by Pubco or LD Holdings, both the Holdco Units and Class B Shares shall be deemed to be repurchased by Pubco or LD Holdings, as
applicable. Notwithstanding the foregoing, the return thresholds that were applicable to the Original Units shall not be applicable to the Holdco Units or Class B Shares. All references to the 6th LLC Agreement, 7th LLC Agreement or any prior
limited liability company agreement of LDLLC, as applicable, in each Prior Grant Agreement shall be deemed to be replaced with corresponding references to the Holdings LLC Agreement. 

(b) Grantee shall execute in blank one assignment separate from certificate in the form of Exhibit B attached hereto (the
“Unit Power”) with respect to the Holdco Units and shall deliver such Unit Power to LD Holdings. The Unit Power shall authorize LD Holdings to assign, transfer and deliver the Holdco Units to the appropriate acquiror thereof
pursuant to Section 9.2 of the Holdings LLC Agreement. 

  
 - 2 - 

 3. Tax Advice. Grantee acknowledges that neither LD Holdings nor any of its Affiliates is
giving any tax advice to Grantee and Grantee is fully responsible for all tax consequences arising out of the Exchange or the Prior Grant Agreements. 

4. Definitions. For purposes of this Agreement, the following terms, when used herein with initial capital letters, shall have the
respective meanings set forth below: 
 “6th LLC Agreement” means the Sixth Amended and Restated Limited Liability Company
Agreement of LDLLC, dated August 25, 2015. 
 “7th LLC Agreement” means the Seventh Amended and Restated Limited
Liability Company Agreement of LDLLC. 
 “Agreement” is defined in the Preamble. 

“Board of LD Holdings” means the board of managers or such other similar governing body of LD Holdings. 

“Board of LDLLC” means the board of managers or such other similar governing body of LDLLC. 

“Class B Share” is defined in the Recitals. 

“Combined Unit” is defined in the Recitals. 

“Exchange” is defined in the Recitals. 

“Grantee” is defined in the Preamble. 

“Holdco Unit” means each Class A Common Units of LD Holdings acquired by Grantee pursuant to Section 1(a),
and any units or equity securities that Grantee may hereafter acquire on account of such units by way of (i) a unit split, unit dividend, conversion or other recapitalization or (ii) a reorganization or recapitalization of LD Holdings in
connection with the incorporation of a corporate successor prior to a Public Offering. 
 “Holdings LLC Agreement” is
defined in the Preamble. 
 “LD Holdings” is defined in the Preamble. 

“LDLLC” is defined in the Preamble. 

“Original Unit” is defined in the Recitals. 

“Prior Grant Agreement” is defined in the Recitals. 

“Pubco” means loanDepot, Inc., a Delaware corporation. 

  
 - 3 - 

 “Separation” means termination of Grantee’s employment with LD Holdings,
Pubco or any of their Affiliates for any reason other than (a) a transfer of Grantee’s employment with LD Holdings, Pubco or any of their Affiliates or (b) a termination in connection with a sale of LD Holdings, Pubco or any of their
Affiliates structured as a sale of all or substantially all of the assets of LD Holdings, Pubco or such Affiliate, as applicable, where the Grantee becomes employed by the acquiring entity or the successor entity to LD Holdings, Pubco or such
Affiliate in connection with the occurrence thereof. 
 “Taxes” is defined in Section 6(1). 

“TMI Entity” is defined in the Recitals. 

“TMI1” mean Trilogy Management Investors, LLC, a Delaware limited liability company. 

“TMI2” mean Trilogy Management Investors Two, LLC, a Delaware limited liability company. 

“TMI3” mean Trilogy Management Investors Three, LLC, a Delaware limited liability company. 

“TMI6” mean Trilogy Management Investors Six, LLC, a Delaware limited liability company. 

“Unit Power” is defined in Section 2(b). 

5. Notices. All notices, requests, demands, consents, instructions or other communications required or permitted hereunder shall be in
writing and will be deemed to have been duly given only if faxed, sent via e-mail, mailed or delivered to the parties at the addresses, facsimile numbers, or email addresses set forth on the applicable Prior Grant Agreement pursuant to which the
Original Units were originally granted to Grantee, or to such other address of Grantee as may be reflected from time to time in LD Holdings’ records. 

All such notices and other communications will be deemed effectively given the earlier of (i) when received, (ii) when delivered personally,
(iii) on the same business day of delivery by facsimile (with receipt of appropriate confirmation) if delivered before 5:00 p.m. local time and one business day after delivery by facsimile (with receipt of appropriate confirmation) if
delivered after 5:00 p.m. local time, (iv) at the time of confirmation of e-mail delivery (by return receipt or other reasonable confirmation), or (v) one business day after being deposited with an overnight courier service of
recognized standing. Any party from time to time may change its address, facsimile number or other information for the purpose of notices to that party by giving notice specifying such change to the other parties hereto. 

6. General Provisions. 

(a) Transfers in Violation of Agreement. Any Transfer or attempted Transfer of any Holdco Units in violation of any provision of this
Agreement (or the Holdings LLC Agreement) shall be void, and LD Holdings shall not record such Transfer on its books or treat any purported transferee of such Holdco Units as the owner of such Holdco Units for any purpose. 

  
 - 4 - 

 (b) Severability. Whenever possible, each provision of this Agreement will be interpreted
in such manner as to be effective and valid under applicable law, but if any provision of this Agreement is held to be invalid, illegal or unenforceable in any respect under any applicable law or rule in any jurisdiction, such invalidity, illegality
or unenforceability will not affect any other provision or any other jurisdiction, but this Agreement will be reformed, construed and enforced in such jurisdiction as if such invalid, illegal or unenforceable provision had never been contained
herein. 
 (c) Complete Agreement. This Agreement and those documents expressly referred to herein embody the complete agreement and
understanding among the parties and supersede and preempt any prior understandings, agreements or representations by or among the parties, written or oral, which may have related to the subject matter hereof in any way. 

(d) Counterparts. This Agreement and the exhibits and schedules hereto may be executed in separate counterparts (including by means of
facsimile or electronic transmission), each of which is deemed to be an original and all of which taken together constitute one and the same agreement. Any counterpart may be executed by facsimile or electronic mail with pdf attachment and such
signature shall be deemed an original. 
 (e) Successors and Assigns. Except as otherwise provided herein, this Agreement shall bind
and inure to the benefit of and be enforceable by each of the parties and their respective successors and assigns (including subsequent holders of Holdco Units); provided, that the rights and obligations of Grantee under this Agreement are
not assignable without the written consent of LD Holdings. Any purported assignment or delegation by Grantee in violation of the foregoing shall be null and void ab initio and of no force and effect. 

(f) Choice of Law; Venue. The law of the State of Delaware will govern all issues and questions concerning the relative rights and
obligations of LD Holdings and its Unitholders. All other issues and questions concerning the construction, validity, enforcement and interpretation of this Agreement and the exhibits and schedules hereto will be governed by, and construed in
accordance with, the laws of the State of Delaware, without giving effect to any choice of law or conflict of law rules or provisions (whether of the State of Delaware or any other jurisdiction) that would cause the application of the laws of any
jurisdiction other than the State of Delaware. Any dispute relating hereto shall be heard in the state or federal courts located in Los Angeles, California, and the parties agree to such jurisdiction and venue. 

(g) WAIVER OF JURY TRIAL. TO THE EXTENT PERMITTED BY LAW, EACH OF THE PARTIES TO THIS AGREEMENT HEREBY WAIVE ALL RIGHT TO TRIAL BY JURY
IN ANY PROCEEDING (WHETHER BASED ON CONTRACT, TORT OR OTHERWISE) ARISING OUT OF OR RELATING TO THIS AGREEMENT, OR PERFORMANCE BY THE PARTIES UNDER OR THE ENFORCEMENT OF THIS AGREEMENT. 

  
 - 5 - 

 (h) Remedies. Each of the parties to this Agreement will be entitled to enforce its rights
under this Agreement specifically, to recover damages and costs (including attorney’s fees) caused by any breach of any provision of this Agreement and to exercise all other rights existing in its favor. The parties hereto agree and acknowledge
that money damages may not be an adequate remedy for any breach of the provisions of this Agreement and that any party may in its sole discretion obtain from any court of law or equity of competent jurisdiction (without posting any bond or deposit)
specific performance and/or other injunctive relief in order to enforce or prevent any violations of the provisions of this Agreement. 

(i) Amendment and Waiver. The provisions of this Agreement may be amended and waived only with the prior written consent of LD Holdings
(through the Board of LD Holdings) and Grantee. 
 (j) Power of Attorney. Grantee constitutes, appoints and grants LD Holdings with
full power to act as its true and lawful representative and attorney-in-fact, in Grantee’s name, place and stead to assign and transfer the Holdco Units to the appropriate acquirer thereof pursuant to Section 9.2 of the Holdings LLC
Agreement and under no other circumstances and to take all related actions and execute all related documents and instruments on behalf of Grantee in furtherance of the foregoing. The powers of attorney granted herein shall be deemed to be coupled
with an interest and irrevocable. 
 (k) Business Days. If any time period for giving notice or taking action hereunder expires on a
day that is a Saturday, Sunday or holiday in the state in which LD Holdings’ chief executive office is located, the time period shall be automatically extended to the business day immediately following such Saturday, Sunday or holiday. 

(l) Indemnification and Reimbursement of Payments on Behalf of Grantee. LD Holdings and its Subsidiaries shall be entitled to deduct or
withhold from any amounts owing from LD Holdings or any of its Subsidiaries to Grantee any federal, state, local or foreign withholding taxes, excise taxes, or employment taxes (“Taxes”) imposed with respect to Grantee’s
compensation or other payments from LD Holdings or any of its Affiliates or Grantee’s ownership interest in LD Holdings, including, without limitation, wages, bonuses, dividends, the receipt or exercise of options and/or the receipt, repurchase
or vesting of restricted securities. In the event LD Holdings or any of its Affiliates do not make such deductions or withholdings, Grantee shall indemnify LD Holdings and its Affiliates for any amounts paid with respect to any such Taxes, together
with any interest, penalties and related expenses thereto. 
 (m) Termination. This Agreement shall survive a Separation and shall
remain in full force and effect after such Separation. 
 (n) Adjustments of Numbers. All numbers set forth herein, if any, that
refer to unit prices or amounts will be appropriately adjusted to reflect unit splits, unit dividends / distributions, combinations of units and other recapitalizations affecting the subject class or series of units. 

(o) No Pledge or Security Interest. The purpose of LD Holdings’ retention of Grantee’s certificates and executed Unit Power
is solely to facilitate the transfer of Holdco Units 

  
 - 6 - 

 
pursuant to Section 9.2 of the Holdings LLC Agreement and does not constitute a pledge by Grantee of, or the granting of a security interest in, the underlying securities. The certificates
and Unit Power may be used solely for the purposes set forth in Section 9.2 of the Holdings LLC Agreement. 
 (p) Further
Assurances. Grantee will sign such further documents and do and perform and cause to be done such further acts and things as may be reasonably necessary in order to give full effect to this Agreement and every provision hereof. 

(q) Deemed Transfer of Holdco Units. If LD Holdings makes available, at the time and place and in the amount and form provided in this
Agreement, the consideration for the Holdco Units and Class B Shares to be repurchased in accordance with the provisions of this Agreement, then from and after such time, the person from whom such Holdco Units and Class B Shares are to be
repurchased shall no longer have any rights as a holder of such Holdco Units and Class B Shares (other than the right to receive payment of such consideration in accordance with this Agreement), and such Holdco Units and Class B Shares shall be
deemed purchased in accordance with the applicable provisions hereof and LD Holdings or Pubco, as applicable, shall be deemed the owner and holder of such Holdco Units and Class B Shares whether or not the certificates therefor have been delivered
as required by this Agreement. 
 (r) Construction. The language used in this Agreement will be deemed to be the language chosen by
the parties to express their mutual intent, and no rule of strict construction will be applied against any party. In addition, unless the context otherwise requires: 

(i) “Or” is disjunctive but not exclusive. 

(ii) Words in the singular include the plural, and in the plural include the singular. 

(iii) The words “hereof,” “herein,” “hereunder” and words of similar import shall refer to this Agreement as a
whole and not to any particular Section or provision of this Agreement, and reference to a particular Section of this Agreement shall include all subsections thereof. 

(iv) References to the masculine, feminine or neuter gender shall include each other gender. 

(v) The word “including” shall mean including without limitation. 

(vi) Any reference to “$” or “dollars” shall mean United States dollars. 

(vii) Holdco Units will continue to be Holdco Units in the hands of any holder other than Grantee (except for LD Holdings and except for
transferees in a Public Offering), and except as otherwise provided herein, each such other holder of Holdco Units will succeed to all rights and obligations attributable to Grantee as a holder of Holdco Units hereunder. Holdco Units will also
include equity of LD Holdings (or a corporate successor to LD Holdings) issued with respect to Holdco Units (i) by way of a unit split, unit dividend, conversion, or other recapitalization or (ii) by way of reorganization or
recapitalization of LD Holdings in connection with the incorporation of a corporate successor prior to a Public Offering. 

[Signature Pages Follow] 

  
 - 7 - 

 IN WITNESS WHEREOF, the parties hereto have executed this Amendment to Unit Grant Agreements on
the date first written above. 
  

			
	LOANDEPOT.COM, LLC
		
	By:	 	  

	Name:	 	Anthony Hsieh
	Its:	 	Manager
	
	LOANDEPOT HOLDINGS, LLC
		
	By:	 	  

	Name:	 	Anthony Hsieh
	Its:	 	Manager

  
 Signature Page
to Amendment to Unit Grant Agreements 

 
	
	  

	[Grantee Name]

  
 Signature Page
to Amendment to Unit Grant Agreements 

 EXHIBIT A 

LIMITED LIABILITY COMPANY AGREEMENT 

Joinder and General Release 

The undersigned is executing and delivering this Joinder and General Release pursuant to the Limited Liability Company Agreement of loanDepot
Holdings, LLC, a Delaware limited liability company (“LD Holdings”), dated as of             , 2015, as amended and in effect from time to time (the “Holdings LLC
Agreement”). Capitalized terms used herein and not otherwise defined shall have the meanings ascribed to such terms in the Holdings LLC Agreement. 

By executing and delivering to LD Holdings this Joinder and General Release, the undersigned hereby agrees to become a party thereto, and
shall accept and be subject to, and comply with the terms, conditions and provisions of the Holdings LLC Agreement as a “Member” and a “Unitholder” thereunder and shall be entitled to the rights and benefits and subject to the
duties and obligations of a Member and a Unitholder thereunder in the same manner as if the undersigned was an original signatory to the Holdings LLC Agreement. 

Further, in consideration for the Combined Units (as defined in the Holdings LLC Agreement), the noncancellation of unvested Original Units,
the rights in the Holdings LLC Agreement and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the undersigned for himself or herself, his or her successors, assigns and heirs, and all other persons,
firms or corporations related to or in any way affiliated with, claiming by or through, otherwise acting on behalf or under the direction or control of the foregoing, releases and forever relieves and discharges each Releasee of and from any and all
obligations, promises, acts, damages, liabilities, claims, counterclaims, causes of action, setoffs or demands of whatever kind or nature, including without limitation all claims for interest, costs and attorneys’ fees, whether known or
unknown, mature or contingent, suspected or unsuspected, that he or she has, had or may have against any Releasee from the beginning of time up to, through and including the date of this Agreement, which were or could have been asserted by the
undersigned against any such Releasee for any acts, omissions, transactions, events, occurrences, statements or failures to act of any kind or nature (the “Released Matters”). 

“Releasee” means any of the following entities and their predecessors, successors, assigns and past, present and future
equityholders, partners, officers, managers, employees, representatives, attorneys, accountants and agents: LD Holdings; loanDepot.com, LLC, a Delaware limited liability company; loanDepot Holdings, Inc., a Delaware corporation; Anthony Hsieh;
Trilogy Management Investors, LLC, a Delaware limited liability company; Trilogy Management Investors Two, LLC, a Delaware limited liability company; Trilogy Management Investors Three, LLC, a Delaware limited liability company; Trilogy Management
Investors Four, LLC, a Delaware limited liability company; Trilogy Management Investors Five, LLC, a Delaware limited liability company; and Trilogy Management Investors Six, LLC, a Delaware limited liability company. 

The undersigned specifically waives the benefit of the provisions of Section 1542 of the Civil Code of the State of California and of any
successor section to it, and any similar statute or common law of any other jurisdiction or state, which Section 1542 reads as follows: 

A GENERAL RELEASE DOES NOT EXTEND TO THE CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF
EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH DEBTOR. 

  
 A-1 

 EXHIBIT A 
  

 In connection with this waiver, the undersigned acknowledges that he or she is aware that he
or she may hereafter discover claims presently unknown or unsuspected, or facts in addition to or different from those which he or she now knows or believes to be true. Nevertheless, he or she intends by this Joinder and General Release to release
fully, finally and forever all Released Matters. In furtherance of such intention, the release set forth in this Joinder and General Release shall be and remain in effect as a full and complete release of the Released Matters notwithstanding the
discovery or existence of any such additional or different claims or facts relevant hereto. 
 This Joinder and General Release shall be
governed by Delaware law without giving effect to any choice of law of conflict of law rules or provisions that would cause the application of the law of any other state or jurisdiction. Any dispute arising hereunder shall be resolved in accordance
with Section 14.8 of the Holdings LLC Agreement 
 Accordingly, the undersigned has executed and delivered this Joinder and General
Release as of                  , 2015. 
  

			
	By:	 	  

		
	Name:	 	  

 
			
		
	Title (if entity):	 	  

 Acknowledged and Agreed to as of             
    , 2015 by: 
 loanDepot Holdings, LLC 
  

			
	By:	 	  

	Name:	 	Anthony Hsieh
	Its:	 	Manager

  
 A-2 

 EXHIBIT B 

ASSIGNMENT SEPARATE FROM CERTIFICATE 

FOR VALUE RECEIVED, the undersigned does hereby sell, assign and transfer unto
                    , a                     ,
             Class A Common Units of loanDepot Holdings, LLC, a Delaware limited liability company (“LD Holdings”), standing in the undersigned’s name on the
books of LD Holdings represented by Certificate Nos.                      herewith and does hereby irrevocably constitute and appoint
                     as attorney to transfer the said units on the books of LD Holdings with full power of substitution in the premises pursuant to
the terms of the Amendment to Unit Grant Agreements, dated as of                  , 2015, among the undersigned, loanDepot.com, LLC, a Delaware limited liability
company, and LD Holdings, and the Limited Liability Company Agreement LD Holdings, dated                  , 2015, as each may be amended from time to time. 

Dated: 
  

			
	By:	 	  

		
	Name:	 	  

 
			
		
	Title (if entity):	 	  

  
 B-1 

 SCHEDULE I 
  

			
	 Prior Grant Agreement
	  	 Number of Holdco Units and

Class B Shares

		  	
		  	
		  	
		  	

  
 S-1

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