Company: MFAN
Filing Date: 2025-08-14
Form Type: S-3ASR
Source: 0001104659-25-078748
Chunk: 1

Company: MFA FINANCIAL, INC.
Filing Date: 2025-08-14
Form: S-3ASR
Chunk 1
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 post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ☐ If this Form is a registration statement pursuant to General Instruction I.D. or a post-effective amendment thereto that shall become effective upon filing with the Commission pursuant to Rule 462(e) under the Securities Act, check the following box. ☒ If this Form is a post-effective amendment to a registration statement filed pursuant to General Instruction I.D. filed to register additional securities or additional classes of securities pursuant to Rule 413(b) under the Securities Act, check the following box. ☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one):

| ​ | Large accelerated filer 
 ☒                       
 ​                       | ​ | ​ | Non-accelerated filer     
 ☐                         
 ​                         | ​ |
| ​ | Accelerated filer       
 ☐                       
 ​                       | ​ | ​ | 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 7(a)(2)(B) of Securities Act. ☐

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:

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

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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;

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depositary shares representing shares of our preferred stock;

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

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debt securities;

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rights