loanDepot, Inc. — fact timeline

loanDepot, Inc. amended Omnibus Amendment No. 2 to Indenture Supplements with loanDepot GMSR Master Trust, Citibank, N.A., Atlas Securitized Products, L.P., and Nexera Holding LLC valued at Extended termination date to November 1, 2023; changed maximum purchase price to $600,000,000; amend (effective 2023-04-28).

“Omnibus Amendment No. 2 to Indenture Supplements On April 28, 2023, loanDepot.com, LLC, a Delaware limited liability company and an indirect subsidiary of loanDepot, Inc. (the “Company”), as administrator and servicer, entered into an Omnibus Amendment No. 2 to the Indenture Supplements (Amendment No. 2”) with loanDepot GMSR Master Trust, as issuer (the “Issuer”), Citibank, N.A, as indenture trustee, Atlas Securitized Products, L.P., as administrative agent (the “Administrative Agent”) and consented to by Nexera Holding LLC, as noteholder of the Series 2017-VF1 Note, Series 2017-MBSADV1 Note, Series 2021-SAVF1 Note and Series 2021-PIAVF1 Note. Under this facility, the Company, through the Issuer, one of its wholly-owned subsidiaries, has issued four outstanding variable funding notes (each, a VFN”) which are secured by Ginnie Mae mortgage servicing rights. Amendment No. 2 amended each of the following Indenture Supplements: (i) that certain Amended and Restated Series 2017-VF1 Indentur”

loanDepot, Inc. amended Amendment Number Two to Credit and Security Agreement with Flagstar Bank, National Association valued at $300,000,000 (effective 2023-04-13).

“On April 13, 2023, the Company, as borrower, entered into Amendment Number Two (“Amendment No 2”) to the Credit and Security Agreement (as amended, restated, supplemented or otherwise modified from time to time, the “Flagstar Credit Agreement”) with Flagstar Bank, National Association, as purchaser of the rights and obligations of Signature Bank, and as administrative agent on behalf of the lenders and as a lender (“Flagstar”), pursuant to which Flagstar provides the Company with a revolving line of credit of $300 million, with an option to increase up to $500 million upon mutual consent, that is secured by certain of the Company’s mortgage servicing rights under the servicing agreement with Freddie Mac and other collateral listed therein.”

loanDepot, Inc. amended Seventeenth Amendment to Credit and Security Agreement with NexBank valued at $185,000,000 (effective 2023-04-13).

“On April 13, 2023, loanDepot.com, LLC, a Delaware limited liability company and an indirect subsidiary of loanDepot, Inc. (the “Company”), as borrower, entered into the Seventeenth Amendment (“Amendment No, 17”) to the Credit and Security Agreement, dated as of October 29, 2014 (as amended, restated, supplemented or otherwise modified from time to time, the “NexBank Credit Agreement”) with NexBank, as lender (“NexBank”) pursuant to which NexBank has extended a revolving line of credit available to the Company that is secured by certain of the Company’s mortgage servicing rights under the servicing agreement with Freddie Mac and other collateral listed in the NexBank Credit Agreement.”

Steven Ozonian was appointed as independent director at loanDepot, Inc..

“On April 4, 2023, pursuant to the terms of the Cooperation Agreement, the Board appointed Mr. Ozonian as an independent director to the Board effective immediately.”

loanDepot, Inc. amended Joint Omnibus Assignment, Assumption and Amendment to VFN Repurchase Documents with Credit Suisse First Boston Mortgage Capital LLC, Credit Suisse AG, Cayman Islands Branch, Atlas Securitized Products, L.P., Nexera Holding LLC valued at Assignment and assumption of rights and obligations under the Series 2017-VF1, Series 2021-SAVF1, an (effective 2023-03-16).

“On March 16, 2023, the Company, as seller, entered into a Joint Omnibus Assignment, Assumption and Amendment No. 3 to the Series 2017-VF1 Repurchase Agreement, Amendment No.2 to the Series 2021-SAVF1 Repurchase Agreement, Amendment No. 1 to the Series 2021-PIAVF1 Repurchase Agreement, Amendment No. 4 to the Series 2017-VF1 Pricing Side Letter, Amendment No.2 to the Series 2021-SAVF1 Pricing Side Letter and the Series 2021-PIAVF1 Pricing Side Letter (the “ Omnibus Amendment ”) with Credit Suisse First Boston Mortgage Capital LLC (the “ Assigning Administrative Agent ”), Credit Suisse AG, Cayman Islands Branch (the “ Assigning Buyer ”), Atlas Securitized Products, L.P. (the “ Assignee Administrative Agent ”), and Nexera Holding LLC (the “ Assignee Buyer ”).”

loanDepot, Inc. amended Omnibus Assignment, Assumption and Amendment to the Master Repurchase Agreement with Credit Suisse First Boston Mortgage Capital LLC, Atlas Securitized Products, L.P. and others valued at Assignment and assumption of rights and obligations under the MRA with substitution of administrativ (effective 2023-03-16).

“On March 16, 2023, loanDepot.com, LLC, a Delaware limited liability company and an indirect subsidiary of loanDepot, Inc. (the “ Company ”), as seller, entered into an Omnibus Assignment, Assumption and Amendment (the “ Amendment ”) to the Master Repurchase Agreement, dated as of March 10, 2017 (as amended, restated, supplemented or otherwise modified from time to time, the “ MRA ”)with Credit Suisse First Boston Mortgage Capital LLC (the “ MRA Assigning Administrative Agent ”), Credit Suisse AG, a company incorporated in Switzerland, acting through its Cayman Islands Branch (an “ MRA Assigning Buyer ”), Alpine Securitization LTD (an “ MRA Assigning Buyer ”), Atlas Securitized Products, L.P. (the “ MRA Assignee Administrative Agent ” and an “ MRA Assignee Buyer ”), Atlas Securitized Products Investments 3, L.P. (an “ MRA Assignee Buyer ”), Atlas Securitized Products Funding 2, L.P. (an “ MRA Assignee Buyer ”), and Nexera Holding LLC (an “ MRA Assignee Buyer ”) pursuant to which (i) the”

loanDepot, Inc. reported year ended December 31, 2022 results: revenue $1,255,796, net income $(610,385), EPS $(1.75).

“% 1.80 % 2.23 % 1.63 % 2.61 % Pull through weighted gain on sale margin (3) 2.21 % 2.03 % 2.81 % 1.94 % 3.07 % Financial Results Total revenue $ 169,655 $ 274,192 $ 705,026 $ 1,255,796 $ 3,724,704 Total expense 343,735 435,125 694,133 1,945,773 3,058,187 Net (loss) income (157,762) (137,482) 14,732 (610,385) 623,146 Diluted (loss) earnings per share $ (0.46) $”

loanDepot, Inc. reported the fourth quarter and year ending December 31, 2022 results: revenue $169,655, net income $(157,762), EPS $(0.46).

“Gain on sale margin (2) 1.45 % 1.80 % 2.23 % 1.63 % 2.61 % Pull through weighted gain on sale margin (3) 2.21 % 2.03 % 2.81 % 1.94 % 3.07 % Financial Results Total revenue $ 169,655 $ 274,192 $ 705,026 $ 1,255,796 $ 3,724,704 Total expense 343,735 435,125 694,133 1,945,773 3,058,187 Net (loss) income (157,762) (137,482) 14,732 (610,385) 623,146 Diluted (loss)”

loanDepot, Inc. amended Sixth Amendment to Amended and Restated Master Repurchase Agreement with TIAA, FSB and Signature Bank valued at Extended termination date to December 28, 2023; added second lien loans and first lien HELOCs as eli (effective 2022-12-30).

“Item 1.01. Entry into a Material Definitive Agreement. On December 30, 2022, loanDepot.com, LLC, a Delaware limited liability company and an indirect subsidiary of loanDepot, Inc. (the “Company”), as seller, entered into the Sixth Amendment (the “Sixth Amendment”) to the Amended and Restated Master Repurchase Agreement and the Amended and Restated Pricing Letter, each dated as of November 15, 2021, with TIAA, FSB (“TIAA Bank”), formerly known as EverBank, as a buyer and as administrative agent (in such capacity, the “Administrative Agent”) for the Buyers and Signature Bank (“Signature Bank”), as a buyer (together with TIAA Bank, the “Buyers”) pursuant to which the Company may sell to the Buyers and later repurchase certain residential mortgage loans. The primary purposes of the Sixth Amendment are to: (a) extend the termination date to December 28, 2023; (b) add second lien loans (including home equity lines of credit) and first lien home equity lines of credit as eligible collateral;”

loanDepot, Inc. amended Amendment No.16 with NexBank valued at $200,000,000 (effective 2022-12-22).

“On December 22, 2022, the Company, as borrower, entered into the Sixteenth Amendment (“Amendment No. 16”) to the Credit and Security Agreement, dated as of October 29, 2014 (as amended, restated, supplemented or otherwise modified from time to time, the “NexBank Credit Agreement”) with NexBank, as lender (the “Lender”) pursuant to which the Lender has extended a revolving line of credit to the Company that is secured by certain of the Company’s mortgage servicing rights under the servicing agreement with Freddie Mac and other collateral listed in the NexBank Credit Agreement.”

loanDepot, Inc. amended Amendment No. 1 with Signature Bank valued at $300 million (effective 2022-12-20).

“On December 20, 2022, loanDepot.com, LLC, a Delaware limited liability company and an indirect subsidiary of loanDepot, Inc. (the “Company”), as borrower, entered into Amendment Number 1 (“Amendment No. 1”) to the Credit and Security Agreement, dated as of December 22, 2021 (as amended, restated, supplemented or otherwise modified from time to time, the “Credit Agreement”) with Signature Bank, as administrative agent on behalf of the lenders (in such capacity, the “Administrative Agent”) and Signature Bank, as a lender (the “Lender”), pursuant to which the Lender provides the Company with a revolving line of credit of $300 million, with an option to increase up to $500 million upon mutual consent, that is secured by certain of the Company’s mortgage servicing rights under the servicing agreement with Freddie Mac and other collateral listed therein.”

loanDepot, Inc. amended Sixteenth Amendment with NexBank valued at $200,000,000 (effective 2022-12-22).

“On December 22, 2022, the Company, as borrower, entered into the Sixteenth Amendment (“Amendment No. 16”) to the Credit and Security Agreement, dated as of October 29, 2014 (as amended, restated, supplemented or otherwise modified from time to time, the “NexBank Credit Agreement”) with NexBank, as lender (the “Lender”) pursuant to which the Lender has extended a revolving line of credit to the Company that is secured by certain of the Company’s mortgage servicing rights under the servicing agreement with Freddie Mac and other collateral listed in the NexBank Credit Agreement. The primary purpose of Amendment No,16 is change the definition of “Revolving Credit Note” to reference the Nineteenth Amended and Restated Promissory Note, dated as of December 22, 2022, in the amount of $200,000,000, made by the Company in favor of the Lender.”

loanDepot, Inc. amended Amendment Number 1 with Signature Bank valued at $300 million (effective 2022-12-20).

“On December 20, 2022, loanDepot.com, LLC, a Delaware limited liability company and an indirect subsidiary of loanDepot, Inc. (the “Company”), as borrower, entered into Amendment Number 1 (“Amendment No. 1”) to the Credit and Security Agreement, dated as of December 22, 2021 (as amended, restated, supplemented or otherwise modified from time to time, the “Credit Agreement”) with Signature Bank, as administrative agent on behalf of the lenders (in such capacity, the “Administrative Agent”) and Signature Bank, as a lender (the “Lender”), pursuant to which the Lender provides the Company with a revolving line of credit of $300 million, with an option to increase up to $500 million upon mutual consent, that is secured by certain of the Company’s mortgage servicing rights under the servicing agreement with Freddie Mac and other collateral listed therein. Along with certain technical changes the primary purpose of Amendment No.1 is to extend the termination date to December 20, 2023.”

loanDepot, Inc.: Amended bylaws to require compliance with Rule 14a-19 for director nominations and remove requirement to produce stockholder list at meetings (effective 2022-11-10).

“On November 10, 2022, the board of directors of loanDepot, Inc., a Delaware corporation (the “ Company ”), adopted the Company’s amended and restated bylaws (the “ Amended Bylaws ”), effective as of such date.”

loanDepot, Inc. amended credit facility with JPMorgan Chase Bank, National Association maturing November 9, 2023.

“The Amended MLPSA and the ancillary agreements extended the expiration date of the Warehouse Facility to November 9, 2023.”

loanDepot, Inc. terminated Master Repurchase Agreement with J.V.B. Financial Group, LLC valued at Terminated $750 million Master Repurchase Agreement; no borrowings outstanding and no termination pe (effective 2022-11-14).

“On November 14, 2022, loanDepot.com, LLC, a Delaware limited liability company and an indirect subsidiary of loanDepot, Inc. (the “Company”), reduced its funding capacity based on current and projected mortgage loan originations by terminating its Master Repurchase Agreement, dated as of November 25, 2019 (the “MRA”) with J.V.B. Financial Group, LLC (the “JVB Financing Facility”).”

loanDepot, Inc. amended Amended and Restated Mortgage Loan Participation Sale Agreement with JPMorgan Chase Bank, National Association valued at Extended expiration date of Warehouse Facility to November 9, 2023 (effective 2022-11-10).

“On November 10, 2022, loanDepot.com, LLC, a Delaware limited liability company and an indirect subsidiary of loanDepot, Inc. (the “Company”), as seller, entered into the Amended and Restated Mortgage Loan Participation Sale Agreement with JPMorgan Chase Bank, National Association (the “Purchaser”), as purchaser (the “Amended MLPSA”), along with certain ancillary agreements , pursuant to which the Company may sell to the Purchaser participation interests in certain designated pools of fully amortizing first lien residential mortgage loans eligible to back securities and, at a later date, cause such mortgage loans to back a security issued by the Company, which will be delivered to the Purchaser (the “Warehouse Facility”).”

loanDepot, Inc. reported third quarter ended September 30, 2022 results: revenue $274,192, net income $(137,482), EPS $(0.37).

“Gain on sale margin (2) 1.80 % 1.16 % 2.84 % 1.66 % 2.71 % Pull through weighted gain on sale margin (3) 2.03 % 1.50 % 2.99 % 1.92 % 3.13 % Financial Results Total revenue $ 274,192 $ 308,639 $ 923,756 $ 1,086,141 $ 3,019,678 Total expense 435,125 560,657 744,771 1,602,038 2,364,054 Net (loss) income (137,482) (223,822) 154,277 (452,623) 608,414 Diluted”

loanDepot, Inc. amended Third Amended and Restated Master Repurchase Agreement with Jefferies Funding LLC valued at $400.00 million (effective 2022-10-28).

“On October 28, 2022, loanDepot.com, LLC, a Delaware limited liability company and an indirect subsidiary of loanDepot, Inc. (the “Company”), as seller, entered into the Third Amended and Restated Master Repurchase Agreement with Jefferies Funding LLC (“Buyer”) , as buyer (the “Amended MRA”), along with certain ancillary agreements , pursuant to which the Company may sell to the Buyer, and later repurchase, the Company’s beneficial right title and interest in and to certain residential mortgage loans (the “Jefferies Warehouse Facility”).”

Anthony Hsieh was appointed as Executive Chairman at loanDepot, Inc..

“Mr. Hsieh was appointed Executive Chairman of the Company, effective April 27, 2022.”

Frank Martell was appointed as President and Chief Executive Officer at loanDepot, Inc..

“the Company announced the appointment of Frank Martell as the Company’s President and Chief Executive Officer, effective April 27, 2022.”

Pamela Hughes Patenaude was appointed as Class II director at loanDepot, Inc..

“On July 28, 2021, the Board of Directors (“ Board ”) of loanDepot, Inc. (“ loanDepot ” or the “ Company ”) appointed Michael Linton, age 64, and Pamela Hughes Patenaude, age 60, as a Class I and a Class II member of the Company’s Board, respectively, with immediate effect.”

Michael Linton was appointed as Class I director at loanDepot, Inc..

“On July 28, 2021, the Board of Directors (“ Board ”) of loanDepot, Inc. (“ loanDepot ” or the “ Company ”) appointed Michael Linton, age 64, and Pamela Hughes Patenaude, age 60, as a Class I and a Class II member of the Company’s Board, respectively, with immediate effect.”