X0508 4 2026-01-15 0 0001055160 MFA FINANCIAL, INC. MFA 0001222801 JOSEPHS ROBIN C/O MFA FINANCIAL, INC. ONE VANDERBILT AVENUE, 48TH FLOOR NEW YORK NY 10017 1 0 0 0 0 Common Stock 2026-01-15 4 M 0 3473 A 35454 D Restricted Stock Units 2026-01-15 4 M 0 3473 D 2026-01-15 2026-01-15 Common Stock 3473 92790 D Shares acquired pursuant to the settlement of restricted stock units ("RSUs") (i.e., phantom stock) granted to the Reporting Person in 2016, the settlement of which was deferred under the MFA Financial, Inc. 2003 Non-Employee Directors' Deferred Compensation Plan. Each phantom share was fully vested upon grant and was the economic equivalent of one share of common stock of MFA Financial, Inc. The reported disposition reflects the settlement of RSUs (i.e., phantom stock) granted to the Reporting Person in 2016. Each phantom share was the economic equivalent of one share of common stock of MFA Financial, Inc. Each phantom share was settled in one share of common stock of MFA Financial, Inc. See footnote 1 above. /s/ Harold E. Schwartz, by power of attorney 2026-01-20