AOMR revises financing facility pricing to 1.65%–2.40% range

Rhea-AI Filing Summary

Angel Oak Mortgage REIT, Inc. reported an amendment to the Pricing Side Letter for its loan financing facility with “Global Investment Bank 2.” Effective October 10, 2025, the interest rate pricing spread was revised from a range of 1.75%–3.35% to a lower range of 1.65%–2.40%, with rates determined by collateral type, loan status, dwell time and other factors.

The company attached a Form of Amendment No. 2 as Exhibit 10.1. This update reflects a reset of the facility’s pricing mechanics under Item 8.01.

8-K Event Classification

Item 8.01 — Other Events

1 item

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (date of earliest event reported): October 10, 2025

Angel Oak Mortgage REIT, Inc.

(Exact name of registrant as specified in its charter)

Maryland			001-40495						37-1892154
(State or other jurisdiction of incorporation or organization)			(Commission File Number)						(I.R.S. Employer Identification No.)

3344 Peachtree Road Northeast, Suite 1725, Atlanta, Georgia 30326

(Address of Principal Executive Offices and Zip Code)

Registrant’s telephone number, including area code: (404) 953-4900

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common stock, $0.01 par value per share			AOMR			New York Stock Exchange
9.500% Senior Notes due 2029			AOMN			New York Stock Exchange
9.750% Senior Notes due 2030			AOMD			New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company			☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.			☐

Item 8.01    Other Events.

On October 10, 2025, Angel Oak Mortgage REIT, Inc. (the “Company”) and two of its subsidiaries, amended the Pricing Side Letter of their loan financing facility with a lender, “Global Investment Bank 2.” The interest rate pricing spread was updated from a range of 1.75% to 3.35% to a range of 1.65% to 2.40% , based on collateral type, loan status, dwell time and other factors.

A copy of the Form of Amendment No. 2 to the Pricing Side Letter is attached hereto as Exhibit 10.1 and incorporated herein by reference.

The information contained in this Item 8.01 and the attached Exhibit 99.1 is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section. The information in this Item 8.01 and the attached Exhibit 99.1 shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended, or the Exchange Act, unless it is specifically incorporated by reference therein.

    

Exhibit No.						Description
Exhibit 10.1			+			Form of Amendment No. 2 to the Pricing Side Letter by and among Angel Oak Mortgage REIT, Inc and Global Investment Bank 2 dated October 10, 2025
Exhibit 104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

+ Portions of this exhibit are redacted pursuant to Item 601(b)(10)(iv) of Regulation S-K.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: October 10, 2025									ANGEL OAK MORTGAGE REIT, INC.
									By: /s/ Brandon Filson
									Name: Brandon Filson
									Title: Chief Financial Officer and Treasurer

FAQ

What did Angel Oak Mortgage REIT (AOMD) change in its financing terms?

It amended the Pricing Side Letter for a loan financing facility, lowering the interest rate pricing spread to 1.65%–2.40% from 1.75%–3.35%.

When was the pricing change effective for AOMD?

The amendment was executed on October 10, 2025.

Who is the lender counterparty in AOMD’s amended facility?

The lender is identified as “Global Investment Bank 2”.

What determines the new pricing spread for AOMD’s facility?

Pricing depends on collateral type, loan status, dwell time and other factors.

Where can I find the amendment details for AOMD?

See Exhibit 10.1, the Form of Amendment No. 2 to the Pricing Side Letter.

Does this 8-K indicate any equity or debt issuance by AOMD?

No. It discloses an amendment to a facility pricing side letter under Item 8.01.