Company: MFAN
Filing Date: 2025-05-30
Form Type: 11-K
Source: 0001055160-25-000011
Chunk: 2

Company: MFA FINANCIAL, INC.
Filing Date: 2025-05-30
Form: 11-K
Chunk 2
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 contributions for the year ended December 31, 2024 has been subjected to audit procedures performed in conjunction with the audits of the Plan's financial statements. The supplemental information is the responsibility of the Plan’s management. Our audit procedures included determining whether the supplemental information reconciles to the financial statements or the underlying accounting and other records, as applicable, and performing procedures to test the completeness and accuracy of the information presented in the supplemental information. In forming our opinion on the supplemental information, we evaluated whether the supplemental information, including its form and content, is presented in conformity with the Department of Labor's Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974. In our opinion, the supplemental information is fairly stated, in all material respects, in relation to the financial statements as a whole.

EisnerAmper LLP

We have served as the Plan’s auditor since 2023.

/s/ EisnerAmper LLP

EISNERAMPER LLP

New York, New York

May 30, 2025

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

### STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS
| Assets                                        |     | December 31, 
 2024         |            |     | 2023 |            |
|:----------------------------------------------|:----|:-------------|-----------:|:----|:-----|-----------:|
| Investments, at fair value                    |     | $            | 34,321,752 |     | $    | 26,481,074 |
| Cash equivalents including money market funds |     |              |  1,111,169 |     |      |  1,194,359 |
| Receivables:                                  |     |              |            |     |      |            |
| Participants’ contributions                   |     | $            |     47,550 |     | $    |     83,003 |
| Employer contributions                        |     |              |    213,734 |     |      |    221,376 |
| Notes receivable from participants            |     |              |    300,107 |     |      |    132,010 |
| Total Receivables                             |     | $            |    561,391 |     | $    |    436,389 |
| Total Assets                                  |     | $            | 35,994,312 |     | $    |