New York Mortgage Trust 2022 Second Quarter Financial Summary Forward Looking Statements This presentation contains forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are based on our beliefs, assumptions and expectations of our future performance, taking into account all information currently available to us. These beliefs, assumptions and expectations are subject to risks and uncertainties and can ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to ____________ Commission file number 001-32216 NEW YORK MORTGAGE TRUST, INC. (Exact Name of Registrant as Specified in Its Charter) (State or O ...

New York Mortgage Trust, Inc. (NASDAQ:NYMT) Q1 2022 Earnings Conference Call May 4, 2022 11:30 AM ET Company Participants Jason Serrano - President, CEO & Director Kristine Nario-Eng - CFO & Principal Accounting Officer Conference Call Participants Douglas Harter - Crédit Suisse Bose George - KBW Jason Stewart - JonesTrading Institutional Services Christopher Nolan - Ladenburg Thalmann & Co. Eric Hagen - BTIG Operator Good morning, ladies and gentlemen, and thank you for standing by. Welcome to the New York ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ___________________ FORM 10-K ___________________ ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2021 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to ____________ Commission File Number 001-32216 NEW YORK MORTGAGE TRUST, INC. Indicate by check mark whether the registrant (1) ...

New York Mortgage Trust 2021 Fourth Quarter Financial Summary Forward Looking Statements This presentation contains forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forwardlooking statements are based on our beliefs, assumptions and expectations of our future performance, taking into account all information currently available to us. These beliefs, assumptions and expectations are subject to risks and uncertainties and can c ...

Financial Data and Key Metrics Changes - The company generated GAAP earnings per share of $0.06 for Q4 2021, with undepreciated EPS at $0.08 per share, reflecting a $0.02 increase [10][21] - Book value per share ended at $4.70, or $4.74 on an undepreciated basis, down $0.02 from the previous quarter [21][108] - The total rate of return for 2021 was 11.7%, with G&A expenses remaining close to 2% [11][31] - Net interest margin for Q4 was 3.63%, an increase of 38 basis points from the previous quarter [22] Business Line Data and Key Metrics Changes - The company added nearly $800 million in new investments during Q4, setting a record, although earnings did not fully benefit due to timing of asset settlements [12] - Net interest income was $30.8 million, relatively flat compared to the previous quarter, with a slight increase in single-family interest income [24] - Non-interest income totaled $39.3 million, primarily from net unrealized gains of $15.5 million [26] Market Data and Key Metrics Changes - The company noted that housing affordability is close to the long-run average, with mortgage costs at about 23% of first-time homebuyers' income [34] - The supply of homes available for sale was below 1 million units, correlating to 1.8 months of supply in the market, indicating a tight housing market [35] Company Strategy and Development Direction - The core strategy remains unchanged, focusing on short-term bridge loans and taking advantage of market conditions [34] - The company is committed to driving earnings higher by growing its portfolio organically through unencumbered loans [15] - The company has locked in a flow agreement for 50% of production from a large originator in the BPL space, enhancing growth in the single-family sector [38] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the potential for portfolio growth and earnings generation in 2022, with anticipated high investment levels [45] - The company is prepared to take advantage of market volatility and is actively looking for opportunities to acquire assets at lower prices [86] Other Important Information - The company has initiated a $200 million buyback program due to recent market volatility [13] - The company expects to continue reporting undepreciated EPS and book value to reflect the true value of its rental property portfolio [52] Q&A Session Summary Question: Outlook and opportunity in the fix-and-flip space - Management indicated that they expect fix-and-flip volumes to increase due to new agreements and market conditions [57] Question: Comments on offensive posture for new investment opportunities - Management discussed focusing on short-duration products to mitigate interest rate risk and highlighted the potential for higher coupons in the current market [62] Question: Revenue and expenses outlook for operating real estate portfolio - Management expects revenue from JV investments to grow significantly as more investments close [68] Question: Anticipated growth in multifamily capital allocation - Management indicated that multifamily capital allocation is expected to grow opportunistically based on market conditions [72] Question: Changes in loan pricing in 2022 - Management noted an estimated 1.5% loss to book value due to market changes and emphasized a focus on high coupon, short-duration loans [82] Question: Origination volume from BPL rental partnership - Management expects a minimum of $0.5 billion in loans from the partnership in the first year, with potential for growth [89]

New York Mortgage Trust 2021 Third Quarter Financial Summary Forward Looking Statements This presentation contains forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forwardlooking statements are based on our beliefs, assumptions and expectations of our future performance, taking into account all information currently available to us. These beliefs, assumptions and expectations are subject to risks and uncertainties and can ch ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to ____________ Commission file number 001-32216 NEW YORK MORTGAGE TRUST, INC. (Exact Name of Registrant as Specified in Its Charter) Securit ...

Financial Data and Key Metrics Changes - The company reported GAAP earnings per share of $0.10 and comprehensive earnings per share of $0.08, impacted by one-time charges totaling $3.4 million related to the early redemption of preferred stock [7][8] - The investment portfolio totaled $3.3 billion, with a market capitalization of $2.2 billion, reflecting an increase of approximately $100 million in the portfolio [9] - The net interest margin for the third quarter was 3.25%, an increase of 28 basis points from the previous quarter, with funding costs improving by 20 basis points to 3.14% [12] Business Line Data and Key Metrics Changes - The company acquired residential loans for $371 million and funded multi-family joint ventures and mezzanine lending investments for $53 million and $43 million, respectively [14] - Net interest income remained relatively flat at $31 million, with a $1.7 million increase in single-family interest income offset by a $1.5 million decrease in multi-family interest income [16] - Non-interest income was $49.4 million, primarily from net unrealized gains of $30.1 million due to improved pricing on assets [19] Market Data and Key Metrics Changes - The U.S. housing supply deficit remains significant, with only 1.2 million homes available for sale against a need for 5.5 million homes [25] - The company noted that demand continues to outpace supply, leading to expectations of sustained housing credit risks [26] - The multi-family lending sector is experiencing strong demand, particularly in secondary and tertiary markets in the South and Southeast [41] Company Strategy and Development Direction - The company focuses on credit investments to generate better risk-adjusted returns with stable funding [9] - The strategy includes ramping up a $753 million portfolio while maintaining strong credit characteristics [26] - The company aims to leverage technology to enhance efficiency in its operations and compete on multiple dimensions beyond pricing [28] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the ability to navigate the changing financial landscape through long-term financing options [11] - The flattening of the yield curve is seen as a potential opportunity for better pricing in the market, particularly in the RPL space [89] - The company is confident in its ability to grow its asset base and maintain attractive risk-adjusted returns despite market competition [32] Other Important Information - The company declared a $0.10 common stock dividend, with book value remaining unchanged at $4.74 [10][15] - Total general and administrative expenses were $12.5 million, relatively flat compared to the previous quarter [24] Q&A Session Summary Question: Inquiry about the BPL space and competition - Management noted that they have evaluated several acquisition opportunities but are maintaining their operational platform to win business [49] Question: Financing costs and future opportunities - Management indicated that there are still opportunities to reduce overall financing costs through securitizations and callable debt [55][56] Question: Outlook on real estate operating losses - The $5.3 million loss was primarily due to depreciation and amortization, with a focus on value appreciation for future exits [58][60] Question: Discussion on leveraging BPL loans - Management confirmed that they have leveraged BPL loans through a securitization structure, allowing for replenishment as payoffs occur [62] Question: Future asset growth and market conditions - Management expressed confidence in growing the asset base through strategic partnerships and market opportunities, particularly in the multi-family sector [96]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to ____________ Commission file number 001-32216 NEW YORK MORTGAGE TRUST, INC. (Exact Name of Registrant as Specified in Its Charter) (State or Ot ...