Company: MFAN
Filing Date: 2025-05-30
Form Type: 11-K
Source: 0001055160-25-000011
Chunk: 0

Company: MFA FINANCIAL, INC.
Filing Date: 2025-05-30
Form: 11-K
Chunk 0
---
### UNITED STATES

### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549
<div align='center'>_____________________________________________</div>

#### FORM 11-K
(Mark One)

#### x
ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

#### For the fiscal year ended December 31, 2024

#### or

#### o
TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

#### For the transition period from to

#### Commission File Number: 1-13991
A. Full title of the plan and the address of the plan, if different from that of the issuer named below:

#### MFA FINANCIAL, INC. 401(k) SAVINGS PLAN
B. Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:

#### MFA FINANCIAL, INC.

#### One Vanderbilt Ave., 48th Floor

#### New York, New York 10017

#### MFA FINANCIAL, INC. 401(K) SAVINGS PLAN

### Financial Statements and Supplemental Schedules

### TABLE OF CONTENTS
|                                                                                                |     | Page |
| Financial Statements                                                                           |     |      |
| Report of Independent Registered Public Accounting Firm                                        |     |    3 |
| Statements of Net Assets Available for Benefits as of December 31, 2024and December 31, 2023   |     |    4 |
| Statement of Changes in Net Assets Available for Benefits for the Year Ended December 31, 2024 |     |    5 |
| Notes to theFinancial Statements                                                               |     |    6 |
| Supplemental Schedules                                                                         |     |      |
| Schedule of Assets Heldas of December 31, 2024                                                 |     |   12 |
| Schedule of DelinquentParticipant Contributions for theYear Ended December 31, 2024            |     |   18 |
| Exhibit Index                                                                                  |     |      |
| Exhibit Index                                                                                  |     |   19 |
| Signature                                                                                      |     |      |
| Signature                                                                                      |     |   19 |

| 2 |

<div align='center'>Report of Independent Registered Public Accounting Firm</div>

To the Plan Administrator, Participants and Beneficiaries

of the MFA Financial Inc. 401(k)