纽约抵押信托美股招股说明书(2025-08-22版)

9.875% SENIOR NOTES DUE 2030 We are offering to sell $25,000,000 aggregate principal amount of our 9.875% Senior Notes due 2030directly to certain institutional investors (the “Investors”) pursuant to this prospectus supplement and theaccompanying prospectus and a securities purchase agreement, dated as of August22, 2025, between us andthe Investors (the “Purchase Agreement”), as more fully described herein. The notes offered hereby will bepart of the same series as the $90.0million aggregate principal amount of our 9.875% Senior Notes due2030 that we issued on July8, 2025 (the “initial notes”). The notes offered hereby will have the sameCUSIP number as, and will trade interchangeably with, the initial notes. In this prospectus supplement, werefer to the notes offered hereby and the initial notes together as the “notes.” The notes bear interest at a rate equal to 9.875% per year, payable quarterly in arrears on January1,April1, July1 and October1 of each year, beginning on October1, 2025. The notes will mature onOctober1, 2030. The notes will be issued in minimum denominations of $25 and integral multiples of $25in excess thereof. We may redeem the notes, in whole or in part, at any time on or after October1, 2027 at a redemptionprice equal to 100% of the principal amount redeemed plus accrued and unpaid interest to, but excluding,the redemption date. Upon a Change of Control Repurchase Event, we will be required to make an offer torepurchase all outstanding notes at a price in cash equal to 101% of the principal amount of the notes, plusaccrued and unpaid interest to, but not including, the repurchase date. See “Description of the Notes —Offer to Repurchase Upon a Change of Control Repurchase Event.” The notes will be our senior unsecured obligations and will rank senior in right of payment to anyfuture indebtedness that is expressly subordinated in right of payment to the notes, equal in right of paymentto our existing and future unsecured indebtedness that is not so subordinated, effectively junior to any futuresecured indebtedness to the extent of the value of the assets securing such indebtedness and structurallyjunior to all existing and future indebtedness and any preferred equity of our subsidiaries as well as to anyof our existing or future indebtedness that may be guaranteed by any of our subsidiaries (to the extent of anysuch guarantee). Our 9.875% Senior Notes due 2030 are listed on Nasdaq under the symbol “NYMTH.” The lastreported sale price of our 9.875% Senior Notes due 2030 on Nasdaq on August21, 2025 was $25.30 pernote. The notes are expected to trade “flat,” meaning that purchasers will not pay, and sellers will notreceive, any accrued and unpaid interest on the notes that is not included in the trading price. Investing in the notes involves risks that are described under the caption “Risk Factors” beginning on pageS-5of this prospectus supplement, as well as those described in ourAnnual Report on Form 10-K for the fiscalyear ended December31, 2024andQuarterly Report on Form 10-Q for the quarterly period ended June30,2025and as updated by those risks described in our subsequent filings with the Securities and ExchangeCommission (the “SEC”) under the Securities Exchange Act of 1934, as amended (the “Exchange Act”), whichare incorporated by reference in this prospectus supplement. Offering price (1)There are no underwriting discounts, commissions or brokers fees in connection with this offering andsale. Neither the Securities and Exchange Commission nor any state securities commission has approved ordisapproved of these securities or determined if this prospectus supplement or the accompanying prospectus istruthful or complete. Any representation to the contrary is a criminal offense. Delivery of the notes being offered pursuant to this prospectus supplement and the accompanyingprospectus is expected to occur in book-entry form only through the facilities of The Depository TrustCompany on or about August25, 2025. The date of this prospectus supplement is August22, 2025 TABLE OF CONTENTS PROSPECTUS SUPPLEMENT PageABOUT THIS PROSPECTUS SUPPLEMENTS-iiCAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTSS-ivSUMMARYS-1OUR COMPANYS-1THE OFFERINGS-2RISK FACTORSS-5USE OF PROCEEDSS-8DESCRIPTION OF THE NOTESS-9ADDITIONAL MATERIAL U.S. FEDERAL INCOME TAX CONSIDERATIONSS-17PLAN OF DISTRIBUTIONS-23LEGAL MATTERSS-23EXPERTSS-23WHERE YOU CAN FIND MORE INFORMATIONS-23INCORPORATION BY REFERENCE OF INFORMATION FILED WITH THE SECS-24 PROSPECTUS PageABOUT THIS PROSPECTUS1CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS3OUR COMPANY5RISK FACTORS6USE OF PROCEEDS7DESCRIPTION OF THE SECURITIES WE MAY OFFER8DESCRIPTION OF COMMON STOCK9DESCRIPTION OF PREFERRED STOCK13DESCRIPTION OF DEBT SECURITIES20GLOBAL SECURITIES31CERTAIN PROVISIONS OF MARYLAND LAW AND OUR CHARTER AND BYLAWS32MATERIAL U.S. FEDERAL INCOME TAX CONSIDERATIONS37PLAN OF DISTRIBUTION63CERTAIN LEGAL MATTERS66EXPERTS66WHERE YOU CAN FIND M