Document:

EX-10.1

 Exhibit 10.1 

GUILD HOLDINGS COMPANY 
 2020
OMNIBUS INCENTIVE PLAN 
 SECTION 1.    Purpose; Definitions 

The purpose of this Plan is to give the Company a competitive advantage in attracting, retaining and motivating officers, employees, directors
and/or consultants of the Company and its Subsidiaries and Affiliates and to enable the Company to provide incentives for future performance of services directly linked to the profitability of the Company’s businesses and increases in Company
shareholder value. 
 For purposes of this Plan, the following terms are defined as set forth below: 

(a)    “Affiliate” means a company or other entity controlled by, controlling or under common control
with the Company. 
 (b)    “Applicable Exchange” means the New York Stock Exchange or such other
securities exchange as may at the applicable time be the principal market for the Common Stock. 

(c)    “Award” means a Stock Option, Stock Appreciation Right, Restricted Stock, Restricted Stock Unit,
Other Stock-Based Award or Cash Award granted pursuant to the terms of this Plan. 
 (d)    “Award
Agreement” means a written or electronic document or agreement setting forth the terms and conditions of a specific Award. 

(e)    “Board” means the board of directors of the Company. 

(f)    “Business Combination” has the meaning set forth in Section 10(e)(iii). 

(g)    “Cash Award” means a cash-settled Award granted pursuant to Section 9. 

(h)    “Cause” means, unless otherwise provided in an Award Agreement, (i) “Cause” as defined
in any Individual Agreement to which the Participant is a party as of the Grant Date, or (ii) if there is no such Individual Agreement or if it does not define Cause: (A) conviction of, or plea of guilty or nolo contendere by, the
Participant for committing a felony under federal law or the law of the state in which such action occurred, (B) willful and deliberate failure on the part of the Participant in the performance of his or her employment duties in any material
respect, (C) dishonesty in the course of fulfilling the Participant’s employment duties, or (D) a material violation of the Company’s ethics and compliance program, code of conduct or other material policy of the Company.
Notwithstanding the general rule of Section 2(c), following a Change in Control, any determination by the Committee as to whether “Cause” exists shall be subject to de novo review. 

(i)    “Change in Control” has the meaning set forth in Section 10(e). 

 (j)    “Code” means the Internal Revenue Code of 1986,
as amended from time to time, and any successor thereto, the Treasury Regulations thereunder and other relevant interpretive guidance issued by the Internal Revenue Service or the Treasury Department. Reference to any specific section of the Code
shall be deemed to include such regulations and guidance, as well as any successor provision of the Code. 

(k)    “Committee” means the Committee referred to in Section 2. 

(l)    “Common Stock” means Class A common stock, $0.01 par value per share, of the Company. 

(m)    “Company” means Guild Holdings Company, a Delaware corporation, or its successor. 

(n)    “Corporate Transaction” has the meaning set forth in Section 3(d). 

(o)     “Disability” means, unless otherwise provided in an Award Agreement,
(i) ”Disability” as defined in any Individual Agreement to which the Participant is a party, or (ii) if there is no such Individual Agreement or it does not define “Disability,” permanent and total disability as
determined under the Company’s Long-Term Disability Plan applicable to the Participant; provided, however, to the extent necessary to avoid tax penalties under Section 409A of the Code, “Disability means
“disability” as defined in Section 409(a)(2)(C) of the Code. 
 (p)    “Disaffiliation”
means a Subsidiary’s or an Affiliate’s ceasing to be a Subsidiary or Affiliate for any reason (including as a result of a public offering, or a spinoff or sale by the Company, of the stock of the Subsidiary or Affiliate) or a sale of a
division of the Company and its Affiliates. 
 (q)    “Effective Date” has the meaning set forth
in Section 11(a). 
 (r)    “Eligible Individuals” means directors, officers, employees and
consultants of the Company or any of its Subsidiaries or Affiliates, and prospective directors, officers, employees and consultants who have accepted offers of employment or consultancy from the Company or its Subsidiaries or Affiliates. 

(s)    “Exchange Act” means the Securities Exchange Act of 1934, as amended from time to time, and any
successor thereto. 
 (t)    “Fair Market Value” means, except as otherwise determined by the
Committee, the closing price of a Share on the Applicable Exchange on the date of measurement or, if Shares were not traded on the Applicable Exchange on such measurement date, then on the immediately preceding date on which Shares were traded on
the Applicable Exchange, as reported by such source as the Committee may select. If there is no regular public trading market for Shares, the Fair Market Value of a Share shall be determined by the Committee in good faith and, to the extent
applicable, such determination shall be made in a manner that satisfies Sections 409A and 422(c)(1) of the Code. 

  
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 (u)    “Full-Value Award” means any Award other than a
Stock Option, Stock Appreciation Right or Cash Award. 
 (v)    “Grant Date” means the date on which
the Committee by resolution selects an Eligible Individual to receive a grant of an Award and determines the number of Shares, or the formula for earning a number of Shares, to be subject to such Award or the cash amount subject to such Award, or
such later date as the Committee shall provide in such resolution. 
 (w)    “Incentive Stock Option”
means any Stock Option designated in the applicable Award Agreement as an “incentive stock option” within the meaning of Section 422 of the Code, and that in fact so qualifies. 

(x)    “Incumbent Board” has the meaning set forth in Section 10(e)(ii). 

(y)    “Individual Agreement” means an employment, consulting, change in control, or similar agreement
between a Participant and the Company or one of its Subsidiaries or Affiliates. If a Participant is party to both an employment agreement and a change in control agreement, the employment agreement shall be the relevant “Individual
Agreement” prior to a Change in Control, and the change in control agreement shall be the relevant “Individual Agreement” after a Change in Control. 

(z)    “Investors” means, collectively, (i) McCarthy Capital Mortgage Investors, LLC, any other
investment funds affiliated with McCarthy Partners Management, LLC, and any company or other entity controlled by, controlling or under common control with McCarthy Capital Mortgage Investors, LLC or any such investment fund (other than any
portfolio company) (the “McCarthy Investors”) and (ii) provided that the McCarthy Investors own a majority of the voting power of the Company, any Person that forms a group (within the meaning of Section 13(d)(3) or
Section 14(d)(2) of the Exchange Act or any successor provision) with the McCarthy Investors and that, directly or indirectly, holds or acquires beneficial ownership of voting securities of the Company entitled to vote generally in the election
of directors. 
 (aa)    “Nonqualified Stock Option” means any Stock Option that is not an Incentive
Stock Option. 
 (bb)    “Other Stock-Based Award” means an Award granted pursuant to Section 8.

 (cc)    “Outstanding Company Common Stock” has the meaning set forth in
Section 10(e)(i). 
 (dd)    “Outstanding Company Voting Securities” has the meaning set
forth in Section 10(e)(i). 

  
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 (ee)    “Participant” means an Eligible Individual to
whom an Award is or has been granted. 
 (ff)    “Performance Goals” means the performance goals
established by the Committee in connection with the grant of an Award. Such goals shall be based on the attainment of specified levels of one or more of the following measures or such other performance measures as are determined by the Committee:
stock price, earnings (whether based on earnings before taxes, earnings before interest and taxes or earnings before interest, taxes, depreciation and amortization), earnings per share, return on equity, return on assets or operating assets, asset
quality, net interest margin, loan portfolio growth, efficiency ratio, liquidity, market share, customer service measures or indices, economic value added, shareholder value added, embedded value added, combined ratio, pre- or after-tax income, net income, cash flow (before or after dividends), cash flow per share (before or after dividends), gross margin, risk-based capital, revenues, revenue growth, return on capital (whether based on
return on total capital or return on invested capital), cash flow return on investment, cost control, gross profit, operating profit, cash generation, unit volume, sales, asset quality, cost saving levels, market-spending efficiency, core non-interest income, change in working capital, production volume, production income, gain on sale margins, or segment income, in each case with respect to (i) the Company or any one or more Subsidiaries,
divisions, business units or business segments thereof, either in absolute terms or relative to the performance of one or more other companies (including an index covering multiple companies) including reasonable adjustments or (ii) an
individual Participant. 
 (gg)    “Person” has the meaning set forth in Section 10(e)(i).

 (hh)    “Plan” means the Guild Holdings Company 2020 Omnibus Incentive Plan, as set forth herein and
as hereinafter amended from time to time. 
 (ii)    “Replaced Award” has the meaning set forth in
Section 10(b). 
 (jj)    “Replacement Award” has the meaning set forth in Section 10(b).

 (kk)    “Restricted Stock” means an Award granted under Section 6. 

(ll)     “Restricted Stock Unit” has the meaning set forth in Section 7(a). 

(mm)    “Section 16(b)” has the meaning set forth in Section 2(f). 

(nn)    “Separation from Service” has the meaning set forth in Section 409A of the Code. 

(oo)    “Share” means a share of Common Stock. 

(pp)    “Stock Appreciation Right” means an Award granted under Section 5(b). 

(qq)    “Stock Option” means an Award granted under Section 5(a). 

  
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 (rr)    “Subsidiary” means any corporation,
partnership, joint venture, limited liability company or other entity during any period in which at least a 50% voting or profits interest is owned, directly or indirectly, by the Company or any successor to the Company. 

(ss)    “Term” means the maximum period during which a Stock Option or Stock Appreciation Right may
remain outstanding, subject to earlier termination upon Termination of Service or otherwise, as specified in the applicable Award Agreement. 

(tt)    “Termination of Service” means the termination of the applicable Participant’s employment
with, or performance of services for, the Company and any of its Subsidiaries or Affiliates. Unless otherwise determined by the Committee, (i) if a Participant’s employment with the Company and its Affiliates terminates but such
Participant continues to provide services to the Company and its Affiliates in a non-employee capacity, such change in status shall not be deemed a Termination of Service and (ii) a Participant employed
by, or performing services for, a Subsidiary or an Affiliate or a division of the Company and its Affiliates shall also be deemed to incur a Termination of Service if, as a result of a Disaffiliation, such Subsidiary, Affiliate or division ceases to
be a Subsidiary, Affiliate or division, as the case may be, and the Participant does not immediately thereafter become an employee of, or service provider for, the Company or another Subsidiary or Affiliate. The Committee shall determine, in its
sole discretion, the point at which a Participant who is on an approved leave of absence experiences a Termination of Service as a result of such leave of absence. Notwithstanding the foregoing provisions of this definition, with respect to any
Award that constitutes a “nonqualified deferred compensation plan” subject to Section 409A of the Code, a Participant shall not be considered to have experienced a “Termination of Service” unless the Participant has
experienced a Separation from Service. 
 SECTION 2.    Administration 

(a)    Committee. This Plan shall be administered by the Board directly, or if the Board elects, by the Compensation
Committee of the Board or such other committee of the Board as the Board may from time to time designate, which committee shall be composed of not fewer than two directors, and shall be appointed by and serve at the pleasure of the Board. All
references in this Plan to the “Committee” shall refer to the Compensation Committee of the Board as a whole, unless a separate committee has been designated or authorized consistent with the foregoing; provided that, subject
to applicable law, all powers of the Committee may be exercised by the full Board. 
 Subject to the terms and conditions of this Plan, the
Committee shall have absolute authority: 
 (i)    To select the Eligible Individuals to whom Awards may
from time to time be granted; 
 (ii)    To determine whether and to what extent Incentive Stock Options,
Nonqualified Stock Options, Stock Appreciation Rights, Restricted Stock, Restricted Stock Units, Other Stock-Based Awards, Cash Awards or any combination thereof are to be granted hereunder; 

  
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 (iii)    To determine the number of Shares to be covered
by an Award or the amount of any Cash Award; 
 (iv)    To approve the form of any Award Agreement and
determine the terms and conditions of any Award granted hereunder, including the exercise price and any vesting condition, restriction or limitation; 

(v)    To modify, amend or adjust the terms and conditions (including any Performance Goals) of any Award,
including, without limitation, waiving any exercise or vesting conditions with respect to any Award; 

(vi)    To determine to what extent and under what circumstances Shares or cash payable with respect to an
Award shall be deferred; 
 (vii)    To determine under what circumstances an Award may be settled in
cash, Shares, other property or a combination of the foregoing; 
 (viii)    To adopt, alter and repeal
such administrative rules, guidelines and practices governing this Plan as it shall from time to time deem advisable; 

(ix)    To establish any “blackout” period that the Committee in its sole discretion deems
necessary or advisable; 
 (x)    To interpret the terms and provisions of this Plan and any Award issued
under this Plan (and any Award Agreement relating thereto); 
 (xi)    To decide all other matters that
must be determined in connection with an Award; and 
 (xii)    To otherwise administer this Plan. 

(b)    Procedures. 

(i)    The Committee may act only by a majority of its members then in office, except that the Committee
may, except to the extent prohibited by applicable law or the listing standards of the Applicable Exchange, allocate all or any portion of its responsibilities and powers to any one or more of its members and may delegate all or any part of its
responsibilities and powers to any person or persons selected by it. Any such allocation or delegation may be revoked by the Committee at any time. 

(ii)    Any authority granted to the Committee may be exercised by the full Board. To the extent that any
permitted action taken by the Board conflicts with action taken by the Committee, the Board action shall control. 

  
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 (c)    Discretion of Committee. Subject to Section 1(h), any
determination made by the Committee or pursuant to delegated authority under the provisions of this Plan with respect to any Award shall be made in the sole discretion of the Committee or such delegate at the time of the grant of the Award or,
unless in contravention of any express term of this Plan, at any time thereafter. All decisions made by the Committee or any appropriately delegated officer pursuant to the provisions of this Plan shall be final, binding and conclusive on all
persons, including the Company, Participants and Eligible Individuals. Any determination made by the Committee or pursuant to delegated authority under the provisions of this Plan, including conditions for grant or vesting and the adjustment of
Awards pursuant to Section 3(d) need not be the same for each Participant. 
 (d)    Cancellation or
Suspension. Subject to Section 5(c), the Committee shall have full power and authority to determine whether, to what extent and under what circumstances any Award shall be canceled or suspended. 

(e)    Award Agreements. The terms and conditions of each Award, as determined by the Committee, shall be set forth
in a written (or electronic) Award Agreement, which shall be delivered to the Participant receiving such Award upon, or as promptly as is reasonably practicable following, the grant of such Award. The effectiveness of an Award shall be subject to
the Participant’s acceptance of the applicable Award Agreement within the time period specified therein (if any). 

(f)    Section 16(b). The provisions of this Plan are intended to ensure that no transaction under this Plan is
subject to (and all such transactions will be exempt from) the short-swing recovery rules of Section 16(b) of the Exchange Act (“Section 16(b)”). Accordingly, the composition of the Committee shall be subject
to such limitations as the Board deems appropriate to permit transactions pursuant to this Plan to be exempt (pursuant to Rule 16b-3 promulgated under the Exchange Act) from Section 16(b), and no
delegation of authority by the Committee shall be permitted if such delegation would cause any such transaction to be subject to (and not exempt from) Section 16(b). 

SECTION 3.    Common Stock Subject to Plan; Other Limits 

(a)    Plan Maximums. (i) Subject to Section 3(c), the maximum number of Shares that may be granted pursuant to
Awards under this Plan shall be 5,500,000 (the “Share Reserve”). The maximum number of Shares that may be granted pursuant to Stock Options intended to be Incentive Stock Options shall be 5,500,000 Shares. Shares subject to
an Award under this Plan may be authorized and unissued Shares or treasury Shares. 
 (b)    Non-Employee Director Compensation Limits. No non-employee director of the Company may receive compensation in such capacity during any calendar year with a value that
exceeds $500,000 (calculating the value of any equity-based Awards based on the grant date fair value of such Awards for financial reporting purposes). For purposes of the preceding sentence, an equity-based Award shall be deemed received upon grant
(and not upon vesting or settlement) and any deferred cash compensation shall be deemed received when earned (and not when paid). 

  
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 (c)    Rules for Calculating Shares Issued. To the extent that
any Award is forfeited, terminates, expires or lapses instead of being exercised, or any Award is settled for cash, the Shares subject to such Award that are not delivered as a result thereof shall again be available for Awards under this Plan. If
the tax withholding obligations relating to any Full-Value Award are satisfied by withholding Shares relating to such Full-Value Award, such withheld Shares shall not be deemed to have been granted for purposes of the first sentence of Section 3(a).
If the exercise price of any Stock Option or Stock Appreciation Right and/or the tax withholding obligations relating to any Stock Option or Stock Appreciation Right are satisfied by delivering Shares (either actually or through a signed document
affirming the Participant’s ownership and delivery of such Shares) or withholding Shares relating to such Stock Option or Stock Appreciation Right, the gross number of Shares subject to the Award shall nonetheless be deemed to have been granted
for purposes of the first sentence of Section 3(a). 
 (d)    Adjustment Provisions. 

(i)    In the event of a merger, consolidation, acquisition of property or shares, stock rights offering, liquidation,
disposition for consideration of the Company’s direct or indirect ownership of a Subsidiary or Affiliate (including by reason of a Disaffiliation), or similar event affecting the Company or any of its Subsidiaries (each, a
“Corporate Transaction”), the Committee or the Board may in its discretion make such substitutions or adjustments as it deems appropriate and equitable to (A) the limits set forth in Sections 3(a) and 3(b) and the kind of
securities deliverable pursuant to this Plan; (B) the number and kind of Shares or other securities subject to outstanding Awards; (C) the Performance Goals applicable to outstanding Awards; and (D) the exercise price of outstanding
Awards. In the event of a Corporate Transaction, such adjustments may include (I) the cancellation of outstanding Awards in exchange for payments of cash, property or a combination thereof having an aggregate value equal to the value of such
Awards, as determined by the Committee in its sole discretion (it being understood that in the event of a Corporate Transaction with respect to which shareholders of Common Stock receive consideration other than publicly traded equity securities of
the ultimate surviving entity, any such determination by the Committee that the value of a Stock Option or Stock Appreciation Right shall for this purpose be deemed to equal the excess, if any, of the value of the consideration being paid for each
Share pursuant to such Corporate Transaction over the exercise price of such Stock Option or Stock Appreciation Right shall be deemed conclusively valid); (II) the substitution of other property (including cash or other securities of the
Company and securities of entities other than the Company) for the Shares subject to outstanding Awards; and (III) in connection with any Disaffiliation, arranging for the assumption of Awards, or replacement of Awards with new awards based on
other property or other securities (including other securities of the Company and securities of entities other than the Company), by the affected Subsidiary, Affiliate, or division or by the entity that controls such Subsidiary, Affiliate, or
division following such Disaffiliation (as well as any corresponding adjustments to Awards that remain based upon Company securities). 
 securities 

deliverable 

  
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 (ii)    In the event of a stock dividend, stock split, reverse stock
split, reorganization, share combination, or recapitalization or similar event affecting the capital structure of the Company, or a Disaffiliation, separation or spinoff, in each case without consideration, or other extraordinary dividend of cash or
other property to the Company’s shareholders, the Committee or the Board shall make such substitutions or adjustments as it deems appropriate and equitable to (A) the limits set forth in Sections 3(a) and 3(b) and the kind of securities
deliverable pursuant to this Plan; (B) the number and kind of Shares or other securities subject to outstanding Awards; (C) the Performance Goals applicable to outstanding Awards; and (D) the exercise price of outstanding Awards. 

(iii)    Any adjustments made pursuant to this Section 3(d) to Awards that are considered “nonqualified deferred
compensation” subject to Section 409A of the Code shall be made in compliance with the requirements of Section 409A of the Code. Any adjustments made pursuant to this Section 3(d) to Awards that are not considered
“nonqualified deferred compensation” subject to Section 409A of the Code shall be made in such a manner as to ensure that after such adjustments, either (A) the Awards continue not to be subject to Section 409A of the Code
or (B) there does not result in the imposition of any penalty taxes under Section 409A of the Code in respect of such Awards. 
 SECTION
4.    Eligibility 
 Awards may be granted under this Plan to Eligible Individuals; provided, however,
that Incentive Stock Options may be granted only to employees of the Company and its subsidiaries or parent corporation (within the meaning of Section 424(f) of the Code). 

SECTION 5.    Stock Options and Stock Appreciation Rights 

(a)    Stock Options. Stock Options may be granted alone or in addition to other Awards granted under this Plan and
may be of two types: Incentive Stock Options and Nonqualified Stock Options. The Award Agreement for a Stock Option shall indicate whether the Stock Option is intended to be an Incentive Stock Option or a Nonqualified Stock Option. 

(b)    Stock Appreciation Rights. Upon the exercise of a Stock Appreciation Right, the Participant shall be
entitled to receive an amount in cash or Shares in value equal to the product of (i) the excess of the Fair Market Value of one Share over the exercise price of the applicable Stock Appreciation Right, multiplied by (ii) the number of
Shares in respect of which the Stock Appreciation Right has been exercised. The applicable Award Agreement shall specify whether such payment is to be made in cash or Shares, or shall reserve to the Committee or the Participant the right to make
that determination prior to or upon the exercise of the Stock Appreciation Right. 
 (c)    Exercise Price;
Prohibition on Repricing. The exercise price per Share subject to a Stock Option or Stock Appreciation Right shall be determined by the Committee and set forth in the applicable Award Agreement, and shall not be less than the Fair Market Value
of a Share on the applicable Grant Date. In no event may any Stock Option or Stock Appreciation Right granted under this Plan be amended, other than pursuant to Section 3(d), to decrease the exercise price thereof, be cancelled in exchange for
cash or other Awards if the exercise price of such 

  
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Stock Option or Stock Appreciation Right exceeds the Fair Market Value of a Share on the date of such cancellation, be cancelled in exchange for any new Stock Option or Stock Appreciation Right
with a lower exercise price, or otherwise be subject to any action that would be treated, under the Applicable Exchange listing standards or for accounting purposes, as a “repricing” of such Stock Option or Stock Appreciation Right, unless
such amendment, cancellation, or action is approved by the Company’s shareholders. 
 (d)    Term. The Term
of each Stock Option and each Stock Appreciation Right shall be fixed by the Committee, but no Stock Option or Stock Appreciation Right shall be exercisable more than 10 years after its Grant Date. 

(e)    Exercisability. Except as otherwise provided herein, Stock Options and Stock Appreciation Rights shall be
exercisable at such time or times and subject to such terms and conditions as shall be determined by the Committee. 

(f)    Method of Exercise. Subject to the provisions of this Section 5, Stock Options and Stock Appreciation
Rights may be exercised, in whole or in part, at any time during the Term thereof in accordance with the methods and procedures established by the Committee in the Award Agreement or otherwise. 

(g)    Delivery; Rights of Shareholders. A Participant shall not be entitled to delivery of Shares pursuant to the
exercise of a Stock Option or Stock Appreciation Right until the exercise price therefor has been fully paid and applicable taxes have been withheld. Except as otherwise provided in Section 5(k), a Participant shall have all of the rights of a
shareholder of the Company holding the number of Shares deliverable pursuant to such Stock Option or Stock Appreciation Right (including, if applicable, the right to vote the applicable Shares), when the Participant (i) has given written notice
of exercise, (ii) if requested, has given the representation described in Section 12(a) and (iii) in the case of a Stock Option, has paid in full for such Shares. 

(h)    Nontransferability of Stock Options and Stock Appreciation Rights. No Stock Option or Stock Appreciation
Right shall be transferable by a Participant other than, for no value or consideration, by will or by the laws of descent and distribution or as otherwise expressly permitted by the Committee. Any Stock Option or Stock Appreciation Right shall be
exercisable, subject to the terms of this Plan, only by the Participant, the guardian or legal representative of the Participant, or any person to whom such stock option is transferred pursuant to this Section 5(h), it being understood that the
term “holder” and “Participant” include such guardian, legal representative and other transferee; provided, however, that the term “Termination of Service” shall continue to refer to the Termination of Service of
the original Participant. 
 (i)    Termination of Service. The effect of a Participant’s Termination of
Service on any Award of Stock Options or Stock Appreciation Rights then held by such Participant shall be set forth in the applicable Award Agreement or any other document approved by the Committee and applicable to such Award. 

  
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 (j)    Additional Rules for Incentive Stock Options.
Notwithstanding any other provision of this Plan to the contrary, no Stock Option that is intended to qualify as an Incentive Stock Option may be granted to any Eligible Individual who at the time of such grant owns stock possessing more than 10% of
the total combined voting power of all classes of stock of the Company or of any Subsidiary, unless at the time such Stock Option is granted the exercise price is at least 110% of the Fair Market Value of a Share and such Stock Option by its terms
is not exercisable after the expiration of five years from the date such Stock Option is granted. In addition, the aggregate Fair Market Value of the Common Stock (determined at the time a Stock Option for the Common Stock is granted) for which
Incentive Stock Options are exercisable for the first time by a Participant during any calendar year, under all of the incentive stock option plans of the Company and of any Subsidiary, may not exceed $100,000. To the extent a Stock Option that by
its terms was intended to be an Incentive Stock Option exceeds this $100,000 limit, the portion of the Stock Option in excess of such limit shall be treated as a Nonqualified Stock Option. 

(k)    Dividends and Dividend Equivalents. Dividends (whether paid in cash or Shares) and dividend equivalents may
not be paid or accrued on Stock Options or Stock Appreciation Rights; provided that Stock Options and Stock Appreciation Rights may be adjusted under certain circumstances in accordance with the terms of Section 3(d). 

SECTION 6.    Restricted Stock 

(a)    Nature of Awards. Shares of Restricted Stock are actual Shares issued to a Participant that are subject to
vesting or forfeiture provisions and may be awarded either alone or in addition to other Awards granted under this Plan. 

(b)    Book Entry Registration or Certificated Shares. Shares of Restricted Stock shall be evidenced in such manner
as the Committee may deem appropriate, including book-entry registration or issuance of one or more stock certificates. If any certificate is issued in respect of Shares of Restricted Stock, such certificate shall be registered in the name of the
Participant and shall bear an appropriate legend indicating that the sale, transfer or other disposition thereof by the holder is prohibited except in compliance with the Securities Act of 1933, as amended, and the rules and regulations thereunder.
The Committee may require that the certificates evidencing such Shares be held in custody by the Company until the restrictions thereon shall have lapsed and that, as a condition of any Award of Restricted Stock, the applicable Participant shall
have delivered a stock power, endorsed in blank, relating to the Common Stock covered by such Award. 
 (c)    Terms
and Conditions. Shares of Restricted Stock shall be subject to the following terms and conditions and such other terms and conditions as are set forth in the applicable Award Agreement (including the vesting or forfeiture provisions applicable
upon a Termination of Service): 

  
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 (i)    The Committee shall, prior to or at the time of
grant, condition (A) the vesting of an Award of Restricted Stock upon the continued service of the applicable Participant, or (B) the grant or vesting of an Award of Restricted Stock upon the attainment of Performance Goals or the
attainment of Performance Goals and the continued service of the applicable Participant. 

(ii)    Subject to the provisions of this Plan and the applicable Award Agreement, a Participant shall not
be permitted to sell, assign, transfer, pledge or otherwise encumber an Award of Restricted Stock prior to such time as all applicable vesting conditions are satisfied. 

(d)    Rights of a Shareholder. Except as provided in this Section 6 and the applicable Award Agreement, a
Participant shall have the same rights as any other holder of Shares with respect to Shares of Restricted Stock, including, if applicable, the right to vote the Shares and the right to receive any dividends; provided, however, that,
unless otherwise determined by the Committee and subject to Section 12(e), (i) cash dividends on Shares shall be payable in cash and shall be held subject to the vesting of the underlying Restricted Stock and (ii) dividends payable in
Shares shall be paid in the form of Restricted Stock, and shall be held subject to the vesting of the underlying Restricted Stock. 

(e)    Termination of Service. The effect of a Participant’s Termination of Service on any Award of Restricted
Stock then held by such Participant shall be set forth in the applicable Award Agreement or any other document approved by the Committee and applicable to such Award. 

SECTION 7.    Restricted Stock Units 

(a)    Nature of Awards. Restricted stock units (“Restricted Stock Units”) are Awards denominated
in Shares that will be settled, subject to the terms and conditions of the applicable Award Agreement, in a specified number of Shares or an amount of cash equal to the Fair Market Value of a specified number of Shares. 

(b)    Terms and Conditions. Restricted Stock Units shall be subject to the following terms and conditions and such
other terms and conditions as are set forth in the applicable Award Agreement (including the vesting or forfeiture provisions applicable upon a Termination of Service): 

(i)    The Committee shall, prior to or at the time of grant, condition (A) the vesting of Restricted
Stock Units upon the continued service of the applicable Participant, or (B) the grant or vesting of Restricted Stock Units upon the attainment of Performance Goals or the attainment of Performance Goals and the continued service of the
applicable Participant. An Award of Restricted Stock Units shall be settled as and when the Restricted Stock Units vest, at a later time specified by the Committee in the applicable Award Agreement, or, if the Committee so permits, in accordance
with an election of the Participant. 

  
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 (ii)    Subject to the provisions of this Plan and the
applicable Award Agreement, a Participant shall not be permitted to sell, assign, transfer, pledge or otherwise encumber Restricted Stock Units. 

(c)    Rights of a Shareholder. A Participant to whom Restricted Stock Units are awarded shall have no rights as a
shareholder with respect to the Shares represented by the Restricted Stock Units unless and until Shares are actually delivered to the participant in settlement thereof. Unless otherwise determined by the Committee and subject to Section 12(e),
an Award of Restricted Stock Units shall be adjusted to reflect deemed reinvestment in additional Restricted Stock Units of the dividends that would be paid and distributions that would be made with respect to the Award of Restricted Stock Units if
it consisted of actual Shares. 
 (d)    Termination of Service. The effect of a Participant’s Termination
of Service on any Award of Restricted Stock Units then held by such Participant shall be set forth in the applicable Award Agreement or any other document approved by the Committee and applicable to such Award. 

SECTION 8.    Other Stock-Based Awards 

The Committee may grant Awards of Shares or related to Shares not otherwise described herein in such amounts and subject to such terms and
conditions consistent with the terms of this Plan as the Committee shall determine. Without limiting the generality of the preceding sentence, each such Other Stock-Based Award may (a) involve the transfer of actual Shares to Participants,
either at the time of grant or thereafter, or payment in cash or otherwise of amounts based on the value of Shares, (b) be subject to performance-based and/or service-based conditions, (c) be in the form of phantom stock, performance
shares, deferred share units or share-denominated performance units, or other Awards denominated in, or with a value determined by reference to, a number of Shares that is specified at the time of the grant of such Award, and (d) be designed to
comply with applicable laws of jurisdictions other than the United States. 
 SECTION 9.    Cash Awards 

The Committee may grant Awards to Eligible Individuals that are denominated and payable in cash in such amounts and subject to such terms and
conditions consistent with the terms of this Plan as the Committee shall determine. With respect to a Cash Award subject to Performance Goals, the Performance Goals to be achieved during any performance period and the length of the performance
period shall be determined by the Committee upon the grant of such Cash Award. 

  
 -13- 

 SECTION
10.    Change-in-Control Provisions 

(a)    General. The provisions of this Section 10 shall, subject to Section 3(d), apply notwithstanding
any other provision of this Plan to the contrary, except to the extent the Committee specifically provides otherwise in an Award Agreement. 

(b)    Impact of Change in Control. Upon the occurrence of a Change in Control, unless otherwise provided in the
applicable Award Agreement: (i) all then-outstanding Stock Options and Stock Appreciation Rights shall become fully vested and exercisable, and all Full-Value Awards (other than performance-based Full-Value Awards) and all Cash Awards (other
than performance-based Cash Awards) shall vest in full, be free of restrictions, and be deemed to be earned and payable in an amount equal to the full value of such Award, except in each case to the extent that another Award meeting the requirements
of Section 10(c) (any award meeting the requirements of Section 10(c), a “Replacement Award”) is provided to the Participant pursuant to Section 3(d) to replace such Award (any award intended to be replaced by a
Replacement Award, a “Replaced Award”), and (ii) any performance-based Full-Value Award or Cash Award that is not replaced by a Replacement Award shall be deemed to be earned and payable in an amount equal to the full value of
such performance-based Award (with all applicable Performance Goals deemed achieved at the greater of (x) the applicable target level and (y) the level of achievement as determined by the Committee not later than the date of the Change in
Control, taking into account performance through the latest date preceding the Change in Control as to which performance can, as a practical matter, be determined (but not later than the end of the applicable performance period)). 

(c)    Replacement Awards. An Award shall meet the conditions of this Section 10(c) (and hence qualify as a
Replacement Award) if: (i) it is of the same type as the Replaced Award (except that for any Replaced Award that is performance-based, the Replacement Award shall be subject solely to time-based vesting for the remainder of the applicable
performance period (or such shorter period as determined by the Committee) and the applicable Performance Goals shall be deemed to be achieved at the greater of (x) the applicable target level; and (y) the level of achievement as
determined by the Committee taking into account performance through the latest date preceding the Change in Control as to which performance can, as a practical matter, be determined (but not later than the end of the applicable performance period));
(ii) it has a value equal to the value of the Replaced Award as of the date of the Change in Control, as determined by the Committee in its sole discretion consistent with Section 3(d); (iii) the underlying Replaced Award was an
equity-based award, it relates to publicly traded equity securities of the Company or the entity surviving the Company following the Change in Control; (iv) it contains terms relating to vesting (including with respect to a Termination of
Service) that are substantially identical to those of the Replaced Award; and (v) its other terms and conditions are not less favorable to the Participant than the terms and conditions of the Replaced Award (including the provisions that would
apply in the event of a subsequent Change in Control) as of the date of the Change in Control. Without limiting the generality of the foregoing, a Replacement Award may take the form of a continuation of the applicable Replaced Award if the
requirements of the preceding sentence are satisfied. If a Replacement Award is granted, the Replaced Award shall 

  
 -14- 

 
not vest upon the Change in Control. The determination whether the conditions of this Section 10(c) are satisfied shall be made by the Committee, as constituted immediately before the Change
in Control, in its sole discretion. 
 (d)    Termination of Service. Notwithstanding any other provision of this
Plan to the contrary and unless otherwise determined by the Committee and set forth in the applicable Award Agreement, upon a Termination of Service of a Participant by the Company without Cause (excluding a Termination of Service due to the
Participant’s death or Disability) within 24 months following a Change in Control, (i) all Replacement Awards held by such Participant shall vest in full, be free of restrictions, and be deemed to be earned in full (with respect to
Performance Goals, unless otherwise agreed in connection with the Change in Control, at the greater of (x) the applicable target level and (y) the level of achievement of the Performance Goals for the Award as determined by the Committee
taking into account performance through the latest date preceding the Termination of Service as to which performance can, as a practical matter, be determined (but not later than the end of the applicable performance period)), and (ii) unless
otherwise provided in the applicable Award Agreement, notwithstanding any other provision of this Plan to the contrary, any Stock Option or Stock Appreciation Right held by the Participant as of the date of the Change in Control that remains
outstanding as of the date of such Termination of Service may thereafter be exercised until the expiration of the stated full Term of such Nonqualified Stock Option or Stock Appreciation Right. 

(e)    Definition of Change in Control. For purposes of this Plan, a “Change in Control” shall
mean the occurrence of any of the following events: 
 (i)    An acquisition by any individual, entity or
group (within the meaning of Section 13(d)(3) or 14(d)(2) of the Exchange Act) (a “Person”) of beneficial ownership (within the meaning of Rule 13d-3 promulgated under the Exchange Act)
of shares of common stock of the Company or other voting securities of the Company entitled to vote generally in the election of directors of the Company, as a result of which such Person becomes the beneficial owner (within the meaning of Rule
13d-3 promulgated under the Exchange Act) of 30% or more of either (1) the then outstanding shares of common stock of the Company (the “Outstanding Company Common Stock”) or (2) the combined voting power of the then
outstanding voting securities of the Company entitled to vote generally in the election of directors of the company (the “Outstanding Company Voting Securities”); provided, however, that for purposes of this subsection
(i), the following acquisitions shall not constitute a Change in Control: (1) any acquisition directly from the Company; (2) any acquisition by the Company; (3) any acquisition by one or more Investors; (4) any acquisition by any
employee benefit plan (or related trust) sponsored or maintained by the Company or any entity controlled by the Company; or (5) any acquisition by any entity pursuant to a transaction that complies with clauses (1), (2) and (3) of
subsection (iii) of this Section 10(e); or 
 (ii)    A change in the composition of the Board
such that the individuals who, as of the Effective Date, constitute the Board (the “Incumbent Board”) cease for any reason to constitute at least a majority of the Board; provided, however, that any individual who
becomes a member of the Board subsequent to the Effective Date whose election, or nomination for election by the Company’s shareholders, was approved by a 

  
 -15- 

 
vote of at least a majority of those individuals who are members of the Board and who were also members of the Incumbent Board (or deemed to be such pursuant to this proviso) shall be considered
as though such individual were a member of the Incumbent Board; provided further, that any such individual whose initial assumption of office occurs as a result of either an actual or threatened election contest with respect to the election
or removal of directors or other actual or threatened solicitation of proxies or consents by or on behalf of a Person other than the Board shall not be considered as a member of the Incumbent Board; or 

(iii)    The consummation of a reorganization, merger, statutory share exchange or consolidation or similar
transaction involving the Company or any of its Subsidiaries or sale or other disposition of all or substantially all of the assets of the Company, or the acquisition of assets or securities of another entity by the Company or any of its
Subsidiaries (a “Business Combination”), in each case, unless, following such Business Combination: (1) all or substantially all of the individuals and entities who were the beneficial owners, respectively, of the Outstanding
Company Common Stock and Outstanding Company Voting Securities immediately prior to such Business Combination beneficially own, directly or indirectly, more than 50% of, respectively, the then outstanding shares of common stock (or, for a
noncorporate entity, equivalent securities) and the combined voting power of the then outstanding voting securities entitled to vote generally in the election of directors (or, for a noncorporate entity, equivalent securities), as the case may be,
of the entity resulting from such Business Combination (including an entity that, as a result of such transaction, owns the Company or all or substantially all of the Company’s assets either directly or through one or more subsidiaries) in
substantially the same proportions as their ownership, immediately prior to such Business Combination of the Outstanding Company Common Stock and Outstanding Company Voting Securities, as the case may be; (2) no Person (excluding any entity
resulting from such Business Combination or any employee benefit plan (or related trust) of the Company or such entity resulting from such Business Combination) beneficially owns, directly or indirectly, 30% or more of, respectively, the then
outstanding shares of common stock (or, for a noncorporate entity, equivalent securities) of the entity resulting from such Business Combination or the combined voting power of the then outstanding voting securities of such entity except to the
extent that such ownership existed prior to the Business Combination; and (3) at least a majority of the members of the board of directors (or, for a noncorporate entity, equivalent body or committee) of the entity resulting from such Business
Combination were members of the Board at the time of the execution of the initial agreement, or of the action of the Board, providing for such Business Combination; or 

(iv)    The approval by the shareholders of the Company of a complete liquidation or dissolution of the
Company. 

  
 -16- 

 Notwithstanding any other provision of this Plan, any Award Agreement or any Individual Agreement, with
respect to any Award that constitutes “nonqualified deferred compensation” within the meaning of Section 409A of the Code, a Change in Control shall not constitute a settlement or distribution event with respect to such Award, or an
event that otherwise changes the timing of settlement or distribution of such Award, unless the Change in Control also constitutes an event described in Section 409A(a)(2)(v) of the Code and the regulations thereto. For the avoidance of doubt,
this paragraph shall have no bearing on whether an Award vests pursuant to the terms of this Plan or the applicable Award Agreement or Individual Agreement. 

SECTION 11.    Term, Termination and Amendment 

(a)    Effectiveness. This Plan will be effective as of the date of the Company’s initial public offering (the
“Effective Date”). 
 (b)    Termination. This Plan shall terminate on the tenth anniversary of
the Effective Date. Awards outstanding as of such date shall not be affected or impaired by the termination of this Plan. 

(c)    Amendments. The Committee may amend, alter, or discontinue this Plan or an Award, provided that no
amendment, alteration or discontinuation shall be made that would materially impair the rights of the Participant with respect to a previously granted Award without such Participant’s consent, except to the extent necessary to comply with
applicable law, including Section 409A of the Code, Applicable Exchange listing standards or accounting rules. In addition, no amendment shall be made without the approval of the Company’s shareholders to the extent such approval is
required by applicable law or the listing standards of the Applicable Exchange or as contemplated by Section 5(c). 
 SECTION
12.    Miscellaneous Provisions 
 (a)    Conditions for Issuance. The Committee may
require each person purchasing or receiving Shares pursuant to an Award to represent to and agree with the Company in writing that such person is acquiring the Shares without a view to the distribution thereof. The certificates for such Shares may
include any legend that the Committee deems appropriate to reflect any restrictions on transfer. Notwithstanding any other provision of this Plan or agreements made pursuant thereto, the Company shall not be required to issue or deliver any Shares
(whether in certificated or book entry form) under this Plan prior to fulfillment of all of the following conditions: (i) listing or approval for listing upon notice of issuance, of such Shares on the Applicable Exchange; (ii) any
registration or other qualification of such Shares of the Company under any state or federal law or regulation, or the maintaining in effect of any such registration or other qualification that the Committee shall, in its absolute discretion upon
the advice of counsel, deem necessary or advisable; and (iii) obtaining any other consent, approval, or permit from any state or federal governmental agency that the Committee shall, in its absolute discretion determine to be necessary or
advisable. 
 (b)    Additional Compensation Arrangements. Nothing contained in this Plan shall prevent the
Company or any Subsidiary or Affiliate from adopting other or additional compensation arrangements for its employees. 

  
 -17- 

 (c)    No Contract of Employment. This Plan shall not constitute
a contract of employment, and adoption of this Plan shall not confer upon any employee any right to continued employment, nor shall it interfere in any way with the right of the Company or any Subsidiary or Affiliate to terminate the employment of
any employee at any time. 
 (d)    Taxes. 

(i)    Withholding. No later than the date as of which an amount first becomes includible in the gross income of a
Participant for federal, state, local or foreign income or employment or other tax purposes with respect to any Award under this Plan, such Participant shall pay to the Company, or make arrangements satisfactory to the Company regarding the payment
of, any federal, state, local or foreign taxes of any kind required by law to be withheld with respect to such amount. Unless otherwise determined by the Company, withholding obligations may be settled with Common Stock, including Common Stock that
is part of the Award that gives rise to the withholding requirement, having a Fair Market Value on the date of withholding equal to the amount to be withheld for tax purposes, all in accordance with such procedures as the Committee establishes. The
obligations of the Company under this Plan shall be conditional on such payment or arrangements, and the Company and its Affiliates shall, to the extent permitted by law, have the right to deduct any such taxes from any payment otherwise due to such
Participant. The Committee may establish such procedures as it deems appropriate, including making irrevocable elections, for the settlement of withholding obligations with Common Stock; provided, however, unless otherwise subsequently
determined by the Committee, with respect to a Participant subject to Section 16 of the Exchange Act, the withholding of Shares by the Company or any of its Affiliates to satisfy tax, exercise price or other withholding obligations in respect
of an Award shall be mandatory. 
 (ii)    Section 409A. This Plan and the Awards hereunder are intended to
comply with the requirements of Section 409A of the Code or an exemption or exclusion therefrom and, with respect to amounts that are subject to Section 409A of the Code, it is intended that this Plan be administered in all respects in
accordance with Section 409A of the Code. Each payment under any Award shall be treated as a separate payment for purposes of Section 409A of the Code. In no event may a Participant, directly or indirectly, designate the calendar year of
any payment to be made under any Award that constitutes nonqualified deferred compensation subject to Section 409A of the Code. Notwithstanding any other provision of this Plan or any Award Agreement to the contrary, if a Participant is a
“specified employee” within the meaning of Section 409A of the Code (as determined in accordance with the methodology established by the Company), amounts that constitute “nonqualified deferred compensation” within the
meaning of Section 409A of the Code that otherwise would be payable by reason of a Participant’s Separation from Service during the six-month period immediately following such Separation from Service
shall instead be paid or provided on the first business day following the date that is six months following the Participant’s Separation from Service or any earlier date permitted by Section 409A of the Code. If the Participant dies
following the Separation from Service and prior to the payment of any amounts delayed on account of Section 409A of the Code, such amounts shall be paid to the personal representative of the Participant’s estate within 30 days following
the date of the Participant’s death. 

  
 -18- 

 (e)    Limitation on Dividend Reinvestment and Dividend
Equivalents. Reinvestment of dividends in additional Restricted Stock at the time of any dividend payment, and the payment of Shares with respect to dividends to Participants holding Awards of Restricted Stock Units or Other Stock-Based Awards,
shall only be permissible if sufficient Shares are available under Section 3 for such reinvestment or payment (taking into account then-outstanding Awards). If sufficient Shares are not available for such reinvestment or payment, such
reinvestment or payment shall be made in the form of a grant of Restricted Stock Units or Other Stock-Based Awards equal in number to the Shares that would have been obtained by such payment or reinvestment, the terms of which Restricted Stock Units
or Other Stock-Based Awards shall provide for settlement in cash and for dividend equivalent reinvestment in further Restricted Stock Units or Other Stock-Based Awards on the terms contemplated by this Section 12(e). Unless otherwise determined
by the Committee, any dividends or dividend equivalents credited with respect to any Award shall be subject to the same time and/or performance-based vesting conditions applicable to such Award and shall, if vested, be delivered or paid at the same
time as such Award. 
 (f)    Designation of Death Beneficiary. The Committee shall establish such procedures as
it deems appropriate for a Participant to designate a beneficiary to whom any amounts payable in the event of such Participant’s death are to be paid or by whom any rights of such eligible Individual, after such Participant’s death, may be
exercised. 
 (g)    Subsidiary Employees. In the case of a grant of an Award to any employee of a Subsidiary,
the Company may, if the Committee so directs, issue or transfer the Shares, if any, covered by the Award to the Subsidiary, for such lawful consideration as the Committee may specify, upon the condition or understanding that the Subsidiary will
transfer the Shares to the employee in accordance with the terms of the Award specified by the Committee pursuant to the provisions of this Plan. All Shares underlying Awards that are forfeited or canceled revert to the Company. 

(h)    Governing Law and Interpretation. This Plan and all Awards made and actions taken hereunder shall be
governed by and construed in accordance with the laws of the State of Delaware, without reference to principles of conflict of laws. The captions of this Plan are not part of the provisions hereof and shall have no force or effect. Whenever the
words “include,” “includes” or “including” are used in this Plan, they shall be deemed to be followed by the words “but not limited to” and the word “or” shall be understood to mean
“and/or.” 
 (i)    Non-Transferability. Except as otherwise
provided in Sections 5(h) or as determined by the Committee, Awards under this Plan are not transferable except by will or by laws of descent and distribution. 

  
 -19- 

 (j)    Unfunded Status of the Plan. It is intended that this Plan
constitute an “unfunded” plan. Neither the Company nor the Committee shall have any obligation to segregate assets or establish a trust or other arrangements to meet the obligations created under this Plan. Any liability of the Company to
any Participant with respect to an Award shall be based solely upon contractual obligation created by this Plan and the Award Agreement. No such obligation shall be deemed to be secured by any pledge or encumbrance on the property of the Company.

  
 -20-EX-10.7

 Exhibit 10.7 

GUILD MORTGAGE COMPANY LLC 

COMPENSATION DEFERRAL PLAN FOR EXECUTIVES 

Establishment of Plan 
 Effective as of April 1,
1999, the Board of Directors (the “Board”) of Guild Mortgage Company LLC (formerly known as Guild Mortgage Company) (the “Company”), established the Compensation Deferral Plan for Executives (the “Plan”). The Plan was
amended and restated effective May 1, 2001 and January 1, 2007 and is now being amended and restated effective as of the date of the initial public offering (the “IPO Date”) of Guild Holdings Company (“Guild Holdings”).
The purpose of the Plan is to permit the deferral of compensation by selected employees of the Company, as more particularly provided in the Plan. The Company will pay for all administrative costs associated with the Plan. Effective as of
December 31, 2007, the Plan was frozen and no new contributions were permitted to be made to the Plan by the Company or any participant (as defined below). 

Administration of Plan 
 The Plan shall be administered by
the Compensation Committee (the “Committee”) of the Board of Directors of Guild Holdings, which shall have complete discretion: to interpret and construe the terms of the Plan and any compensation deferral agreement; to determine
eligibility for the Plan; and to make other decisions regarding the administration of the Plan. The Committee may delegate its rights and duties to a duly authorized subcommittee created for the purpose of administering the Plan and they may engage
the services of a third-party administration firm to provide recordkeeping and other services for the Plan. The Committee or such subcommittee may adopt, modify or repeal such administrative rules, interpretations and practices as it may, from time
to time, deem necessary or desirable. 
 Eligibility 

Participation in the Plan is limited to employees who were participants in the Plan as of December 31, 2007 and continue to have a Deferral Account (as
defined below). Such employees were previously chosen by the Board, and are limited to a selected group of high-level management. Any employee who has been selected to participate under the Plan and who has an undistributed account balance shall be
referred to herein as a “Participant.” 
 Participant Deferral Elections 

Effective as of December 31, 2007, no further contributions by Participants (the “Elective Contributions”) were permitted under the Plan. 

Company Contributions 
 Effective as of December 31,
2007, no further contributions by the Company (the “Company Contribution”) were permitted under the Plan. 

 Participant Deferral Accounts 

The Company shall maintain for each Participant an internal bookkeeping account (the “Deferral Account”) for all Elective Contributions and Company
Contributions, plus earnings. As of the IPO Date, each Participant’s account balance shall be calculated as described in Exhibit A to this Plan. 

Each Participant will be credited with the earnings on the Participant’s entire Deferral Account on a periodic basis as determined by the Company, but
not less frequently than annually based on hypothetical investment options offered under the Plan. The Company shall issue the Participant a written report (which may be electronic) on at least an annual basis, showing the balance in the
Participant’s Deferral Account. 
 Hypothetical Investment of Deferral Accounts 

The Company shall provide each Participant with an election to have amounts that are allocated to the Participant’s Deferral Account credited with income
and debited with losses based on the hypothetical investment of such accounts in accordance with the Participant’s investment elections. The investment elections shall be made in accordance with such procedures (including default investment
elections) as shall be determined from time to time by the Committee. The hypothetical investments shall be the investment funds offered from time to time under the Company’s Profit Sharing 401(k) Plan (the “the Company 401(k) Plan”).

 In order to hedge its obligations under the Plan, the Company may invest all or a portion of its assets in such investments as the Company may deem
appropriate. Any such investments shall remain the sole and exclusive property of the Company and the Participant shall have no right, title or interest in any such investment. The Participant shall bear all risk of loss or depreciation in respect
of the Participants Deferral Account as a result of any such hypothetical investments elected by the Participant. Any references in the Plan to “earnings on a Deferral Account” shall be deemed to include “earnings or losses.”

 Future Distributions 
 Future distributions of the
balance in a Participant’s Deferral Account shall only be paid in a single lump sum after the earliest of the following events: (a) the death or disability of the Participant, (b) the termination of the Participant’s employment
with the Company for any reason, (c) retirement from the Company, but only after attaining age 65 (or age 55 in the case of Participants who had an account balance in the Plan as of May 1, 2001), or (d) after termination of the Plan.

 Distributions in the case of termination of employment for any reason other than death, disability or retirement after attaining age 65 (or age 55 in the
case of Participants who had an account balance under the Plan as of May 1, 2001), shall be paid in a lump sum fifteen (15) days after the close of the calendar quarter in which falls the first anniversary date of such termination. During
such period, earnings on the undistributed portion of the Deferral Account shall continue to be credited in accordance with the Plan. 

  
 2 

 Distributions upon death, disability or retirement (after age 65 or 55, as applicable) shall be paid thirty
(30) days after the close of the calendar quarter in which such death, disability or retirement occurs. For the purposes of this Plan, a Participant will be considered disabled if he or she, as determined by the Company: 

(a)    is unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental
impairment that can be expected to result in death or can be expected to last for a continuous period of not less than twelve (12) months; or 

(b)    is, by reason of any medically determinable physical or mental impairment that can be expected to result in death
or can be expected to last for a continuous period of not less than twelve (12) months, receiving disability income replacement benefits for a period of not less than three (3) months under an accident and health plan covering employees of
the Company. 
 Distributions after the termination of the Plan shall be made in accordance with the section of the Plan entitled “Amendment,
Suspension and Termination of the Plan.” 
 The only form of distribution permitted under the Plan shall be a single lump sum payment. 

Hardship Withdrawals 
 In addition to the enumerated
distribution events and methods listed above, in response to a Participant request, the Company may, in its discretion, allow the Participant to withdraw up to all of the portion of such Participant’s Deferral Account that is attributable to
the Participant’s own Elective Contributions and earnings thereon due to the Participant’s unforeseen financial emergency. Any withdrawal under this exception shall be limited to the amount reasonably necessary to satisfy the financial
need, including income and employment taxes due on the amounts withdrawn. The term “unforeseen financial emergency” shall be limited to a severe financial hardship to the participant resulting from: 

(a)    an illness or accident of the Participant, the Participant’s spouse or a dependent of the Participant, as
defined in Section 152(a) of the Internal Revenue Code of 1986, as amended (the “Code”); 

(b)    loss of the Participant’s property due to casualty; or 

(c)    other similar extraordinary and unforeseeable circumstances arising from events beyond the control of the
Participant. 
 A Participant may apply for a hardship distribution following the rules and procedures prescribed by the Company under the Plan, subject to
the following limitations: 
  

	 	(1)	 A Participant may request a hardship distribution from this Plan only after first exhausting his or her right
to a hardship distribution from the Company 401(k) Plan. 

  

	 	(2)	 A participant may only make one hardship distribution request from this Plan in any given calendar year.

  
 3 

	 	(3)	 The right to receive a hardship distribution shall be limited to the funds in the Deferral Account which are
attributable to the Participant’s own Elective Contributions and earnings thereon, and shall exclude Company Contributions and any earnings thereon. 

Beneficiary Designation 
 Each Participant may designate a
person(s) or entity to receive such Participant’s Deferral Account upon the Participant’s death by properly completing a beneficiary designation form supplied by the Company for such purpose and submitting such form to the Company, as
required by the form’s instructions. A “Designated Beneficiary” shall mean the person(s) or entity designated on such form, or in the absence of a completed form, such term shall mean the following: 

(a)    First, the surviving spouse of the Participant, if any. 

(b)    Second, if there is no surviving spouse, then the living children of the Participant, if any, to be divided among
them in equal shares. 
 (c)    Third, if there is no surviving spouse or children, the estate of such Participant. 

Non-Transferable Interest 

The rights of each Participant may not be transferred, conveyed or assigned to any third party, except that in the event of the death of a Participant, such
Deferral Account shall pass to the Designated Beneficiary of such Participant. 
 Amendment, Suspension and Termination of the Plan 

The Company reserves the right to amend, suspend or terminate the Plan, in whole or in part; provided, however, that such amendment, suspension or termination
shall not operate to forfeit or reduce amounts then accrued to the Deferral Account of each affected Participant. 
 The freezing of the Plan as of
December 31, 2007 and the cessation of new contributions thereto shall not be construed as a termination. 
 No Guarantee of Continued Employment

 The Plan shall not be construed as giving any Participant any rights to continued employment with the Company. Nothing contained in the Plan (nor an
Employee’s participation in the Plan) shall be construed to alter the at-will employment status of any Participant, which employment may be terminated by the Company at any time and for any reason, with
or without notice. 
 Impact on Social Security and Qualified Retirement Plans 

Amounts that are deferred under this Plan are still classified as current wages for the purposes of Social Security benefits and the Company is required to
withhold for the Company’s and the Participant’s respective share of Social Security taxes. However, such amounts are not treated as 

  
 4 

 
compensation under the Company’s 401(k) Plan, and thus deferrals under this Plan will not be eligible for any employer matching contributions that might otherwise be available under the
401(k) Plan. Amounts deferred under the Plan should not be taxable to the Participants for income tax purposes until actually distributed from the Plan to the Participant. All such distributions shall be subject to applicable income and payroll tax
withholding. 
 Right of Offset 
 Notwithstanding
anything to the contrary in this Plan, the Company reserves the right to reduce and offset any amounts otherwise distributable to a Participant under this Plan by any amounts that the Participant owes the Company, including, without limitation,
amounts owed to the Company due to the misconduct of the Participant in his or her capacity as an employee of the Company, as determined by the Committee. 

Employee Retirement Income Security Act 
 The Plan is
intended to be “unfunded” and maintained primarily for the purpose of providing deferred compensation for a select group of management or highly compensated employees for purposes of the Employee Retirement Income Security Act of 1974, as
amended (“ERISA”). Accordingly, the Plan is not intended to be covered by Parts 2 through 4 of Subtitle B of Title I of ERISA. 

Claims Procedure 

(a)    Independence and Impartiality. The Company acknowledges and agrees that claims for benefits and appeals of
adverse determinations hereunder will be adjudicated in a manner that is designed to ensure the independence and impartiality of the persons involved in making such determinations. 

(b)    Initial Claim. If a Participant or such Participant’s Designated Beneficiary wishes to file a claim for
a benefit under the Plan, request an interpretation or ruling under the Plan, or request other information related to the Plan (in each case, a “claimant”), the claimant or his/her authorized representative shall present the claim or
request, in writing, to the Committee. Any such claim or request must include information sufficient to enable the Committee to make a determination on the claim or request. Any notice or filing required or permitted to be given to the Committee
under the Plan shall be effective if made in writing and hand delivered, or sent by registered or certified mail, to the principal office of the Company and addressed to the Committee. Such notice shall be deemed given as of the date of delivery or,
if delivery is made by mail, as of the date shown on the postmark on the receipt for registration or certification. The Committee shall respond within forty-five (45) days after receiving the claim or request. For reasons that are beyond the
Plan’s control, the Committee may extend the reply period for thirty (30) days by giving written notice to the claimant prior to the expiration of the initial forty-five (45)-day period. If, after
extending the initial forty-five (45)-day period for thirty (30) days, the Committee determines that it will still be unable, for reasons that are beyond the Plan’s control, to make a decision within
the first thirty (30)-day extension period, the Committee may extend the reply period for a second thirty (30)-day period by giving written notice to the claimant prior
to the expiration of the first thirty (30)-day extension. All such notices extending the reply 

  
 5 

 
period shall explain the circumstances requiring the extension and the date by which the Committee expects to make a decision on the claim or request at issue. Such notices shall also explain the
standards on which entitlement to the benefit, interpretation, ruling, or information being sought is based, the unresolved issues that prevent a determination on the claim or request, and the additional information needed to resolve those issues.
The claimant will have forty-five (45) days from the date of the Committee’s notice to provide the specified information. 

(c)    Denial of Claim. If the Committee determines that all or part of the claim or request will be denied
(including the cancellation or termination of a benefit that is applied retroactively), it shall provide the claimant with a written notice of its determination that explains the claimant’s appeal rights. Such written notice shall be made in a
culturally and linguistically appropriate manner calculated to be understood by the claimant, and shall further set forth: 
  

	 	(1)	 The specific reason(s) for the adverse determination, with reference(s) to the specific Plan provision(s) on
which such determination was based. 

  

	 	(2)	 A description of any additional material or information required from the claimant and an explanation of why it
is necessary. 

  

	 	(3)	 An explanation of the Plan’s claim review procedures and the time limits applicable to such procedures, as
well as a statement of the claimant’s right to bring a civil action under Section 502(a) of ERISA following an adverse determination on review of the Committee’s determination. 

 

	 	(4)	 In the event that the determination related to a claim for disability benefits: 

 

	 	a.	 A discussion of the Committee’s adverse determination and an explanation of the basis for disagreeing with
or not following: (i) the views of medical and/or vocational professionals who treated and/or evaluated the claimant and that were presented by the claimant; (ii) the views of medical and/or vocational experts whose advice was obtained on
behalf of the Plan and in connection with the determination, regardless of whether their advice was relied upon in making the determination; and (iii) a disability determination made by the Social Security Administration with respect to the
claimant and that was presented by the claimant. Further, if any medical or vocational experts’ advice was obtained in connection with such determination, all such experts shall be identified, regardless of whether their advice was relied upon.

  

	 	b.	 If the adverse determination is based on a medical necessity or experimental treatment or similar exclusion or
limit, either an explanation of the scientific or clinical judgment for the determination, applying the terms of the Plan to the claimant’s medical circumstances, or a statement that such explanation will be provided free of charge upon
request. 

  

	 	c.	 Either the specific internal rules, guidelines, protocols, standards, or other similar Plan criteria relied on
in making the adverse determination or, alternatively, a statement that such internal rules, guidelines, protocols, standards or other similar Plan criteria do not exist. 

  
 6 

	 	d.	 A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to,
and copies of, all documents, records, and other information relevant (as the term “relevant” is defined in applicable ERISA regulations) to the claim. 

(d)    Review of a Denied Claim. Any claimant whose claim or request is denied or who has not received a written
response within the timeframe set forth above may request a review of his or her claim or request by giving written notice to the Committee. Such request for review must be submitted to the Committee no later than one hundred eighty (180) days
after receipt of the Committee’s written notice denying the claim or request or expiration of the applicable timeframe. On review, the claimant may have representation, examine pertinent documents, and submit issues and documents in writing.
Upon request and free of charge, the claimant shall be given reasonable access to, and copies of, all documents, records, and other information relevant (as the term “relevant” is defined in applicable ERISA regulations) to the claim. The
claimant or his/her authorized representative may submit written comments, documents, records, and other information related to the denied claim or request. The request for review shall be reviewed by the Committee, which may, but shall not be
required to, award the claimant a hearing. 
 The Committee’s review of a denied claim or request shall take into account all comments, documents,
records, and other information submitted by the claimant, without regard to whether such information was submitted or considered as part of the initial determination. In the case of a claim relating to disability benefits, the Company shall appoint
a group of no less than three (3) independent and impartial persons to review the claim (the “Disability Review Committee”). 
 In the event
that the determination related to a claim for disability benefits: 
  

	 	(1)	 If the Committee’s determination was based, in whole or in part, on a medical judgment, including
determinations with regard to whether a treatment, drug, or other item is experimental, investigational, or not medically necessary or appropriate, the Disability Review Committee shall consult with a health care professional who has appropriate
training and experience in the field of medicine involved in the medical judgment. Such health care professional shall be a person who is neither an individual consulted in connection with the Committee’s determination nor the subordinate of
such individual. 

  

	 	(2)	 The Disability Review Committee shall provide the claimant, free of charge, with: (i) any new or
additional evidence considered, relied upon, or generated by the Disability Review Committee, an insurer, or other person making a determination in connection with the claim, and (ii) any new or additional rationale(s) upon which the Disability
Review Committee intends to issue an adverse determination on review, as soon as possible and sufficiently in advance of the date by which notice of the determination on review must be made, in order that the claimant is given a reasonable
opportunity to respond prior to that date. 

  
 7 

 (e)    Final Determination. The determination on review (whether
by hearing or otherwise) shall be made within forty-five (45) days after the date on which the claimant requested the review, unless special circumstances require an extension of the review period, not to exceed forty-five (45) additional
days. In such a case, the Committee or Disability Review Committee shall notify the claimant, in writing and before the end of the initial forty-five (45)-day period, of such special circumstances and the date
by which the Committee or Disability Review Committee expects to render its determination. All determinations on review shall be final and binding on all parties concerned. The determination shall be communicated to the claimant in writing and in a
culturally and linguistically appropriate manner calculated to be understood by the claimant. If the Committee’s determination is upheld on review, the notice shall also set forth: 

 

	 	(1)	 The specific reason(s) for the adverse determination, with reference(s) to the specific Plan provision(s) on
which such determination was based. 

  

	 	(2)	 A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to,
and copies of, all documents, records, and other information relevant (as the term “relevant” is defined in applicable ERISA regulations) to the claim. 

 

	 	(3)	 A statement of the claimant’s right to bring a civil action under Section 502(a) of ERISA that also
explains the Plan’s contractual limitations period governing the claimant’s right to bring such an action and that specifies the calendar date on which the limitations period will end. 

 

	 	(4)	 In the event that the determination related to a claim for disability benefits: 

 

	 	a.	 A discussion of the Disability Review Committee’s determination and an explanation of the basis for
disagreeing with or not following: (i) the views of medical and/or vocational professionals who treated and/or evaluated the claimant and that were presented by the claimant; (ii) the views of medical and/or vocational experts whose advice
was obtained on behalf of the Plan and in connection with the determination, regardless of whether their advice was relied upon in making the determination; and (iii) a disability determination made by the Social Security Administration with
respect to the claimant and presented by the claimant. 

  

	 	b.	 If the adverse determination is based on a medical necessity or experimental treatment or similar exclusion or
limit, either an explanation of the scientific or clinical judgment for the determination, applying the terms of the Plan to the claimant’s medical circumstances, or a statement that such explanation will be provided free of charge upon
request. 

  

	 	c.	 Either the specific internal rules, guidelines, protocols, standards, or other similar Plan criteria relied on
in making the adverse determination or, alternatively, a statement that such internal rules, guidelines, protocols, standards or other similar Plan criteria do not exist. 

  
 8 

 (f)    Exhaustion Requirement. The procedures set forth in this
section are a condition precedent to Participant or Participant’s beneficiary being able to bring a civil action under Section 502(a) of ERISA, and must be exhausted before such filing can be made. The foregoing notwithstanding, no civil
suit may be brought by a Participant or such Participant’s beneficiary on any matter arising from or related to this Plan more than two (2) years from the date the Participant or Participant’s beneficiary knew or reasonably should
have known of the principal facts giving rise to the claim. 
 Section 409A of the Code 

(a)    General. The obligations under this Plan are intended to comply with the requirements of Section 409A of
the Code and shall in all respects be administered in accordance with Section 409A of the Code. For purposes of applying the provisions of Section 409A of the Code, each payment of compensation under this Plan shall be treated as a
separate payment of compensation. All payments to be made upon a termination of employment under this Plan may only be made upon a “separation from service” under Section 409A of the Code to the extent necessary in order to avoid the
imposition of penalty taxes on a Participant pursuant to Section 409A of the Code. In no event may a Participant, directly or indirectly, designate the calendar year of any payment under this Plan. 

(b)    Delay of Payments. Notwithstanding any other provision of this Plan to the contrary, if a Participant is
considered a “specified employee” for purposes of Section 409A of the Code (as determined in accordance with the methodology established by the Company as in effect on the date of the Participant’s separation from service), any
payment or benefit that constitutes nonqualified deferred compensation within the meaning of Section 409A of the Code that is otherwise due to be paid to such Participant under this Agreement during the six (6)-month period immediately
following such Participant’s separation from service on account of such Participant’s separation from service shall be accumulated and paid to such Participant on the first (1st) business day of the seventh (7th) month following the
Participant’s separation from service (the “Delayed Payment Date”), to the extent necessary to avoid penalty taxes or accelerated taxation pursuant to Section 409A of the Code. If such Participant dies during the postponement
period, the amounts and entitlements delayed on account of Section 409A of the Code shall be paid to the Participant’s Designated Beneficiary on the first to occur of the Delayed Payment Date or thirty (30) calendar days after the
date of such Participant’s death. 
 Governing Law 

The Plan shall be governed by the laws of the State of California (without regard to the choice of law principles thereof) except to the extent superseded by
ERISA. 
 Plan Controls 
 In the event of any
inconsistency between this Plan document and any other communication regarding this Plan, this Plan document controls. The captions in this Plan are not part of the provisions hereof and shall have no force or effect. 

  
 9 

 Gender and Plurals 

Wherever used in this Plan document, words in the masculine gender shall include masculine or feminine gender, and, unless the context otherwise requires,
words in the singular shall include the plural, and words in the plural shall include the singular. 
 Validity 

If any provision of the Plan is held to be illegal or invalid for any reason, the remaining provisions of the Plan will be construed and enforced as if such
illegal and invalid provision had never been inserted herein. 
 Notice 

Any notice or filing required or permitted to be given to the Committee under the Plan shall be sufficient if sent by first-class mail, to Guild Mortgage
Company LLC, 5898 Copley Drive, San Diego, California, 92111. Any notice or filing required or permitted to be given to any Participant or Designated Beneficiary under the Plan shall be sufficient if provided either electronically, hand-delivered,
or mailed to the address (or email address, as the case may be) of the Participant or Designated Beneficiary then listed on the records of the Company. Any such notice will be deemed given as of the date of delivery or, if delivery is made by mail,
as of the date shown on the postmark or email system. 
 Successors 

The provisions of the Plan shall bind and inure to the benefit of the Company and its successors and assigns. The term “successors” as used herein
shall include any corporate or other business entity, which by merger, consolidation, purchase or otherwise acquires all or substantially all of the business and assets of the Company, and successors of any such corporation or other business entity.

  
 10 

 Exhibit A 

Calculation of Account Balances 
  

									
	 Participant
	  	Dollar Value of Dividend
Equivalent Balance as of
September 30, 2020	 	  	Number of Phantom
Units Credited to
Account as of Immediately
Prior to the Reorganization
Transactions	 
	 Mary Ann McGarry
	  	$	5,033,128.74	 	  	 	79,365	 
	 Terry Schmidt
	  	$	5,422,110.55	 	  	 	79,365	 
	 Michael Rish
	  	$	3,271,518.01	 	  	 	51,587	 
	 Catherine Blocker
	  	$	151,003.94	 	  	 	2,381	 
	 Theresa Cherry
	  	$	1,138,582.82	 	  	 	15,873	 

 As of the IPO Date, each Participant shall have an initial account balance equal to the sum of (i) the product of
(A) the number of shares of Company Class A common stock of Guild Holdings that would have been distributed in respect of the Participant’s phantom units as a result of the reorganization transactions (as described in the Form S-1 Registration Statement of Guild Holdings) if such phantom units were actual outstanding Class A units in Guild Management LLC, multiplied by (B) the public offering price of Class A common stock
of Guild Holdings plus (ii) the dollar value of the Participant’s dividend equivalent balance as of the close of business on the last business day immediately prior to the IPO Date.

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