Company: MFAN
Filing Date: 2025-08-14
Form Type: S-3ASR
Source: 0001104659-25-078748
Chunk: 103

Company: MFA FINANCIAL, INC.
Filing Date: 2025-08-14
Form: S-3ASR
Chunk 103
---
 the Exchange Act prior to the termination of the applicable offering under this prospectus. If anything in a report or document we file after the date of this prospectus changes anything in (or incorporated by reference in) it, this prospectus will be deemed to be changed by that subsequently filed report or document beginning on the date the report or document is filed.

Upon request, we will provide, without charge, to each person, including any beneficial owner, to whom a copy of this prospectus is delivered a copy of the documents incorporated by reference into this prospectus. You may request a copy of these filings, and any exhibits we have specifically incorporated by reference as an exhibit in this prospectus, by writing or telephoning us at: MFA Financial, Inc., One Vanderbilt Ave., 48th Floor, New York, New York 10017, Attention: Investor Relations Department; telephone: 212-207-6488.

<div align='center'>66</div>

TABLE OF CONTENTS

### INFORMATION WE FILE
We file annual, quarterly and current reports, proxy statements and other materials with the SEC. The SEC maintains a website that contains reports, proxy and information statements and other information regarding issuers (including us) that file electronically with the SEC. The address of that website is http://www.sec.gov .

We maintain a website at www.mfafinancial.com . Information contained on our website is not, and should not be interpreted to be, part of this prospectus.

<div align='center'>67</div>

TABLE OF CONTENTS

PART II Item 14. Other Expenses of Issuance and Distribution. The fees and expenses to be paid in connection with the distribution of the securities being registered hereby are estimated as follows:

| ​ | SEC registration fee         | ​ | ​ | ​ | $ | *  | ​ | ​ |
| ​ | Legal fees and expenses      | ​ | ​ | ​ | ​ | ** | ​ | ​ |
| ​ | Trustee fees and expenses    | ​ | ​ | ​ | ​ | ** | ​ | ​ |
| ​ | Accounting fees and expenses | ​ | ​ | ​ | ​ | ** | ​ | ​ |
| ​ | Rating Agency Fees           | ​ | ​ | ​ | ​ | ** | ​ | ​ |
| ​ | Printing Fees and Expenses   | ​ | ​ | ​ | ​ | ** | ​ | ​ |
| ​ | Miscellaneous                | ​ | ​ | ​ | ​ | ** | ​ | ​ |
| ​