Company: MFAN
Filing Date: 2025-12-12
Form Type: S-8 POS
Source: 0001104659-25-120645
Chunk: 0

Company: MFA FINANCIAL, INC.
Filing Date: 2025-12-12
Form: S-8 POS
Chunk 0
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<div align='center'>As filed with the Securities and Exchange Commission on December 12, 2025</div>

Registration No. 333-224986

<div align='center'>UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

POST-EFFECTIVE AMENDMENT NO. 1 (File No. 333-224986)

TO FORM S-8

REGISTRATION STATEMENT

UNDER

THE SECURITIES ACT OF 1933

MFA FINANCIAL, INC.

(Exact name of registrant as specified in its charter)</div>

| Maryland                        |     | 13-3974868         |
| (State or other jurisdiction of 
 incorporation or organization)  |     | -IRS Employer      
 Identification No. |

| One Vanderbilt Ave., 48th Floor, New York, New York |     |     10017 |
| (Address of Principal Executive Offices)            |     | -Zip Code |

<div align='center'>MFA Financial, Inc. 401(k) Savings Plan

(Full title of the plan)

Craig L. Knutson

Chief Executive Officer

MFA Financial, Inc.

One Vanderbilt Ave., 48th Floor

New York, New York 10017

(212) 207-6400

(Name, address, including zip code, and telephone number, including area code, of agent for service)

With copies to:</div>

| Harold E. Schwartz                                   
 Senior Vice President, General Counsel and Secretary 
 MFA Financial, Inc.                                  
 One Vanderbilt Ave., 48th Floor                      
 New York, New York 10017                             
 (212) 207-6400                                       |     | Robert K. Smith, Esq.    
 Hunton Andrews Kurth LLP 
 2200 Pennsylvania Ave NW 
 Washington, DC 20037     
 (202) 955-1500           |

Indicate by check mark whether the registrant is a large accelerated
filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions
of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging
growth company” in Rule 12b-2 of the Exchange Act.

| Large accelerated filer |     | x                                               |     | Accelerated filer         |     | ¨ |
| Non-accelerated filer   |