X0306 4 2020-07-09 0 0001055160 MFA FINANCIAL, INC. MFA 0001815213 Wald Richard C. C/O MFA FINANCIAL, INC. 350 PARK AVENUE, 20TH FLOOR NEW YORK NY 10022 1 0 0 0 Restricted Stock Units 2020-07-09 4 A 0 64655 0 A 2026-01-15 2026-01-15 Common Stock 64655 64655 D Each restricted stock unit represents the right to receive one share of MFA Financial, Inc. common stock. The restricted stock units were fully vested as of the date of grant and will be settled in an equivalent number of shares of MFA common stock. Except in certain circumstances, the restricted stock units will be settled on the earlier of (i) the reporting person's termination of service as a director of MFA Financial, Inc. and (ii) on or about January 15, 2026. /s/ Harold E. Schwartz, by power of attorney 2020-07-10