Company: MFAN
Filing Date: 2025-08-15
Form Type: 424B5
Source: 0001104659-25-079255
Chunk: 7

Company: MFA FINANCIAL, INC.
Filing Date: 2025-08-15
Form: 424B5
Chunk 7
---
, collateralized by residential properties made to non-occupant borrowers that generally intend to rehabilitate or construct residential housing and then refinance or sell the properties, (iv) short-term business purpose loans collateralized by multifamily properties, typically with a loan balance below $10 million, made to non-occupant borrowers that generally intend to rehabilitate or stabilize and then refinance or sell the properties, (v) loans primarily secured by residential real estate that were generally either nonperforming or re-performing at acquisition and (vi) loans on investor properties that conform to the standards for purchase by a federally chartered corporation, such as the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation. In addition, at June 30, 2025, we had approximately $1.8 billion or 16% of total assets invested in investments in securities, including Agency MBS, CRT securities and Non-Agency MBS.

Compliance with REIT Requirements and the Investment Company Act

We have elected to be treated as a REIT for U.S. federal income tax purposes. In order to maintain our qualification as a REIT, we must comply with a number of requirements under U.S. federal income tax law that are discussed under the heading “Material U.S. Federal Income Tax Considerations” in the accompanying prospectus. In addition, we intend to conduct our business at all times so as to maintain our exempt status under, and not to become regulated as an investment company for purposes of, the Investment Company Act.

#### General Information
We were incorporated in Maryland on July 24, 1997, and began operations on April 10, 1998. Our principal executive offices are located at One Vanderbilt Avenue, 48th Floor, New York, New York 10017. Our telephone number is (212) 207-6400. Our common stock, our 7.50% Series B Cumulative Redeemable Preferred Stock, our 6.50% Series C Fixed-to-Floating Rate Cumulative Redeemable Preferred Stock, our 8.875% Senior Notes due 2029 and our 9.00% Senior Notes due 2029 are listed on the NYSE under the symbols “MFA”, “MFA/PB”, “MFA/PC” “MFAN” and “MFAO”, respectively. 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