NEW YORK MORTGAGE TRUST INC. COMMON STOCK

NEW YORK MORTGAGE TRUST, INC.

90 PARK AVENUE 23RD FLOOR, NEW YORK, NY, 10016

This Schedule 13D is filed as a joint statement by the Reporting Persons (as defined below) 1. Howard Amster 2. Howard Amster 2019 Charitable Remainder Unitrust #1 U/A DTD 05/20/2019 3. Howard Amster 2019 Charitable Remainder Unitrust #2 U/A DTD 05/20/2019 4. Howard Amster 2019 Charitable Remainder Unitrust #3 U/A DTD 05/20/2019 5. Howard Amster 2019 Charitable Remainder Unitrust #4 U/A DTD 05/20/2019 6. Howard Amster 2019 Charitable Remainder Unitrust #7 U/A DTD 05/20/2019 7. Howard Amster 2021 Charitable Remainder Unitrust #3 U/A DTD 05/20/2019 8. Amster Limited Partnership 9. Laughlin Holdings LLC 10. Pleasant Lake Apartments Limited Partnership 11. Ramat Securities LTD 12. Pleasant Lake Apartments Corp 13. Howard Amster 2022 Charitable Remainder Unitrust #3 U/1 DTD 03/09/2022 14. Howard Amster Foundation 15. NewAx Inc. 16. Pleasant Lake Skoien Investments LLC 17. Howard Amster 2019 Charitable Remainder Unitrust #5 U/A DTD 05/20/2019 18. Howard Amster 2021 Charitable Remainder Unitrust #1 U/A DTD 08/10/2021 19. Howard Amster 2021 Charitable Remainder Unitrust #2 U/A DTD 08/10/2021 20. Howard Amster and Tamra Gould Charitable Remainder Unitrust U/A DTD 03/18/1993 21. Howard Amster Charitable Remainder Unitrust U/A DTD 04/22/1998 22. Howard Amster Charitable Remainder Unitrust U/A DTD 01/11/2005 (together, the Reporting Persons). Further information regarding the Reporting Persons is set forth below. The Reporting Persons are making this single, joint filing because they may be deemed a group within the meaning of Section 13(d)(3) of the Securities Exchange Act of 1934 as amended (the Act)., however, this filing shall not be deemed an affirmation that such a group exists for the purposes of the Act or for any other purpose, and each Reporting Person expressly disclaims beneficial ownership of any securities owned or directly held by any other person. The agreement among the Reporting Persons to file jointly is attached herto as Exhibit 99.1

The principal business address of each of the Reporting Persons is 290 North Olive #523 West Palm Beach, FL 33401-5570

In addition to his investment-related activities, Mr. Amster serves as President of Pleasant Lake Apartments Corp., which is the General Partner of Pleasant Lake Apartments Limited Partnership, which is the Manager of Laughlin Holdings, LLC. Mr. Amster is a director and the majority shareholder of NewAx Inc.. Mr. Amster serves as the sole trustee of the following trusts: (A) the Howard Amster 2019 Charitable Remainder Unitrust #1 U/A DTD 05/20/2019, (B) the Howard Amster 2019 Charitable Remainder Unitrust #2 U/A DTD 05/20/2019, (C) the Howard Amster Charitable Remainder Unitrust #3 U/A DTD 05/20/2019, (D) the Howard Amster Charitable Remainder Unitrust #4 DTD 05/20/2019, (E) the Howard Amster 2019 Charitable Remainder Unitrust #7 U/A 05/20/219, (F) the Howard Amster 2021 Charitable Remainder Unitrust #3 U/A DTD 11/23/2021, (G) the Howard Amster 2022 Charitable Remainder Unitrust #1 U/A 03/09/2022 (H) The Howard Amster 2019 Charitable Remainder Unitrust #5 U/A DTD 05/20/2019 (I)The Howard Amster 2021 Charitable Remainder Unitrust #1 U/A DTD 08/10/2021, (J) The Howard Amster 2021 Charitable Remainder .Unitrust #2 U/A DTD 08/10/2021, (K) the Howard Amster and Tamra Gould Charitable Remainder Unitrust U/A DTD 03/18//1993,(K) the Howard Amster Charitable Remainder Unitrust U/A 04/22/1998, and (L) the Howard Amster Charitable Remainder Unitrust U/A DTD 01/11/2005 Mr. Howard Amster also is (M) the general partner of Amster Limited Partnership, (N) the majority owner of Ramat Securities, Ltd. and (O) President of the Howard Amster Foundation. All Reporting Persons are engaged in investments.

During the last five years, no Reporting Person has been a party to a civil proceeding of a judicial or administrative body of competent jurisdiction as a result of which proceeding such Reporting Person is or was subject to a judgment, decree, or final order enjoining future violations of, or prohibiting or mandating activities subject to, federal or state securities laws or finding any violation with respect to such laws.

All natural Reporting Persons are United States citizens. All Reporting Persons that are entities are entities organized or formed under the laws of the State of Ohio other than Laughlin Holdings, LLC and Pleasant Lake Skoien Investments LLC, which is are Delaware limited liability companies, and NewAx Inc. which is a Delaware corporation

See Items 11 and 13 of the cover pages of this Schedule 13D, which Items are incorporated herein by reference, for the aggregate number of shares and percentage of the Common Stock identified pursuant to Item 1 beneficially owned by each of the Reporting Persons.

See items 7, 8, 9, and 10 of the cover pages to this Schedule 13D, which Items are incorporated herein by reference, for the aggregate number and percentage of the shares of the Common Stock beneficially owned by each of the Reporting Persons as to which there is sole or shared power to vote or direct the vote and sole or shared power to dispose or to direct the disposition of such shares of the Common Stock.

) The following table sets forth all transactions with respect to shares of the Common Stock effected during the past sixty (60) days by any of the Reporting Persons, inclusive of any transactions effected through 5:00 p.m., New York City time, on February 25, 2025. All transactions were purchases and were conducted on the open market. If the shares were purchased in multiple transactions on a single trading day, the price per share reported is the weighted average price. Date Shares Purchased Per Share Total Price Purchaser 01/22/25 11,816 $5.94 $70,212 Pleasant Lake Apartments LP 01/22/25 10,000 $5.98 $59,795 Pleasant Lake Skoien Investments LLC 01/23/25 25,000 $5.95 $148,694 Howard Amster 02/20/25 600,000 $6.13 $3,680,296 Howard Amster For Purchases by Pleasant Lake Apartments LP on 01/22/25, the High Price was $5.94 and the Low Price was $5.94 For Purchases by Pleasant Lake Skoien Investments on 01/22/25, the High Price was $5.98 and the Low Price was $5.98 For Purchases by Howard Amster on 01/23/25, the High Price was $5.95 and the Low Price was $5.94 For Purchases by Howard Amster on 02/20/25, the High Price was $6.38 and the Low Price was $5.69

Other than the Reporting Persons, no other person is known by the Reporting Persons to have the right to receive or direct the receipt of dividends from, or the proceeds from the sale of, the shares of the Common Stock of the Issuer beneficially owned by the Reporting Persons.

Not Applicable.