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  4. [8-K] Angel Oak Mortgage REIT, Inc. Reports Material Event

Angel Oak Mortgage REIT (NYSE: AOMD) cuts spread on loan facility

Filing Impact
(Moderate)
Filing Sentiment
(Neutral)
Form Type
8-K

Rhea-AI Filing Summary

Angel Oak Mortgage REIT, Inc. has extended a loan financing facility with a lender referred to as “Multinational Bank 1.” The facility, which had been scheduled to mature on June 25, 2026, is now extended through September 25, 2026 under an arrangement that contemplates rolling three‑month renewals.

As part of this extension, the interest rate pricing spread on the facility was reduced to a range from 1.30% to 2.10%, compared with the prior range from 1.65% to 2.10%. This modestly lowers the company’s borrowing cost on this facility while keeping short‑term financing in place.

Positive

  • None.

Negative

  • None.

Insights

Short-term facility extension with slightly cheaper pricing; modest impact.

Angel Oak Mortgage REIT, Inc. extended a loan financing facility with “Multinational Bank 1” from June 25, 2026 to September 25, 2026, under a framework that contemplates rolling three‑month renewals. This helps maintain access to secured funding for its mortgage-related assets.

The interest rate pricing spread was reduced from a range of 1.65%–2.10% to 1.30%–2.10%, trimming borrowing costs on this facility. The change is incremental rather than transformative, as the upper end of the range is unchanged and the term remains short.

Overall, this is a routine capital markets update that slightly improves funding terms but does not by itself alter the broader risk profile. Future filings may describe whether similar pricing or term improvements are obtained on other financing lines.

Item 8.01 Other Events Other
Voluntary disclosure of events the company deems important to shareholders but not covered by other items.
New pricing spread range 1.30%–2.10% Interest rate pricing spread after extension of loan financing facility
Prior pricing spread range 1.65%–2.10% Interest rate pricing spread before facility extension
Facility new expiration date September 25, 2026 Loan financing facility maturity extended from June 25, 2026
Senior notes coupon 2029 9.500% Coupon rate on Senior Notes due 2029 listed on NYSE as AOMN
Senior notes coupon 2030 9.750% Coupon rate on Senior Notes due 2030 listed on NYSE as AOMD
loan financing facility financial
"extended their loan financing facility with a lender, “Multinational Bank 1”"
rolling three-month renewals financial
"in accordance with the terms of the agreement, which contemplates rolling three-month renewals"
interest rate pricing spread financial
"the interest rate pricing spread was reduced to a range from 1.30% to 2.10%"
Emerging growth company regulatory
"Emerging growth company | |"
An emerging growth company is a recently public or smaller public firm that qualifies for temporary, lighter regulatory and disclosure rules to reduce the cost and effort of being public. For investors, it means the company may provide less historical financial detail and face fewer reporting requirements than larger firms, so it can grow more quickly but also carries higher uncertainty—like buying a promising early-stage product with fewer user reviews.
Senior Notes due 2030 financial
"9.750% Senior Notes due 2030 | AOMD | New York Stock Exchange"

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FAQ

What did Angel Oak Mortgage REIT (AOMD) announce in this 8-K filing?
Angel Oak Mortgage REIT, Inc. reported that it extended a loan financing facility with a lender called “Multinational Bank 1” and adjusted its interest rate pricing spread. The disclosure appears under Item 8.01, which covers other events important to shareholders.

How long was the loan financing facility for Angel Oak Mortgage REIT extended?
The loan financing facility’s expiration moved from June 25, 2026 to September 25, 2026. The agreement also contemplates rolling three-month renewals, meaning the facility may continue to be extended in similar short increments if both parties agree.

How did the interest rate pricing spread change for Angel Oak Mortgage REIT’s facility?
The interest rate pricing spread on the facility was reduced to a range from 1.30% to 2.10%. Previously, the spread had ranged from 1.65% to 2.10%, so the lower end of the range declined by 0.35 percentage points, easing borrowing costs somewhat.

Who is the lender on Angel Oak Mortgage REIT’s extended loan financing facility?
The lender on the extended loan financing facility is identified as “Multinational Bank 1.” The filing does not provide additional details about this lender but clarifies that the facility’s terms, including rolling three-month renewals, continue under the existing agreement framework.

Does this Angel Oak Mortgage REIT update affect its liability under securities laws?
The company states the information in this Item 8.01 is being furnished, not filed, under the Exchange Act. As a result, it is not subject to Section 18 liability and is not automatically incorporated into securities offerings unless specifically referenced.

Which Angel Oak securities are listed on the New York Stock Exchange?
The filing lists common stock with a par value of $0.01 per share, trading under symbol AOMR, and two series of senior notes: 9.500% Senior Notes due 2029 (AOMN) and 9.750% Senior Notes due 2030 (AOMD), all traded on the New York Stock Exchange.
0001766478false00017664782026-06-252026-06-250001766478us-gaap:CommonStockMember2026-06-252026-06-250001766478aomr:A9.500SeniorNotesDue2029Member2026-06-252026-06-250001766478aomr:A9.750SeniorNotesDue2030Member2026-06-252026-06-25

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): June 25, 2026

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.)

980 Hammond Drive, Suite 200, Atlanta, Georgia 30328
(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 classTrading Symbol(s)Name of each exchange on which registered
Common stock, $0.01 par value per shareAOMRNew York Stock Exchange
9.500% Senior Notes due 2029AOMNNew York Stock Exchange
9.750% Senior Notes due 2030AOMDNew 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 June 25, 2026, Angel Oak Mortgage REIT, Inc. (the “Company”) and two of its subsidiaries, extended their loan financing facility with a lender, “Multinational Bank 1” in accordance with the terms of the agreement, which contemplates rolling three-month renewals. The loan financing facility had previously been set to expire on June 25, 2026, and has been extended through September 25, 2026. In addition, the interest rate pricing spread was reduced to a range from 1.30% to 2.10%; prior to this extension, the interest rate pricing spread was a range from 1.65% to 2.10%.

The information contained in this Item 8.01 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 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 104Cover Page Interactive Data File (embedded within the Inline XBRL document)





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: June 29, 2026
ANGEL OAK MORTGAGE REIT, INC.
By: /s/ Brandon Filson
Name: Brandon Filson
Title: Chief Financial Officer and Treasurer


Source: View Original Filing on SEC EDGAR

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