Company: MFAN
Filing Date: 2025-12-12
Form Type: S-8 POS
Source: 0001104659-25-120648
Chunk: 1

Company: MFA FINANCIAL, INC.
Filing Date: 2025-12-12
Form: S-8 POS
Chunk 1
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   |     | ¨   (Do not check               
 if a smaller reporting company) |     | Smaller reporting company |     | ¨ |
| Emerging growth company |     | ¨                               |     |                           |     |   |

If an emerging growth company, indicate by check mark if the registrant
has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant
to Section 13(a) of the Exchange Act. ¨

<div align='center'>EXPLANATORY NOTE</div>

MFA Financial, Inc. (the “Company,”
“we” or “our”) is filing this post-effective amendment to deregister the shares of 7.50% Series B Cumulative
Redeemable Preferred Stock, par value $0.01 per share (“Series B Preferred Stock”), of the Company, previously registered
under the Company’s registration statement on Form S-8 No. 333-272960 (the “Registration Statement”), which
registered the offering of 40,000 shares of Series B Preferred Stock and an indeterminate number of interests pursuant to the Company’s
401(k) Savings Plan (the “Plan”).

Effective after 4:00 p.m. Eastern Time on
December 1, 2025, investing in our Series B Preferred Stock ceased to be an investment option under the Plan, and from and after
such time and date through December 5, 2025, all balances invested in our Series B Preferred Stock and related plan interests
were liquidated. Accordingly, no offers or sales of shares of Series B Preferred Stock under the Plan or any related plan interests
related thereto are required to be registered under the Registration Statement. The Company hereby terminates the effectiveness of the
Registration Statement, and the Registrant hereby deregisters all shares of the Series B Preferred Stock and all related plan interests
registered pursuant to the Registration Statement that remain unsold or unissued as of the date hereof. The Registration Statement is
hereby amended, as appropriate, to reflect the deregistration of such Series B Preferred Stock and related plan interests.

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

Pursuant to the requirements of the Securities Act of 1933, as amended,
the registrant certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and
has duly caused this post-effective amendment to the Registration Statement to be signed on its behalf by the