Document:

EX-10.22.3

 Exhibit 10.22.3 

EXECUTED 
 AMENDMENT NO.
3 
 TO MASTER REPURCHASE AGREEMENT 

Amendment No. 3 to Master Repurchase Agreement, dated as of April 26, 2016 (this “Amendment”), between UBS Bank USA
(the “Buyer”) and loanDepot.com, LLC (the “Seller”). 
 RECITALS 

The Buyer and Seller are parties to that certain (a) Master Repurchase Agreement, dated as of June 1, 2015 (as amended by Amendment
No. 1, dated as of September 4, 2015 and Amendment No. 2, dated as of October 30, 2015, the “Existing Repurchase Agreement”; as further amended by this Amendment, the “Repurchase Agreement”) and
(b) Pricing Letter, dated as of June 1, 2015 (as amended, restated, supplemented or otherwise modified from time to time, the “Pricing Letter”). Capitalized terms used but not otherwise defined herein shall have the
meanings given to them in the Existing Repurchase Agreement. 
 Accordingly, the Buyer and Seller hereby agree, in consideration of the
mutual promises and mutual obligations set forth herein, that the Existing Repurchase Agreement is hereby amended as follows: 

SECTION 1. Nullification of Prior Amendment. The parties hereby agree that the IPO as described in Amendment No. 2 has not
occurred and therefor the amendments and provisions in Amendment No. 2 shall be null and void with no effect thereto. 

SECTION 2. Definitions. Section 2 of the Existing Repurchase Agreement is hereby amended by deleting the definition of
“Jumbo Mortgage Loan” in its entirety and replacing it with the following: 
 “Jumbo Mortgage Loan” shall
mean a Mortgage Loan which is secured by a first lien (subject to Permitted Encumbrances) Mortgage that (a) has an original Mortgage Loan principal balance in excess of general Conforming Mortgage Loan limits but not in excess of $2,000,000 or
such other amount agreed to by Buyer in its sole discretion, (b) has an original Mortgage Loan principal balance in excess of the maximum high balance county limit for the county that the subject property is located in but not in excess of
$2,000,000 or such other amount agreed to by Buyer in its sole discretion; (c) meets the eligibility requirements of Buyer as determined in its sole discretion and (d) has a Takeout Commitment from an Approved Investor which (i) shall
include evidence of an underwriting approval, with no conditions outstanding to close the Mortgage Loan and a Takeout Price, purchase price commitment number and purchase price commitment expiration date for the Mortgage Loan or (ii) is in form
and substance acceptable to Buyer in its sole discretion. 
 SECTION 3. Covenants. Section 11 of the Existing Repurchase
Agreement is hereby amended by: 
 3.1 deleting subsection (c)(i)(B) in its entirety and replacing it with the following: 

  
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   (B) any (a) default or event of default under any
Indebtedness of Seller Party or (b) material litigation, material investigation, material regulatory action or material proceeding that is pending or, to the knowledge of the Seller, threatened by or against Seller Party in any federal or state
court or before any Governmental Authority, and (c) any Material Adverse Effect with respect to Seller Party; 

  3.2 deleting subsection (d)(iv) in its entirety and replacing it with the following: 

  (iv) Simultaneously with the furnishing of each of the Financial Statements to be delivered pursuant to subsections
(i) and (iii) above, submission of a certificate in the form of Exhibit A to the Pricing Letter and certified by the president, chief financial officer or designee as approved by Buyer of the Financial Reporting Party, which includes
detailed reporting to the materials set forth therein including without limitation, any request for repurchase of or indemnification for a Mortgage Loan purchased by a third party investor, the valuation of the Seller’s Capitalized Mortgage
Servicing Rights by any third-party evaluator and quarterly a legal and compliance questionnaire certified by the general counsel or chief/head of compliance; 

SECTION 4. Conditions Precedent. This Amendment shall become effective as of the date hereof, subject to the satisfaction of
the following conditions precedent: 
   (a) Buyer shall have received this Amendment, executed and delivered by
duly authorized officers of the Buyer and Seller; 
   (b) Amendment No. 7 to the Pricing Letter, executed and
delivered by duly authorized officers of the Buyer and Seller; and 
   (c) such other documents as the Buyer or
counsel to the Buyer may reasonably request. 
 SECTION 5. Ratification of Agreement. As amended by this Amendment, the Existing
Repurchase Agreement is in all respects ratified and confirmed and the Existing Repurchase Agreement as so modified by this Amendment shall be read, taken, and construed as one and the same instrument. 

SECTION 6. Representations and Warranties. Seller hereby represents and warrants to the Buyer that, giving effect to this
Amendment, it is in compliance with all the terms and provisions set forth in the Repurchase Agreement on its part to be observed or performed, and that no Default or Event of Default has occurred or is continuing, and hereby confirms and reaffirms
the representations and warranties contained in Section 10 of the Repurchase Agreement. Seller hereby represents and warrants that this Amendment has been duly and validly executed and delivered by it, and constitutes its legal, valid and
binding obligation, enforceable against it in accordance with its terms. 
 SECTION 7. Limited Effect. Except as expressly
amended and modified by this Amendment, the Existing Repurchase Agreement shall continue to be, and shall remain, in full force and effect in accordance with its terms. 

  
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 SECTION 8. Severability. Each provision and agreement herein shall be treated as
separate and independent from any other provision or agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement. 

SECTION 9. Counterparts. This Amendment may be executed in any number of counterparts, all of which taken together shall
constitute one and the same instrument, and any of the parties hereto may execute this Amendment by signing any such counterpart. The parties agree that this Amendment, any documents to be delivered pursuant to this Amendment and any notices
hereunder may be transmitted between them by email and/or by facsimile. Delivery of an executed counterpart of a signature page of this Amendment in Portable Document Format (PDF) or by facsimile shall be effective as delivery of a manually executed
original counterpart of this Amendment. The original documents shall be promptly delivered, if requested. 
 SECTION 10. Binding
Effect. This Amendment shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns. 

SECTION 11. GOVERNING LAW. THIS AMENDMENT AND ANY CLAIM, CONTROVERSY OR DISPUTE ARISING UNDER OR RELATED TO THIS
AMENDMENT, THE RELATIONSHIP OF THE PARTIES TO THIS AMENDMENT, AND/OR THE INTERPRETATION AND ENFORCEMENT OF THE RIGHTS AND DUTIES OF THE PARTIES TO THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS AND DECISIONS
OF THE STATE OF NEW YORK, WITHOUT REGARD TO THE CHOICE OF LAW RULES THEREOF. THE PARTIES HERETO INTEND THAT THE PROVISIONS OF SECTION 5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW SHALL APPLY TO THIS
AMENDMENT. NOTWITHSTANDING ANYTHING TO THE CONTRARY, THE EFFECTIVENESS, VALIDITY AND ENFORCEABILITY OF ELECTRONIC CONTRACTS, OTHER RECORDS, ELECTRONIC RECORDS AND ELECTRONIC SIGNATURES USED IN CONNECTION WITH ANY ELECTRONIC TRANSACTION BETWEEN BUYER
AND SELLER SHALL BE GOVERNED BY E-SIGN. 
 [SIGNATURE PAGE FOLLOWS] 

  
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 IN WITNESS WHEREOF, the parties have caused their names to be signed hereto by their
respective officers thereunto duly authorized as of the day and year first above written. 
  

			
	UBS BANK USA, as Buyer
		
	By:	 	
                     
            

		 	Name:
		 	Title:
		
	By:	 	
                     
                

		 	Name:
		 	Title:
	
	LOANDEPOT.COM, LLC, as Seller
		
	By:	 	
                     
            

		 	Name:
		 	Title:

  
 Signature Page to
Amendment No. 3 to Master Repurchase AgreementEX-10.22.4

 Exhibit 10.22.4 

EXECUTION VERSION 

ASSIGNMENT AND AMENDMENT NO. 4 

TO MASTER REPURCHASE AGREEMENT AND 

ASSIGNMENT AND AMENDMENT NO. 8 TO PRICING LETTER 

Assignment and Amendment No. 4 to Master Repurchase Agreement and Assignment and Amendment No. 8 to Pricing Letter dated,
July 26, 2016 (this “Amendment”) among loanDepot.com, LLC (the “Seller”), UBS BANK USA (“Assignor”) and UBS AG, by and through its branch office at 1285 Avenue of the Americas, New York, New
York (“Assignee” and “UBS 1285”). 
 WITNESSETH 

Assignor and Seller are parties to that certain (a) Master Repurchase Agreement, dated as of June 1, 2015 (as amended by Amendment
No. 1, dated as of September 4, 2015, Amendment No. 2, dated as of October 30, 2015 and Amendment No. 3, dated as of April 26, 2016, the “Existing Repurchase Agreement”, and as further amended by this
Amendment, the “Repurchase Agreement”) and (b) Pricing Letter, dated as of June 1, 2015 (as amended by Amendment No. 1, dated as of June 29, 2015, Amendment No. 2, dated as of July 17, 2015, Amendment
No. 3, dated as of September 4, 2015, Amendment No. 4, dated as of October 30, 2015, Amendment No. 5, dated as of January 15, 2016, Amendment No. 6, dated as of January 28, 2016 and Amendment No. 7, dated
as of April 26, 2016, the “Existing Pricing Letter”, and as further amended by this Amendment, the “Pricing Letter”). Capitalized terms used but not otherwise defined herein shall have the meanings given to
them in the Existing Repurchase Agreement and Existing Pricing Letter, as applicable. 
 Assignor wishes to assign to UBS 1285 and UBS 1285
wishes to assume all of the Assignor’s interest in the Repurchase Agreement, the Pricing Letter, the other Program Documents and all future and outstanding Transactions thereunder. 

Assignor, UBS 1285 and Seller have agreed, subject to the terms and conditions of this Amendment, that the Existing Repurchase Agreement and
Existing Pricing Letter be amended to reflect certain agreed upon revisions to the terms thereof. 
 Accordingly, Assignor, UBS 1285 and
Seller hereby agree, in consideration of the mutual promises and mutual obligations set forth herein contained (the receipt and sufficiency of which are hereby acknowledged by each of the parties), that the Existing Repurchase Agreement and Existing
Pricing Letter are hereby amended as follows: 
 SECTION 1. Assignment. In consideration of the Repurchase Price outstanding as of
the date hereof, Assignor hereby assigns and UBS 1285 hereby assumes all of Assignor’s rights and obligations, as Buyer, with respect to the Existing Repurchase Agreement, the Existing Pricing Letter and all future and outstanding Transactions
thereunder. For the avoidance of doubt, each outstanding Transaction is a continuing transaction and has not been, and shall not be, considered terminated in any respect. From and after the date hereof, (a) UBS 1285 shall be a party to the
Repurchase Agreement and Pricing Letter and shall have the rights and obligations of Assignor as Buyer thereunder and shall be bound by the provisions thereof and (b) Assignor shall relinquish its rights and be released from its obligations
under the Repurchase Agreement and Pricing Letter and all future and outstanding Transactions thereunder except for those Obligations of Seller to Assignor (including, without limitation, any indemnification obligations) that survive which shall
continue for the benefit of the Assignor. 

 SECTION 2. Repurchase Agreement Amendments. 

2.1 Definitions. Section 2 of the Existing Repurchase Agreement is hereby amended by deleting the definitions of
“Buyer”, “Servicer” and “Servicer Notice” in their entirety and replacing them with the following: 

“Buyer” shall mean UBS AG, by and through its branch office at 1285 Avenue of the Americas, New York, New
York, its successors in interest and assigns pursuant to Section 17 and, with respect to Section 7, its participants. 

“Servicer” shall mean Cenlar FSB, or any third party acceptable to Buyer in its sole discretion and any
successors in interest and assigns as approved by Buyer. 
 “Servicer Notice” shall mean (a) that
certain notice, dated as of July 26, 2016, among, Buyer, Seller and Cenlar FSB, and (b) any other notice acknowledged by any Subservicer and any Servicer that is not the Seller substantially in the form of Exhibit C to the
Agreement. 
 2.2 References. The Existing Repurchase Agreement is hereby amended by replacing all references to “UBS BANK
USA” with “UBS AG, by and through its branch office at 1285 Avenue of the Americas, New York, New York”. 
 2.3 Buyer
Authorizations. The Existing Repurchase Agreement is hereby amended by deleting Buyer’s Authorizations on Schedule 2 in its entirety and replacing it with Annex A attached hereto. 

SECTION 3. Pricing Letter Amendments. The Existing Pricing Letter is hereby amended by replacing all references to “UBS BANK
USA” with “UBS AG, by and through its branch office at 1285 Avenue of the Americas, New York, New York”. 
 SECTION 4.
Seller Authorized Persons. In addition to the Responsible Officers of Seller set forth in the Repurchase Agreement, UBS 1285 requires that Seller provide a list of additional employees that are designated as authorized representatives for the
purpose of wire verification and additional documentation (documentation includes but is not limited to: (i) insured closing protection letters; (ii) wire instructions on closing agent’s letterhead; and (iii) any other
documentation as needed by UBS 1285 on a one time basis for new closing agents). Seller hereby confirms that the persons listed on Annex B hereto are so authorized to act on behalf of Seller. 

SECTION 5. Conditions Precedent. This Amendment shall become effective as of the date hereof (the “Assignment Effective
Date”), subject to the satisfaction of the following conditions precedent: 

  
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 5.1 Delivered Documents. The parties hereto shall have received the following
documents, each of which shall be satisfactory to the Assignor and UBS 1285, as applicable, in form and substance: 

  (a) this Amendment, executed and delivered by the parties hereto; 

  (b) amendments to the other Program Documents as required by UBS 1285 in its sole discretion, executed and
delivered by the parties thereto; 
   (c) on or prior to the date hereof, Seller shall permit UBS 1285 and
Assignor to take all steps as it may deem necessary in connection with UCC searches and filing duly authorized and filed Uniform Commercial Code financing statements on Form UCC-1 and UCC-3 as applicable, as is necessary or, in the opinion of UBS 1285, desirable to perfect UBS 1285’s interests in the Purchased Assets and other Repurchase Assets; 

  (d) a Servicer Notice, executed and delivered by UBS 1285, Seller and Servicer and 

  (e) such other documents as UBS 1285 or counsel to UBS 1285 may reasonably request. 

SECTION 6. Ratification of Agreement. As amended by this Amendment, the Existing Repurchase Agreement and Existing Pricing Letter are
in all respects ratified and confirmed and the Existing Repurchase Agreement as so modified by this Amendment shall be read, taken, and construed as one and the same instrument. 

SECTION 7. Representations and Warranties. The Seller hereby represents and warrants to the Buyer and Assignee that it is in compliance
with all the terms and provisions set forth in the Repurchase Agreement on its part to be observed or performed, and that no Default or Event of Default has occurred or is continuing, and hereby confirms and reaffirms the representations and
warranties contained in Section 10 of the Repurchase Agreement. The Seller hereby represents and warrants that this Amendment has been duly and validly executed and delivered by it, and constitutes its legal, valid and binding obligation,
enforceable against it in accordance with its terms. 
 SECTION 8. Limited Effect. Except as expressly amended and modified by this
Amendment, the Existing Repurchase Agreement shall continue to be, and shall remain, in full force and effect in accordance with its terms. 

SECTION 9. Severability. Each provision and agreement herein shall be treated as separate and independent from any other provision or
agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement. 
 SECTION 10.
Counterparts. This Amendment may be executed in any number of counterparts, all of which taken together shall constitute one and the same instrument, and any of the parties hereto may execute this Amendment by signing any such counterpart.
The parties agree that this Amendment, any documents to be delivered pursuant to this Amendment and any notices hereunder may be transmitted between them by email and/or by facsimile. Delivery of an executed counterpart of a signature page of this
Amendment in Portable Document Format (PDF) or by facsimile shall be effective as delivery of a manually executed original counterpart of this Amendment. The original documents shall be promptly delivered, if requested. 

  
 3 

 SECTION 11. Binding Effect. This Amendment shall be binding upon and inure to the
benefit of the parties hereto and their respective successors and assigns. 
 SECTION 12. GOVERNING LAW. THIS
AMENDMENT AND ANY CLAIM, CONTROVERSY OR DISPUTE ARISING UNDER OR RELATED TO THIS AMENDMENT, THE RELATIONSHIP OF THE PARTIES TO THIS AMENDMENT, AND/OR THE INTERPRETATION AND ENFORCEMENT OF THE RIGHTS AND DUTIES OF THE PARTIES TO THIS AMENDMENT SHALL
BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS AND DECISIONS OF THE STATE OF NEW YORK, WITHOUT REGARD TO THE CHOICE OF LAW RULES THEREOF. THE PARTIES HERETO INTEND THAT THE PROVISIONS OF SECTION
5-1401 OF THE NEW YORK GENERAL OBLIGATIONS LAW SHALL APPLY TO THIS AMENDMENT. NOTWITHSTANDING ANYTHING TO THE CONTRARY, THE EFFECTIVENESS, VALIDITY AND ENFORCEABILITY OF ELECTRONIC CONTRACTS, OTHER RECORDS,
ELECTRONIC RECORDS AND ELECTRONIC SIGNATURES USED IN CONNECTION WITH ANY ELECTRONIC TRANSACTION AMONG ASSIGNOR, SELLER AND UBS 1285 SHALL BE GOVERNED BY E-SIGN. 

  
 4 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed by their
representative officers there under duly authorized, as of the date first above written. 
  

			
	UBS BANK USA
		
	By:	 	  

		 	Name:
		 	Title:
		
	By:	 	  

		 	Name:
		 	Title:
	
	UBS AG, by and through its branch office at 1285 Avenue of the Americas, New York, New York, as Assignee and UBS 1285
		
	By:	 	  

		 	Name:
		 	Title:
		
	By:	 	  

		 	Name:
		 	Title:

  
 Signature Page to 

Assignment and Amendment No. 4 to Master Repurchase Agreement and 

Assignment and Amendment No. 8 to Pricing Letter 

 
			
	LOANDEPOT.COM, LLC, as Seller
		
	By:	 	  

		 	Name:
		 	Title:

  
 Signature Page to 

Assignment and Amendment No. 4 to Master Repurchase Agreement and 

Assignment and Amendment No. 8 to Pricing Letter 

 Annex A to Amendment 

BUYER AUTHORIZATIONS 
 Any of the persons whose
signatures and titles appear below are authorized, acting singly, to act for Buyer under this Agreement: 
  

					
	 Name
	  	 Title
	  	 Signature

	Gary Timmerman	  	Managing Director	  	
			
	Kimberly Browne	  	Managing Director	  	
			
	Ari Lash	  	Executive Director	  	
			
	Chi Ma	  	Director	  	
			
	Hye-Eun Cheong	  	Director	  	

  
 Annex A 

 Annex B to Amendment 

See Attached 

  
 Annex B

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