Company: MFAN
Filing Date: 2025-08-15
Form Type: 424B5
Source: 0001104659-25-079255
Chunk: 16

Company: MFA FINANCIAL, INC.
Filing Date: 2025-08-15
Form: 424B5
Chunk 16
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 Current Report on Form 8-K. These documents may include Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K, as well as proxy statements. You may obtain copies of any of these filings through the SEC or through the SEC’s website as described above.

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

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TABLE OF CONTENTS

#### MFA FINANCIAL, INC.

#### Common Stock

#### Preferred Stock

#### Depositary Shares

#### Warrants

#### Debt Securities

#### Rights

#### Units
We may offer, issue and sell from time to time, together or separately:

•

shares of our common stock, par value $0.01 per share (our common stock);

•

shares of our preferred stock, including our convertible preferred stock (which we may issue in one or more series), par value $0.01 per share;

•

depositary shares representing shares of our preferred stock;

•

warrants entitling the holders to purchase our common stock, preferred stock, depositary shares, debt securities or units;

•

debt securities;

•

rights issuable to our stockholders (i) to purchase shares of our common stock or preferred stock, (ii) to purchase warrants exercisable for shares of our common stock, shares of our preferred stock, depositary shares, debt securities or units, (iii) to purchase our debt securities, (iv) to purchase depositary shares or (v) to purchase units consisting of two or more of the foregoing; or

•

units consisting of two or more of the foregoing.

We will determine when we sell securities, the amounts of securities we will sell and the prices and other terms pursuant to which we will sell them. We may sell securities to or through underwriters, through agents or directly to purchasers.

We will describe in a prospectus supplement, which we will deliver with this prospectus, the terms of particular securities that we offer in the future. We may describe the terms of those securities in a term sheet that will precede the prospectus supplement.

In each prospectus supplement, we will include the following information:

•

the names of the underwriters or agents, if any, through which we will sell the securities;

•

the proposed amount of securities, if any, that the underwriters will purchase;