Angel Oak Mortgage REIT reduces interest rate spread on financing facility with Global Investment Bank 2

Angel Oak Mortgage REIT, Inc.

Interest rate pricing spread lowered from 1.75%-3.35% to 1.65%-2.40% based on collateral type and loan status.
Amendment effective October 10, 2025; includes updates to Market Value, Pricing Rate, and Purchase Price Percentage definitions.
FICO eligibility threshold amended: mortgage loans with FICO <660 limited to 15% of total asset value.
Amendment also removes HELOCs from eligible mortgage loan definition in Schedule 1.

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