Company: RWT-PA
Filing Date: 2025-01-16
Form Type: 424B5
Source: 0001104659-25-004099
Chunk: 53

Company: REDWOOD TRUST INC
Filing Date: 2025-01-16
Form: 424B5
Chunk 53
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 changing benchmark interest rates, and the Federal Reserve’s actions and statements regarding
monetary policy; our ability to compete successfully; strategic business and capital deployment decisions we make; our use of financial
leverage; our exposure to a breach of our cybersecurity or data security; our exposure to credit risk and the timing of credit losses
within our portfolio; the concentration of the credit risks we are exposed to, including due to the structure of assets we hold, the
geographical concentration of real estate underlying assets we own, and our exposure to environmental and climate-related risks; the
efficacy and expense of our efforts to manage or hedge credit risk, interest rate risk, and other financial and operational risks; changes
in credit ratings on assets we own and changes in the rating agencies’ credit rating methodologies; changes in interest rates;
changes in mortgage prepayment rates; our ability to redeploy our available capital into new investments; interest rate volatility, changes
in credit spreads, and changes in liquidity in the market for real estate securities and loans; our ability to finance the acquisition
of real estate-related assets with short-term debt; changes in the value of assets we own; the ability of counterparties to satisfy their
obligations to us; our exposure to the discontinuation of LIBOR; our exposure to liquidity risk, risks associated with the use of leverage,
and market risks; changes in the demand from investors for residential and business purpose mortgages and investments, and our ability
to distribute residential and business purpose mortgages through our whole-loan distribution channel; our involvement in securitization
transactions, the profitability of those transactions, and the risks we are exposed to in engaging in securitization transactions; exposure
to claims and litigation, including litigation arising from our involvement in loan origination and securitization transactions; whether
we have sufficient liquid assets to meet short-term needs; our ability to successfully retain or attract key personnel; our ability to
adapt our business model and strategies to changing circumstances; changes in our investment, financing, and hedging strategies and new
risks we may be exposed to if we expand our business activities; our exposure to a disruption of our technology infrastructure and systems;
our failure to maintain appropriate internal controls over financial reporting and disclosure controls and procedures; the impact on
our reputation that could result from our actions or omissions or from those of others; the termination of our captive insurance subsidiary’s
membership in the Federal Home Loan Bank and the implications for our income generating abilities; our failure to comply