Results of Operations and Financial Condition,” including Exhibits 99.1 and 99.2 hereto, 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 such section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by speci…

Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing. On July 24, 2026, Lument Finance Trust, Inc. (the “Company”) received notice (the “Notice”) from the New York Stock Exchange (the “NYSE”) that the Company is not in compliance with Section 802.01C of the NYSE Listed Company Manual because the average closing price of the Company’s common stock was less than $1.00 over a consecutive 30 trading-day period. The notice is a notice of deficiency, n…

Regulation FD Disclosure. On June 10, 2026, the Company issued a press release announcing the declaration of a cash dividend of $0.04 per share of common stock, as further described in the dividend press release. LFT also announced a cash dividend of $0.4921875 per share of 7.875% Cumulative Redeemable Series A Preferred Stock, as further described in the dividend press release. A copy of the dividend press release is furnished herewith as Exhibit 99.1 to this Form 8-K. The information disclo…

Results of Operations and Financial Condition,” including Exhibits 99.1 and 99.2 hereto, 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 such section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by speci…

Results of Operations and Financial Condition,” including Exhibits 99.2 and 99.3 hereto, 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 such section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by speci…

Regulation FD Disclosure. On March 19, 2026, the Company issued a press release announcing the declaration of a cash dividend of $0.04 per share of common stock, as further described in the dividend press release. The Company also announced a cash dividend of $0.4921875 per share of 7.875% Cumulative Redeemable Series A Preferred Stock, as further described in the dividend press release. A copy of the dividend press release is furnished herewith as Exhibit 99.1 to this Form 8-K. The informati…

Creation of a Direct Financial Obligation or an Obligation under an Off Balance Sheet Arrangement of a Registrant. The information included in

Entry into a Material Definitive Agreement. On February 17, 2026, Lument Finance Trust, Inc. (the “Company”), as borrower, and its subsidiaries, Five Oaks Acquisition Corp. and Lument CMT Equity, LLC, each as a guarantor (together, the “Guarantors”), Cortland Capital Market Services LLC, as the administrative agent and collateral agent (the “Agent”), and the lenders party thereto, entered into an amendment (the “Fifth Amendment”) to the Credit and Guaranty Agreement, dated January 15, 2019, a…

Regulation FD Disclosure. On December 10, 2025, the Company issued a press release announcing the closing of the commercial real estate mortgage securitization disclosed in Items 1.01 and 2.03 of this Form 8-K, a copy of which is furnished herewith as Exhibit 99.1. On December 11, 2025, the Company issued a press release announcing the declaration of a cash dividend of $0.04 per share of common stock, as further described in the dividend press release. The Company also announced a cash divide…

Creation of a Direct Financial Obligation or an Obligation under an Off Balance Sheet Arrangement of a Registrant. Commercial Real Estate Collateralized Loan Obligation The aggregate principal amounts of the following eight classes of Notes (each, a “Class”) were issued pursuant to the terms of the Indenture: (1) approximately $378.4 million aggregate principal amount of Class A Senior Secured Floating Rate Notes (“Class A Notes”); (2) approximately $86.3 million aggregate principal amount of…

The proceeds of the sale of the Notes were used to purchase a portfolio of collateral interests, repay borrowings under LFT’s current credit facilities, fund the Securitization reinvestment proceeds account and pay transaction expenses. Credit Facility On December 10, 2025, LCMT NPL Warehouse, LLC (“Parent Borrower”), an indirect wholly owned subsidiary of the Company, entered into a loan agreement (the “Loan Agreement”) with Northeast Bank (the “Lender”). The Loan Agreement provides for up t…

Entry into a Material Definitive Agreement. On November 24, 2025, Lument Commercial Mortgage Trust (“Purchaser”), an indirect wholly owned subsidiary of Lument Finance Trust, Inc. (the “Company”), entered into a Forward Purchase Agreement with Lument Structured Finance, LLC (“LSF” or the “Seller”), an affiliate of Lument Investment Management, LLC, the Company’s external manager, to purchase seven mortgage assets (“Mortgage Assets”), with an aggregate unpaid principal balance of $135.6 millio…

Results of Operations and Financial Condition,” including Exhibits 99.1 and 99.2 hereto, 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 such section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by speci…

Creation of a Direct Financial Obligation or an Obligation under an Off Balance Sheet Arrangement of a Registrant. The information included in

Entry into a Material Definitive Agreement. On November 3, 2025, LCMT Warehouse, LLC (“Seller”), an indirect wholly owned subsidiary of Lument Finance Trust, Inc. (the “Company”), entered into an Uncommitted Master Repurchase Agreement (the “Repurchase Agreement”) with JPMorgan Chase Bank, National Association (“JPM” or “Buyer”). The Repurchase Agreement provides up to $450 million to finance first mortgage loans, controlling loan participations and other commercial mortgage loan debt instrum…

Regulation FD Disclosure. On September 16, 2025, Lument Finance Trust, Inc. (the “Company”) issued a press release announcing the declaration of a cash dividend of $0.04 per share of common stock with respect to the third quarter of 2025, as further described in the dividend press release. The Company also announced a cash dividend of $0.4921875 per share of 7.875% Cumulative Redeemable Series A Preferred Stock, as further described in the dividend press release. A copy of the dividend press…

Results of Operations and Financial Condition,” including Exhibits 99.1 and 99.2 hereto, 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 such section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by speci…

Regulation FD Disclosure. On June 20, 2025, Lument Finance Trust, Inc. (the “Company”) issued a press release announcing the declaration of a cash dividend of $0.06 per share of common stock with respect to the second quarter of 2025, as further described in the dividend press release. The Company also announced a cash dividend of $0.4921875 per share of 7.875% Cumulative Redeemable Series A Preferred Stock, as further described in the dividend press release. A copy of the dividend press rele…

Results of Operations and Financial Condition,” including Exhibits 99.1 and 99.2 hereto, 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 such section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by speci…

President — James J. Henson: Mr. James J. Henson is retiring as President, and Greg D. Calvert has been appointed to replace him.

Regulation FD Disclosure. In the Release, the Company announced the declaration of a cash dividend of $0.08 per share of common stock with respect to the first quarter of 2025, as further described in the Release. The Company also announced a cash dividend of $0.4921875 per share of 7.875% Cumulative Redeemable Series A Preferred Stock, as further described in the Release. In the Release, the Company also announced the resignation and appointment described in

Results of Operations and Financial Condition,” including Exhibits 99.1 and 99.2 hereto, 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 such section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by speci…

Regulation FD Disclosure. On December 12, 2024, Lument Finance Trust, Inc. (the “Company”) issued a press release announcing the declaration of a cash dividend of $0.08 per share of common stock with respect to the fourth quarter of 2024 and a special cash dividend of $0.09 per share of common stock, as further described in the dividend press release. The Company also announced a cash dividend of $0.4921875 per share of 7.875% Cumulative Redeemable Series A Preferred Stock, as further describ…

Results of Operations and Financial Condition,” including Exhibits 99.1 and 99.2 hereto, 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 such section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as shall be expressly set forth by speci…

Regulation FD Disclosure. On September 16, 2024, Lument Finance Trust, Inc. (the “Company”) issued a press release announcing the declaration of a cash dividend of $0.08 per share of common stock, as further described in the dividend press release. The Company also announced a cash dividend of $0.4921875 per share of 7.875% Cumulative Redeemable Series A Preferred Stock, as further described in the dividend press release. A copy of the dividend press release is furnished herewith as Exhibit 9…