Company: MFAN
Filing Date: 2025-05-30
Form Type: 11-K
Source: 0001055160-25-000011
Chunk: 14

Company: MFA FINANCIAL, INC.
Filing Date: 2025-05-30
Form: 11-K
Chunk 14
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#### MFA FINANCIAL, INC. 401(k) SAVINGS PLAN
| Schedule of Delinquent Participant Contributions              
 For the year ended December 31, 2024                          |   |     |                                                          |        |     |                                         |         |     |                                          |   |     |                                                  |   |
|:--------------------------------------------------------------|:--|:----|:---------------------------------------------------------|-------:|:----|:----------------------------------------|--------:|:----|:-----------------------------------------|:--|:----|:-------------------------------------------------|:--|
| Participant contributions transferred late to the Plan        |   |     | Totals that constitute nonexempt prohibited transactions |        |     |                                         |         |     |                                          |   |     |                                                  |   |
| Check here if late participant loan repayments are included:x |   |     | Contributions not corrected(1)                           |        |     | Contributions corrected outside VFCP(2) |         |     | Contributions pending correction in VFCP |   |     | Total fully corrected under VFCP and PTE 2002-51 |   |
| $                                                             | — |     | $                                                        | 12,483 |     | $                                       | 234,132 |     | $                                        | — |     | $                                                | — |

(1) All contributions were remitted to the Plan. Lost earnings are in the process of being calculated and will be remitted to the Plan once finalized.

(2) Contributions of $234,132 were remitted to the Plan in 2023 and lost earnings of $8,387 have been remitted to the Plan in 2024.

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#### MFA FINANCIAL, INC. 401(k) SAVINGS PLAN

#### EXHIBIT INDEX

#### Exhibit No. Description
23.1 Consent of Independent Registered Public Accounting Firm

#### SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer the MFA Financial, Inc. 401(k) Savings Plan) have duly caused this annual report to be signed on its behalf by the undersigned, hereunto duly authorized.

| Date: May 30, 2025 |     | MFA FINANCIAL, INC. 401(k) SAVINGS PLAN |     |                                                     |
|:-------------------|:----|:----------------------------------------|:----|:----------------------------------------------------|
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