Document:

EX-10.32.3

 Exhibit 10.32.3 

EXECUTION 
 AMENDMENT NO.
3 TO 
 MASTER REPURCHASE AGREEMENT 

Amendment No. 3 to Master Repurchase Agreement, dated as of April 8, 2019 (this “Amendment”), among CREDIT SUISSE
FIRST BOSTON MORTGAGE CAPITAL LLC (the “Administrative Agent”), CREDIT SUISSE AG, a company incorporated in Switzerland, acting through its Cayman Islands Branch (“CS Cayman” and a “Buyer”) and
LOANDEPOT.COM, LLC (the “Seller”). 
 RECITALS 

The Administrative Agent, the Buyer and the Seller are parties to that certain Master Repurchase Agreement, dated as of March 10, 2017
(as amended by Amendment No. 1, dated as of August 11, 2017, and Amendment No. 2, dated as of January 31, 2018, the “Existing Repurchase Agreement”; and as further amended by this Amendment, the
“Repurchase Agreement”). Capitalized terms used but not otherwise defined herein shall have the meanings given to them in the Repurchase Agreement. 

The Administrative Agent, the Buyer and the Seller have agreed, subject to the terms and conditions of this Amendment, that the Existing
Repurchase Agreement be amended to reflect certain agreed upon revisions to the terms of the Existing Repurchase Agreement. 
 Accordingly,
the Administrative Agent, the Buyer and the Seller hereby agree, in consideration of the mutual promises and mutual obligations set forth herein, that the Existing Repurchase Agreement is hereby amended as follows: 

SECTION 1. Definitions. Section 2 of the Existing Repurchase is hereby amended by: 

1.1 adding the following definitions in their proper alphabetical order: 

“Amendment No. 3 Effective Date” means April 8, 2019. 

“Reference Rate” has the meaning assigned to such term in the Pricing Side Letter. 

“Subordination Agreement” has the meaning set forth in Section 14(bb) hereof. 

“Successor Rate” means a rate determined by Administrative Agent in accordance with
Section 4(d) hereof. 
 “Successor Rate Conforming Changes” means with respect to
any proposed Successor Rate, any spread adjustments or other conforming changes to the timing and frequency of determining rates and making payments of interest and other administrative matters as may be appropriate, in the discretion of
Administrative Agent, to reflect the adoption of such Successor Rate and to permit the administration thereof by Administrative Agent in a manner substantially consistent with market practice. 

 1.2 deleting the definition of “Program Agreements” in its
entirety and replacing it with the following: 
 “Program Agreements” means, collectively, this Agreement;
the Administration Agreement; Custodial Agreement; the Pricing Side Letter; the Electronic Tracking Agreement; the Collection Account Control Agreement; the Power of Attorney; each Servicing Agreement; each Servicer Notice; when entered into, the
Subordination Agreement; and if entered into, the Escrow Agreement, the Intercreditor Agreement and the Joint Securities Account Control Agreement. 

SECTION 2. Price Differential. Section 4 of the Existing Repurchase Agreement is hereby amended by adding the following new
subsection (d) at the end thereof: 
 (d) If prior to any Price Differential Payment Date, Administrative Agent
determines in its sole discretion that, by reason of circumstances affecting the relevant market, adequate and reasonable means do not exist for ascertaining LIBOR, LIBOR is no longer in existence, or the administrator of LIBOR or a Governmental
Authority having jurisdiction over Administrative Agent has made a public statement identifying a specific date after which LIBOR shall no longer be made available or used for determining the interest rate of loans, Administrative Agent may give
prompt notice thereof to Seller, whereupon the rate for such period that will replace LIBOR for such period, and for all subsequent periods until such notice has been withdrawn by Administrative Agent, shall be the greater of (i) an alternative
benchmark rate (including any mathematical or other adjustments to the benchmark rate (if any) incorporated therein) and (ii) zero, together with any proposed Successor Rate Conforming Changes, as determined by Administrative Agent in its sole
discretion (any such rate, a “Successor Rate”). 
 SECTION 3. Conditions Precedent. Section 10(b) of the
Existing Repurchase Agreement is hereby amended by deleting paragraph (5) in its entirety and replacing it with the following: 

(5) Requirements of Law. Neither Administrative Agent nor Buyers shall have determined that the introduction of or a
change in any Requirement of Law or in the interpretation or administration of any Requirement of Law applicable to Administrative Agent or any Buyer has made it unlawful, and no Governmental Authority shall have asserted that it is unlawful, for
Administrative Agent or any Buyer to enter into Transactions with a Pricing Rate based on the Reference Rate. 
 SECTION 4.
Covenants. Section 14 of the Existing Master Repurchase Agreement is hereby amended by deleting subsection (bb) in its entirety and replacing it with the following: 

(bb) Subordination Agreement. Seller will, within ninety (90) days after the Amendment No. 3 Effective Date,
shall cause to be executed and delivered a subordination agreement in form and substance satisfactory to the Administrative Agent in the Administrative Agent’s sole discretion (the “Subordination Agreement”), in connection with
that certain Credit Agreement, dated as of August 3, 2017, among Seller, U.S. Bank National Association as paying agent and lenders from time to time party thereto. 

  
 2 

 SECTION 5. Events of Default. Section 15 of the Existing Master Repurchase
Agreement is hereby amended by deleting subsection (f) in its entirety and replacing it with the following: 
 f.
Breach of Financial Representation or Covenant or Obligation. A breach by Seller of any of the representations, warranties or covenants or obligations set forth in Sections 13(a)(1) (Seller Existence), 13(a)(7)
(Solvency), 13(a)(12) (Material Adverse Change), 13(a)(19) (Adjusted Tangible Net Worth), 13(a)(23) (Other Indebtedness), 14(b) (Prohibition of Fundamental Changes), 14(m)
(Distributions), 14(o) (Existence), 14(s) (Guarantees), 14(t) (Indebtedness), 14(x) (Agency Approvals), 14(y) (Take-out Payments),
14(z) (No Pledge), 14(aa) (Plan Assets), 14(bb) (Subordination Agreements), 14(ff) (Quality Control) or 14(gg) (Financial and Other Unique Covenants) of this Agreement. 

SECTION 6. Conditions Precedent. This Amendment shall become effective as of the date hereof (the “Amendment Effective
Date”), subject to the satisfaction of the following conditions precedent: 
 6.1 Delivered Documents. On the
Amendment Effective Date, the Administrative Agent on behalf of Buyer shall have received the following documents, each of which shall be satisfactory to the Administrative Agent in form and substance: 

(a) this Amendment, executed and delivered by the duly authorized officers of the Administrative Agent, Buyer, and the Seller;
and 
 (b) such other documents as the Administrative Agent or counsel to the Administrative Agent may reasonably request.

 SECTION 7. Representations and Warranties. The Seller hereby represents and warrants to the Administrative Agent and Buyer that it
is in compliance with all the terms and provisions set forth in the Repurchase Agreement on Seller’s part to be observed or performed, and that no Event of Default has occurred or is continuing, and Seller hereby confirms and reaffirms the
representations and warranties contained in Section 13 of the Repurchase Agreement as of the date hereof are true and correct in all material respects, except to the extent such representations relate to a date prior to the date hereof, in
which case the representations and warranties are true and correct in all material respects as of such date. 
 SECTION 8. Limited
Effect. Except as expressly amended and modified by this Amendment, the Existing Repurchase Agreement shall continue to be, and shall remain, in full force and effect in accordance with its terms. 

SECTION 9. Severability. Each provision and agreement herein shall be treated as separate and independent from any other provision or
agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement. 

  
 3 

 SECTION 10. Counterparts. This Amendment may be executed by each of the parties
hereto on any number of separate counterparts, each of which shall be an original and all of which taken together shall constitute one and the same instrument. The parties intend that electronically imaged signatures such as .pdf files constitute
original signatures and are binding on all parties. 
 SECTION 11. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND
CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE TO THE CHOICE OF LAW PROVISIONS THEREOF. 
 [SIGNATURE
PAGES FOLLOW] 

  
 4 

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

			
	CREDIT SUISSE FIRST BOSTON MORTGAGE CAPITAL LLC, as Administrative Agent
		
	By:	 	
                     
    

	Name:
	Title:
	
	CREDIT SUISSE AG, Cayman Islands Branch, as a Buyer
		
	By:	 	  

	Name:
	Title:
		
	By:	 	  

	Name:
	Title:

 Signature Page to Amendment No. 3 to Master Repurchase Agreement 

 
			
	LOANDEPOT.COM, LLC, as Seller
		
	By:	 	
                     
    

	Name: Bryan Sullivan
	Title: Chief Financial Officer

 Signature Page to Amendment No. 3 to Master Repurchase AgreementEX-10.32.4

 Exhibit 10.32.4 

EXECUTION 
 AMENDMENT NO.
4 TO 
 MASTER REPURCHASE AGREEMENT 

Amendment No. 4 to Master Repurchase Agreement, dated as of February 26, 2020 (this “Amendment”), among CREDIT
SUISSE FIRST BOSTON MORTGAGE CAPITAL LLC (the “Administrative Agent”), CREDIT SUISSE AG, a company incorporated in Switzerland, acting through its Cayman Islands Branch (“CS Cayman” and a “Buyer”) and
LOANDEPOT.COM, LLC (the “Seller”). 
 RECITALS 

The Administrative Agent, the Buyer and the Seller are parties to that certain Master Repurchase Agreement, dated as of March 10, 2017
(as amended by Amendment No. 1, dated as of August 11, 2017, Amendment No. 2, dated as of January 31, 2018, and Amendment No. 3, dated as of April 8, 2019, the “Existing Repurchase Agreement”; and as
further amended by this Amendment, the “Repurchase Agreement”). Capitalized terms used but not otherwise defined herein shall have the meanings given to them in the Repurchase Agreement. 

The Administrative Agent, the Buyer and the Seller have agreed, subject to the terms and conditions of this Amendment, that the Existing
Repurchase Agreement be amended to reflect certain agreed upon revisions to the terms of the Existing Repurchase Agreement. 
 Accordingly,
the Administrative Agent, the Buyer and the Seller hereby agree, in consideration of the mutual promises and mutual obligations set forth herein, that the Existing Repurchase Agreement is hereby amended as follows: 

SECTION 1. Definitions. Section 2 of the Existing Repurchase Agreement is hereby amended by deleting the first sentence of such
section in its entirety and replacing it with the following: 
 Whenever used in this Agreement, the following words and
phrases, unless the context otherwise requires, shall have the following meanings; provided that any terms used but not otherwise defined herein shall have the meanings given to them in the Pricing Side Letter: 

SECTION 2. Covenants. Section 14 of the Existing Repurchase Agreement is hereby amended by deleting subsection (cc) in its
entirety and replacing it with the following: 
 (cc) Magnetar Agreement. Seller shall not amend, restate or otherwise
modify the Magnetar Agreement in any manner without first seeking the prior written consent of Administrative Agent; provided that if the Administrative Agent fails to consent to such amendment, then such amendment shall not, by itself, result in an
Event of Default, but instead shall cause the Indebtedness under the Magnetar Agreement to no longer satisfy the definition of Subordinated Debt. 

 SECTION 3. Reports. Section 17 of the Existing Repurchase Agreement is hereby
amended by adding the following new subsection (g) at the end thereof: 
 g. Borrowing Base Deficiency
Report. Within one (1) Business Day of the occurrence of a Borrowing Base Deficiency, Seller shall deliver to Administrative Agent notice of the existence of such Borrowing Base Deficiency, and upon the cure of such Borrowing Base
Deficiency, Seller shall deliver a notice of such cure to Administrative Agent. 
 SECTION 4. Amendment Termination Date. The
amendments set forth in Section 2 and Section 3 hereof shall automatically terminate on April 6, 2020 (the “Amendment Termination Date”). On the Amendment Termination Date, the terms of the Repurchase Agreement in
effect immediately prior to the execution of this Amendment, as it relates to the amendments effected by Sections 2 and 3 above, shall be reinstated automatically without further action or consent by the parties hereto 

SECTION 5. Conditions Precedent. This Amendment shall become effective as of the date hereof (the “Amendment Effective
Date”), subject to the satisfaction of the following conditions precedent: 
 5.1 Delivered Documents. On the
Amendment Effective Date, the Administrative Agent on behalf of Buyer shall have received the following documents, each of which shall be satisfactory to the Administrative Agent in form and substance: 

(a) this Amendment, executed and delivered by the duly authorized officers of the Administrative Agent, Buyer, and the Seller;

 (b) Amendment No. 9 to Pricing Side Letter, executed and delivered by the duly authorized officers of the
Administrative Agent, Buyer and the Seller; and 
 (c) such other documents as the Administrative Agent or counsel to the
Administrative Agent may reasonably request. 
 SECTION 6. Representations and Warranties. The Seller hereby represents and warrants
to the Administrative Agent and Buyer that it is in compliance with all the terms and provisions set forth in the Repurchase Agreement on Seller’s part to be observed or performed, and that no Event of Default has occurred or is continuing, and
Seller hereby confirms and reaffirms the representations and warranties contained in Section 13 of the Repurchase Agreement as of the date hereof are true and correct in all material respects, except to the extent such representations relate to
a date prior to the date hereof, in which case the representations and warranties are true and correct in all material respects as of such date. 

SECTION 7. Limited Effect. Except as expressly amended and modified by this Amendment, the Existing Repurchase Agreement shall continue
to be, and shall remain, in full force and effect in accordance with its terms. 
 SECTION 8. Severability. Each provision and
agreement herein shall be treated as separate and independent from any other provision or agreement herein and shall be enforceable notwithstanding the unenforceability of any such other provision or agreement. 

  
 2 

 SECTION 9. Counterparts. This Amendment may be executed by each of the parties hereto
on any number of separate counterparts, each of which shall be an original and all of which taken together shall constitute one and the same instrument. The parties intend that electronically imaged signatures such as .pdf files constitute original
signatures and are binding on all parties. 
 SECTION 10. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED
IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE TO THE CHOICE OF LAW PROVISIONS THEREOF. 
 [SIGNATURE PAGES
FOLLOW] 

  
 3 

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

			
	CREDIT SUISSE FIRST BOSTON MORTGAGE CAPITAL LLC, as Administrative Agent
		
	By:	 	
                     
    

	Name:
	Title:
	
	CREDIT SUISSE AG, Cayman Islands Branch, as a Buyer
		
	By:	 	  

	Name:
	Title:
		
	By:	 	  

	Name:
	Title:

 Signature Page to Amendment No. 4 to Master Repurchase Agreement 

 
			
	 LOANDEPOT.COM, LLC, as Seller

		
	 By:
	 	
              
           

	 Name: Patrick Flanagan

	 Title: Chief Financial Officer

 Signature Page to Amendment No. 4 to Master Repurchase Agreement

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