Company: MFAN
Filing Date: 2025-08-15
Form Type: 424B5
Source: 0001104659-25-079260
Chunk: 8

Company: MFA FINANCIAL, INC.
Filing Date: 2025-08-15
Form: 424B5
Chunk 8
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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 supplement and the accompanying prospectus.

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TABLE OF CONTENTS

### THE OFFERING
In this prospectus supplement, (i) our “Junior Stock” means our common stock, par value $0.01 per share, and any class or series of stock we may issue in the future that by its terms ranks junior to the Series B Preferred Stock and Series C Preferred Stock with respect to the payment of dividends and the distribution of assets in the event of our liquidation, dissolution, or winding up, (ii) our “Parity Stock” means the Series B Preferred Stock and Series C Preferred Stock, and any other class or series of stock issued by us from time to time that by its terms ranks on parity with the Series B Preferred Stock and the Series C Preferred Stock with respect to the payment of dividends and the distribution of assets in the event of our liquidation, dissolution or winding up, and (iii) our “Senior Stock” means any class or series of stock we may issue in the future that by its terms ranks senior to the Series B Preferred Stock and Series C Preferred Stock with respect to the payment of dividends and the distribution of assets in the event of our liquidation, dissolution or winding up. The term “stock” does not include any convertible or exchangeable debt securities we may issue in the future.

#### Issuer
MFA Financial, Inc., a Maryland corporation.

#### Securities Offered
Shares of the Series B Preferred Stock and Series C Preferred Stock, with an aggregate gross sales price of up to $100,000,000.

#### NYSE Symbol
Series