Document:

EX-10.50

 Exhibit 10.50 

EXECUTION VERSION 
 CERTAIN IDENTIFIED
INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE REGISTRANT IF PUBLICLY DISCLOSED. [***] INDICATES THAT INFORMATION HAS BEEN REDACTED. 

TIAA BANK 
 100 Summer
Street, Suite 3232 
 Boston, MA 02110 
 Guild
Mortgage Company 
 5898 Copley Drive 
 San Diego, California
92111 
 Attention: Terry L. Schmidt 
  

	 	Re:	 First Amendment to the Amended and Restated Loan and Security Agreement (“First Amendment”)

 Ladies and Gentlemen: 

This First Amendment is made as of the 14th day of August, 2020 (the “Amendment Effective Date”), to that certain Amended and
Restated Loan and Security Agreement, dated July 15, 2020, as amended (the “Agreement”) by and between Guild Mortgage Company (“Borrower”) and TIAA, FSB, formerly known as EverBank (“Bank”).

 WHEREAS, Borrower requested that Bank amend the Agreement as provided herein; and 

WHEREAS, Borrower and Bank have agreed to so amend the Agreement. 

NOW THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto hereby
agree to amend the Agreement as follows: 
 SECTION 1. Amendments. 

(a) The following definitions contained in Section 1, of the Agreement are hereby amended and restated in its entirety as follows: 

““Combined Facility Amount” shall mean (a) during the Revolving Loan Period, [***] and (b) at any other time
and for any other period, [***] minus the then-outstanding principal balance of the Loan. 
 “Maximum Loan Amount” means
[***] minus the amount by which the outstanding Purchase Price under the Mortgage Warehouse Agreement exceeds [***].” 
 (b) The reference to
“[***]” contained in the fifth sentence of Section 3(a) is replaced with “Combined Facility Amout” 

 SECTION 2. Fees. Borrower agrees to pay, on the Amendment Effective Date, Bank’s legal
fees in connection with the preparation, negotiation and consummation of this First Amendment. There are no other fees are payable in connection with this First Amendment. 

SECTION 3. Defined Terms. Any terms capitalized but not otherwise defined herein should have the respective meanings set forth in the Agreement.

 SECTION 4. Limited Effect. Except as amended hereby, the Agreement shall continue in full force and effect in accordance with its terms.
Reference to this First Amendment need not be made in the Agreement or any other instrument or document executed in connection therewith, or in any certificate, letter or communication issued or made pursuant to, or with respect to, the Agreement,
any reference in any of such items to the Agreement being sufficient to refer to the Agreement as amended hereby. 
 SECTION 5.
Representations. In order to induce Bank to execute and deliver this First Amendment, Borrower represents and warrants to Bank that as of the date hereof, except as otherwise expressly waived by Bank in writing, Borrower is in full
compliance with all of the terms and conditions of the Facility Documents, including without limitation all of the representations and warranties and all of the affirmative and negative covenants, and no Default or Event of Default has occurred and
is continuing under the Agreement. 
 SECTION 6. Governing Law. This First Amendment and any claim, controversy or dispute arising under or
related to or in connection with this First Amendment, the relationship of the parties, and/or the interpretation and enforcement of the rights and duties of the parties will be governed by the laws of the State of New York without regard to any
conflicts of law principles other than Sections 5-1401 and 5-1402 of the New York General Obligations Law, which shall govern. 

SECTION 7. Counterparts. This First Amendment may be executed in two (2) or more counterparts, each of which shall be deemed an original
but all of which together shall constitute but one and the same agreement. This First Amendment, to the extent signed and delivered by facsimile or other electronic means, shall be treated in all manner and respects as an original agreement and
shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person. No signatory to this First Amendment shall raise the use of a facsimile machine or other electronic means to deliver a
signature or the fact that any signature or agreement was transmitted or communicated through the use of a facsimile machine or other electronic means as a defense to the formation or enforceability of a contract and each such Person forever waives
any such defense. 
 [Space below intentionally blank; signatures follow] 

  
 -2- 

 IN WITNESS WHEREOF, Borrower and Bank have caused this First Amendment to be executed and
delivered as of the Amendment Effective Date. 
  

			
	TIAA, FSB, formerly known as EverBank, as Bank
		
	By:	 	/s/ Kate Walton
		 	Name: Kate Walton
		 	Title:   Vice President

  

					
	GUILD MORTGAGE COMPANY, as Borrower
		
	By:	 	/s/ Amber Elwell
		 	Name:	 	Amber Elwell
		 	Title:	 	CFO

  
 Signature page to
First Amendment to the Loan and Security Agreement – Guild Mortgage CompanyEX-10.51

 Exhibit 10.51 

EXECUTION VERSION 
 CERTAIN IDENTIFIED
INFORMATION HAS BEEN EXCLUDED FROM THE EXHIBIT BECAUSE IT IS BOTH NOT MATERIAL AND WOULD LIKELY CAUSE COMPETITIVE HARM TO THE REGISTRANT IF PUBLICLY DISCLOSED. [***] INDICATES THAT INFORMATION HAS BEEN REDACTED. 

AMENDMENT NO. 2 TO 

AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT 

This AMENDMENT NO. 2 TO AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT (this “Amendment”) is made and entered into as of October 8,
2020, by and among GUILD MORTGAGE COMPANY, a California corporation, as borrower (“Borrower”) and TIAA, FSB, as bank (“Bank”). 

RECITALS 
 WHEREAS,
reference is made to that certain Amended and Restated Loan and Security Agreement, dated as of July 15, 2020, by and among Borrower and Bank (the “Agreement”). All capitalized terms used herein, but not otherwise defined
herein, shall have the meanings assigned to such terms in the Agreement. 
 WHEREAS, on September 22, 2020, Guild Mortgage Company, LLC, a
Delaware limited liability company changed its name to Guild Investors, LLC (“GILLC”). 
 WHEREAS, Borrower and Guild Holdings
Company, a Delaware corporation (“GHC”) intend to carry out certain internal restructuring and other transactions, including (i) the contribution (the “Contribution”) by GILLC, of 100% of the issued and
outstanding equity interests of Borrower to GHC, (ii) substantially simultaneously with the Contribution, the conversion (the “Conversion”) of Borrower from a California corporation to Guild Mortgage Company, LLC, a California
limited liability company, (iii) the dissolution of GILLC, and (iv) the sale of shares of common stock of GHC to public investors. 

WHEREAS, the Borrower and Bank have agreed to amend certain terms and conditions of the Credit Agreement as provided herein. 

NOW, THEREFORE, in consideration of the mutual promises contained herein, and for other good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, the parties hereby agree as follows: 
 ARTICLE 1 

Amendments to Credit Agreement. 

Section 1.1 Effective upon the consummation of the Contribution, Section 1 of the Agreement is hereby amended by adding the
following definitions in appropriate alphabetical order: 
 ““Board” means the board of directors of the
Company.” 
 ““Company” means Guild Holdings Company, a Delaware corporation, or its successor.” 

““Exchange Act” means the Securities Exchange Act of 1934, as amended from time to time, and any successor thereto.”

 ““Investor” means, collectively, (i) [***], any other investment
funds affiliated with [***], and any company or other entity controlled by, controlling or under common control with [***] or any such investment fund (other than any portfolio company) (the “[***] Investors”) and (ii) provided
that the [***] Investors own [***] 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 [***] 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.” 

““IPO Transactions” means, collectively, (i) the contribution (the “Contribution”) by Guild
Investors, LLC, a Delaware limited liability company, of 100% of the issued and outstanding equity interests of Borrower, to the Company, (ii) the conversion (the “Conversion”) of Borrower to Guild Mortgage Company, LLC, a
California limited liability company, (iii) the dissolution of Guild Investors, LLC, a Delaware limited liability company, and (iv) the sale of common stock of the Company to public investors.” 

Section 1.2 Effective upon the consummation of the Contribution, Section 1 of the Agreement is hereby amended by deleting the
definition of “Holdco” set forth therein in its entirety and by substituting the following in its stead: 

““Holdco” shall mean the Company.” 

Section 1.3 Effective upon the consummation of the Contribution, Section 1 of the Agreement is hereby amended by deleting the
definition of “Change in Control” set forth therein in its entirety and by substituting the following in its stead: 

““Change in Control” means the occurrence of any of the following events: 

An acquisition by any “person” or “group” (within the meaning of Section 13(d)(3) or 14(d)(2) of the Exchange Act) of
beneficial ownership (within the meaning of Rule 13d-3 promulgated under the Exchange Act) of [***] or more of the combined voting power of the outstanding shares of voting stock of the Company entitled to
vote generally in the election of directors (the “Outstanding Voting Stock”); provided, however, that the following 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 in which (i) all or substantially all of the individuals and entities who were the beneficial owners of the Outstanding Voting Stock immediately prior to such transaction beneficially own,
directly or indirectly, more than [***] of the combined voting power of the then outstanding voting securities entitled to vote generally in the election of directors 

  
 2 

 (or, for a noncorporate entity, equivalent securities) of the entity resulting from such
transaction (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 transaction of the Outstanding Voting Stock or (ii) immediately following that transaction, no entity (other than an entity satisfying the requirements of this sentence, any one or more Investors or any
employee benefit plan (or related trust) of the Company or such acquiring entity)) is the owner, directly or indirectly, of more than [***] of the combined voting power of the then outstanding voting securities of such acquiring entity entitled to
vote generally in the election of directors. 
 Notwithstanding anything to the contrary contained herein, the IPO Transactions shall not
constitute a Change in Control.” 
 Section 1.4 Effective upon the consummation of the Contribution, (1) the Company shall
succeed to, and be substituted for, assume all obligations of, and may exercise every right and power of, GILLC under the Agreement, with the same effect as the Company had been named as Holdco in the Agreement, and (2) GILLC shall be removed
as a party to, no longer be deemed bound by, cease to have any rights under, and be otherwise released from all obligations and liabilities under, the Agreement. 

Section 1.5 Effective upon the consummation of the Contribution, Section 2 of the Agreement is hereby amended by deleting
clause (a)(1) in its entirety and by substituting the following in its stead: 
 “(1) Borrower Existence. Borrower
has been duly organized and is validly existing as a corporation or limited liability company in good standing under the laws of the State of California.” 

ARTICLE 2 

Miscellaneous. 

Section 2.1 Except as amended hereby, the Agreement shall continue in full force and effect in accordance with its terms. 

Section 2.2 Bank hereby consents to the IPO Transactions and hereby agrees that, notwithstanding anything to the contrary in the
Agreement, the consummation of the IPO Transactions and any transaction related thereto shall not constitute a Default or an Event of Default. 

Section 2.3 This Amendment may be executed in several counterparts and by each party on a separate counterpart, each of which when so
executed and delivered shall be an original, and all of which together shall constitute one instrument. This Amendment shall be valid, binding and enforceable against a party only when executed by an authorized individual on behalf of the party by
means of (i) a DocuSign® electronic signature, (ii) an original, manual signature, or (iii) a faxed, electronic image scan transmission (e.g., “pdf” or “tif”
via electronic mail) or photocopied manual signature. Each DocuSign®, faxed, electronic image scan transmission (e.g., “pdf” or “tif” via electronic mail) or photocopied
manual signature shall for all purposes have the same validity, legal effect and admissibility in evidence as an original manual signature. 

  
 3 

 Section 2.4 This Amendment expresses the entire understanding of the parties with
respect to the transactions contemplated hereby. No prior negotiations or discussions shall limit, modify, or otherwise affect the provisions hereof. 

Section 2.5 Any determination that any provision of this Amendment or any application hereof is invalid, illegal or unenforceable in any
respect and in any instance shall not affect the validity, legality, or enforceability of such provision in any other instance, or the validity, legality or enforceability of any other provisions of this Amendment. 

Section 2.6 This Amendment SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK, AND THE
OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 
 [signature page follows] 

  
 4 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed as of the date first
written above. 
  

			
	GUILD MORTGAGE COMPANY
		
	By:	 	/s/ Amber Elwell
		 	Name: Amber Elwell
		 	Title:   CFO
	
	GUILD HOLDINGS COMPANY
		
	By:	 	/s/ Amber Elwell
		 	Name: Amber Elwell
		 	Title:   CFO

 [Signature Page to Amendment No. 2] 

  

			
	BANK
	
	TIAA, FSB
		
	By:	 	/s/ Charles Clark
		 	Name: Charles Clark
		 	Title:   Senior Vice President

 [Signature Page to Amendment No. 2]

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