UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549 
_____________________________________________ 
FORM 11-K

(Mark One) 
x    ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the fiscal year ended December 31, 2022

or
 

o    TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
 

For the transition period from                              to                             
 

Commission File Number: 1-13991
 


A. Full title of the plan and the address of the plan, if different from that of the issuer named below:

MFA FINANCIAL, INC. 401(k) SAVINGS PLAN


B. Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:

MFA FINANCIAL, INC.
One Vanderbilt Ave., 48th Floor
New York, New York 10017





MFA FINANCIAL, INC. 401(K) SAVINGS PLAN
Financial Statements and Supplemental Schedule
(Unaudited)




TABLE OF CONTENTS

                                                







* Other supplemental schedules required by the Department of Labor’s Rules and Regulations for Reporting and Disclosure under the Employee Retirement Income Security Act of 1974, as amended, have been omitted because they are not applicable or not required.

MFA FINANCIAL, INC. 401(K) SAVINGS PLAN
STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS
(Unaudited)

December 31,
20222021
Assets
Investments at fair value:
Investments, at fair value$13,292,520 $17,168,660 
Cash equivalents including money market funds1,025,816 952,672 
Total Investments at fair value$14,318,336 $18,121,332 
Receivables:
Employer’s contributions$513,496 $467,117 
Notes receivable from participant loans175,608 118,739 
Total Receivables$689,104 $585,856 
Total Assets$15,007,440 $18,707,188 
Net Assets Available for Benefits$15,007,440 $18,707,188 


See accompanying notes to the financial statements.
1
MFA FINANCIAL, INC. 401(K) SAVINGS PLAN
STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS
(Unaudited)

For the year ended December 31, 2022
Additions to net assets:
Investment Loss:
Interest and dividends$752,366 
Net depreciation in fair value of investments(5,619,070)
Total investment loss(4,866,704)
Contributions:
Participant’s Contributions$941,013 
Employer’s Contributions513,496 
Rollovers32,806 
Total contributions1,487,315 
Interest on notes receivable from participants$7,786 
Total reduction to net assets$(3,371,603)
Deductions from net assets:
Benefits distributed to participants$324,766 
Administrative expenses3,379 
Total deductions from net assets$328,145 
Decrease in net assets available for plan benefits$(3,699,748)
Net assets available for benefits:
Beginning of year18,707,188 
End of year$15,007,440 


See accompanying notes to the financial statements.

2
MFA FINANCIAL, INC. 401(K) SAVINGS PLAN
Notes to the Unaudited Financial Statements
December 31, 2022


1. Description of the Plan

The following description of the MFA Financial, Inc. 401(k) Savings Plan (the “Plan”) provides only general information. Participants should refer to the Plan documents for a more complete description of the Plan’s provisions, a copy of which is available from MFA Financial, Inc. (the “Company”).

General

The Plan, which became effective January 1, 2002, is a defined contribution plan subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). The Plan is administered by the Company’s 401(k) committee (the “401(k) Committee”) with certain administrative functions of the Plan delegated to others in accordance with the terms of the Plan. The Plan’s investments are held by a trust fund administered by Fidelity Management Trust Company (the “Trustee”).

Investment Funds, Contributions and Vesting

Under the terms of the Plan, all regular full-time and part-time employees of the Company who are 21 years of age 1) can make elective contributions to the Plan beginning as soon as practicable after the date of hire; and 2) are eligible to receive Company matching contributions.

Participants may elect to have a portion of their eligible compensation contributed to the Plan on a before-tax basis, up to the maximum deferral permitted under the Internal Revenue Code of 1986, as amended (the “Code”). For 2022, this limit was $20,500. Participants who are age 50 or older can make before-tax catch-up contributions to the Plan, the amount of which was limited to $6,500 per participant in 2022. Participants may change their deferral percentage as applicable at the beginning of each payroll period. Participant’s contributions may be invested in one or a combination of the various investment options offered by the Plan. A participant’s account balance may generally be transferred among the Plan’s investment options at any time upon receipt of instructions from the participant, except for certain limitations, including, but not limited to, the provisions of the Company’s Insider Trading Policy.

On an annual basis, the Company makes matching contributions in cash for each eligible participant in an amount equal to the addition of 1) 100% of the first 3% of an eligible participant’s compensation contributed to the Plan; and 2) 50% of the next 2% of the eligible participant’s compensation contributed to the Plan. Company matching contributions are subject to certain limitations imposed by applicable provisions of the Plan and the Code, including compliance with applicable statutory limits and non-discrimination rules. For 2022, the annual maximum employer matching contribution for each eligible participant was $12,200. Participants are immediately vested in their before-tax and Company matching contributions, as well as any investment earnings/losses thereon. During 2022, the Company made matching contributions of $467,117 with respect to eligible employee contributions made during 2021. In addition, on an annual basis, the Company at its discretion, may decide to make nonelective employer contributions to eligible participants in the Plan. The Plan provides that such contributions by the Company will vest 20% after two years of service with an additional 20% vesting for each year of service thereafter until the sixth year, at which time such contributions are fully vested. The nonelective employer contributions are automatically fully vested upon a participant’s termination due to retirement, death or disability, as defined in the Plan. The Company has not made any non-elective employer contributions during 2021 and 2022.

Participants are permitted to transfer eligible amounts from certain other tax qualified plans to the Plan (“Rollovers”), subject to Plan requirements. Rollovers are not subject to Company matching contributions.

The Plan provides for multiple investment options to be made available through the Trustee, including core investment options as determined by the 401(k) Committee, a group of target date options, an advisory asset management service and a self-directed brokerage option. In addition, the Plan document provides that the Company’s equity securities be offered as a core investment option, subject to compliance with ERISA. Contributions or Rollovers related to the Company’s common or preferred stock are also subject to the Company’s Insider Trading Policy. See Note 3 for Investment Options under the Plan.

3
MFA FINANCIAL, INC. 401(K) SAVINGS PLAN
Notes to the Unaudited Financial Statements
December 31, 2022

Notes Receivable from Participants (Loans)

The Plan includes a provision that allows participants to apply for a loan from their account balance for a minimum amount of $1,000 up to the lesser of 50% of the value of the vested portion of their Plan assets or $50,000, subject to the certain restrictions set forth in the Plan and the Code. The loans may be repaid through payroll deductions and may have loan terms ranging up to five years, or ten years if for the purchase of a primary residence. A participant may have only two loans outstanding at a time. The loans are secured by the balance in the participant’s account and bear interest at a fixed rate throughout the duration of the loan of prime plus one percentage point. At December 31, 2022, loans outstanding to participants had interest rates ranging from 4.25% to 6.50% and will mature at various dates through January, 2031.

Distributions and Withdrawals

Participants are permitted to withdraw any portion of their vested account balance due to death, permanent disability, retirement, attainment of age 59-½, or in the event of financial hardship or termination of service. The participant may elect to receive a lump sum payment, installment payments, or rollover the vested account balance to another qualified plan. Hardship withdrawals are allowed for participants incurring an “immediate and heavy financial need,” as defined by the Plan. Hardship withdrawals are strictly regulated under the Code and the regulations thereunder, and a participant must exhaust all available loan options and available distributions prior to being permitted to make a hardship withdrawal.

Administrative Expenses

Plan administrative expenses, to the extent not paid by the Company, are charged to and paid from the Plan’s assets as incurred.

2. Summary of Significant Accounting Policies

Basis of Presentation

The accompanying financial statements have been prepared on the accrual basis of accounting in accordance with U.S. generally accepted accounting principles (“GAAP”).

Use of Estimates

The preparation of financial statements in conformity with GAAP requires the Plan’s management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes and schedule thereto. Actual results could differ from those estimates.

Cash Equivalents Including Money Market Funds

Participant investments in money market funds, whose underlying investments are assessed to be liquid financial instruments are considered to be cash equivalents.

Valuation of Investments and Investment Income

Investments held by the Plan are stated at estimated fair value. Equity securities are valued at the closing price reported on the market on which the individual securities are traded on the last business day of the Plan year. Investments in mutual funds are valued at the net asset value of units held by the Plan as reported by the mutual fund on the last business day of the Plan year. Other investments are valued using available information including information reported on the market on which such investments are traded, net asset value of the entity that issued the investment security or other information as deemed appropriate to use to estimate fair value.

The net appreciation or depreciation in the fair value of investments, which includes any unrealized appreciation or depreciation on those investments plus realized gains or losses on any investments sold, are reported in Investment Income on the Plan’s Statement of Changes in Net Assets Available for Benefits. Interest and dividend income is recorded when received.

4
MFA FINANCIAL, INC. 401(K) SAVINGS PLAN
Notes to the Unaudited Financial Statements
December 31, 2022

Distributions to Participants

Distributions to participants are recorded when paid by the Plan.

Notes Receivable from Participants

Notes receivable from participants (loans) are funded directly from the participants account balance. Repayments of principal and interest related to the loan are credited to the participant’s account on a pro-rata basis in accordance with their selected investment options.

3. Investment Options

The Plan provides participants with various investment options, which are exposed to various risks such as interest rate, market, and credit risks. Due to the level of risk associated with certain investments, it is at least reasonably possible that changes in the values of a participant’s investments could occur in the near term and that such changes could materially affect the account balances and the amounts reported in the Statements of Net Assets Available for Benefits.

In addition to the self-directed brokerage account option, set out below are the investment options made available under the Plan as of December 31, 2022:

Name of FundName of Fund
Fidelity 500 Index FundFidelity Freedom 2060 Fund
Fidelity 500 Index Fund PremiumFidelity Freedom 2065 Fund
Fidelity Blue Chip Growth FundFidelity Freedom Income Fund
Fidelity Emerging Markets FundFidelity Global ex U.S. Index Fund
Fidelity Extended Market Index FundFidelity Government Money Market Fund
Fidelity Extended Market Index Fund PremiumFidelity Overseas Fund
Fidelity Freedom 2005 FundFidelity Small Cap Growth Fund
Fidelity Freedom 2010 FundFidelity Total Bond Fund
Fidelity Freedom 2015 FundFidelity U.S. Bond Index Fund
Fidelity Freedom 2020 FundFidelity Value Fund
Fidelity Freedom 2025 FundGoldman Sachs Inflation Protected Securities Fund Investor Shares
Fidelity Freedom 2030 FundInvesco Diversified Dividend Fund R5 Class
Fidelity Freedom 2035 FundJanus Henderson Enterprise Fund Class T
Fidelity Freedom 2040 FundMassMutual Premier Small Cap Opportunities Fund Administrative Class
Fidelity Freedom 2045 FundMFA Financial, Inc. Common Stock
Fidelity Freedom 2050 FundMFA Financial, Inc. Preferred Stock
Fidelity Freedom 2055 FundAllspring Special Small Cap Value Fund - Class Admin


4. Party-in-Interest Transactions

The Trustee and the Company are parties-in-interest with respect to the Plan. The Plan’s investments are held by the Trustee, and certain of the investment options available to participants include investments managed by the Trustee and its affiliates. Transactions between the Plan, and the Trustee and its affiliates, are exempt from the prohibited transactions rules under ERISA. As of December 31, 2022, participants in the Plan held 33,131 shares of MFA Financial, Inc. Common Stock valued at $327,420 and 6,784 shares of MFA Financial, Inc. 7.50% Series B Cumulative Redeemable Preferred Stock valued at $122,494. Notes Receivable from Participants, as discussed in Note 1 (Description of the Plan), are also considered to be party-in-interest transactions and totaled $175,608 at December 31, 2022.
5
MFA FINANCIAL, INC. 401(K) SAVINGS PLAN
Notes to the Unaudited Financial Statements
December 31, 2022


5. Plan Termination

Although it has not expressed any intent to do so, the Company has the right under the Plan to discontinue its contributions at any time and to terminate the Plan subject to the provisions of ERISA. Each participant’s interest in the Plan is 100% vested at all times, including the portion attributable to Company matching contributions. In the event of Plan termination, any unvested nonelective employer contributions will become 100% vested and the Plan assets will be distributed in accordance with the Plan document.

6. Tax Status

The Plan has received a determination letter from the Internal Revenue Service (“IRS”) dated March 31, 2014, stating that the Plan is qualified under section 401(a) of the Code, and therefore, the related trust is exempt from taxation.

7. Subsequent Events

The Company has evaluated whether events or transactions have occurred after December 31, 2022 that would require recognition or disclosure in these financial statements through June 27, 2023, which is the date these financial statements were available to be issued. Other than the event disclosed below, no such transactions required recognition or disclosure in these financial statements.

Effective as of January 1, 2023, the Lima One 401(k) Plan, which was sponsored by the Company’s wholly-owned subsidiary, Lima One Capital, LLC was merged with and into the Plan. As a result of the merger, the assets of the Lima One 401(k) Plan have become assets of the Plan and the participants in the Lima One 401(k) Plan have become participants in the Plan.






6
MFA FINANCIAL, INC. 401(k) SAVINGS PLAN
Schedule of Assets Held For Investment Purposes
December 31, 2022
(Unaudited)


Identity of Issue, Borrower, Lessor or Similar PartyDescription of
Investment Including
Maturity Date, Rate
of Interest, Collateral,
Par or Maturity Value		Current Value
Tesla, Inc.Common Stock, shares: 6,362$783,671 
*MFA Financial, Inc. Common StockCommon Stock, shares: 33,131327,420 
Apple Inc.Common Stock, shares: 2,505325,567 
Amazon.com, Inc.Common Stock, shares: 1,500126,000 
Royal Bank of CanadaCommon Stock, shares: 96490,694 
Facebook, Inc.Common Stock, shares: 54565,585 
AT&T Inc.Common Stock, shares: 2,77251,033 
Verizon CommunicationsCommon Stock, shares: 1,27350,169 
Deere & CompanyCommon Stock, shares: 10946,915 
Netflix, Inc.Common Stock, shares: 15946,886 
Microsoft CorporationCommon Stock, shares: 19145,870 
Square, Inc.Common Stock, shares: 61538,647 
Shift4 PaymentsCommon Stock, shares: 63935,739 
Overstock.com, Inc.Common Stock, shares: 1,44728,014 
Owens CorningCommon Stock, shares: 30025,590 
The Walt Disney CompanyCommon Stock, shares: 27824,237 
Union Pacific CorporationCommon Stock, shares: 11323,437 
Exxon Mobil CorporationCommon Stock, shares: 21123,378 
Walmart Inc.Common Stock, shares: 16223,066 
Camping World Holdings, Inc.Common Stock, shares: 1,00022,320 
Alexander’s Inc.Common Stock, shares: 10022,006 
Callaway Golf CompanyCommon Stock, shares: 1,00019,750 
Advanced Micro Devices, Inc.Common Stock, shares: 29218,913 
Royal Caribbean Cruises Ltd.Common Stock, shares: 36117,844 
Spotify Technology S.A.Common Stock, shares: 20015,790 
Mitek Systems, IncCommon Stock, shares: 1,58715,378 
QualcommCommon Stock, shares: 13915,296 
Occidental Petroleum CorporationCommon Stock, shares: 22113,969 
Meg Energy Corp.Common Stock, shares: 1,00013,912 
Alphabet Inc. Class ACommon Stock, shares: 14012,352 
IBMCommon Stock, shares: 8411,892 
Cenovus Energy Inc.Common Stock, shares: 60011,646 
Target CorporationCommon Stock, shares: 7511,178 
Apollo Commercial Real EstateCommon Stock, shares: 98810,631 
Alibaba Group Holding LimitedCommon Stock, shares: 12010,571 
APACommon Stock, shares: 22210,379 
Liberty GlobalCommon Stock, shares: 5009,715 
Ellington Residential MortgageCommon Stock, shares: 1,0006,860 
ON Semiconductor CorporationCommon Stock, shares: 1086,736 
Warner Bros. DiscoveryCommon Stock, shares: 6416,077 
Fulgent GeneticsCommon Stock, shares: 1995,926 
7
MFA FINANCIAL, INC. 401(k) SAVINGS PLAN
Schedule of Assets Held For Investment Purposes
December 31, 2022
(Unaudited)


Identity of Issue, Borrower, Lessor or Similar PartyDescription of
Investment Including
Maturity Date, Rate
of Interest, Collateral,
Par or Maturity Value		Current Value
Shopify Inc.Common Stock, shares: 1705,901 
Cabot Oil & Gas CorporationCommon Stock, shares: 2385,848 
Dow Inc.Common Stock, shares: 1085,480 
FedEx CorporationCommon Stock, shares: 315,416 
Alphabet Inc.Common Stock, shares: 605,324 
DXC TechnologyCommon Stock, shares: 2005,300 
PubMatic, Inc.Common Stock, shares: 3694,727 
Axos FinancialCommon Stock, shares: 1234,701 
Fannie MaeCommon Stock, shares: 12,0004,241 
Innovative Industrial Properties, Inc. Common Stock, shares: 404,054 
NVIDIA Corp.Common Stock, shares: 273,949 
Biomerica, inc.Common Stock, shares: 1,0003,350 
Joyy, Inc.Common Stock, shares: 1003,159 
Mastercard Inc.Common Stock, shares: 93,143 
Visa Inc.Common Stock, shares: 153,140 
Live Oak Bancshares, Inc.Common Stock, shares: 1003,037 
Gap Inc.Common Stock, shares: 2652,994 
Kohls Corp Nfs Llc Is A SpecialCommon Stock, shares: 1152,917 
Roblox CorporationCommon Stock, shares: 1002,846 
American Express CompanyCommon Stock, shares: 192,835 
New Residential Investment CorpCommon Stock, shares: 3352,737 
AG Mortgage Investment Trust, Inc.Common Stock, shares: 5102,708 
PennyMac Mortgage Investment TrustCommon Stock, shares: 2152,664 
Citigroup Inc.Common Stock, shares: 572,583 
Rocket Companies, Inc.Common Stock, shares: 3542,478 
PulteGroup, Inc.Common Stock, shares: 502,315 
Wix.com Ltd.Common Stock, shares: 302,305 
DraftKingsCommon Stock, shares: 2002,278 
Zillow Group, Inc.Common Stock, shares: 712,216 
Green Dot CorporationCommon Stock, shares: 1392,199 
Hudson Pacific PropertiesCommon Stock, shares: 2252,196 
Annaly Capital Management Inc.Common Stock, shares: 1042,192 
Snowflake Inc.Common Stock, shares: 152,153 
Crowdstrike Holdings, Inc.Common Stock, shares: 202,106 
DigitalBridge Group, Inc.Common Stock, shares: 1811,980 
Transocean Ltd.Common Stock, shares: 3921,788 
Coinbase Global, Inc.Common Stock, shares: 501,769 
8
MFA FINANCIAL, INC. 401(k) SAVINGS PLAN
Schedule of Assets Held For Investment Purposes
December 31, 2022
(Unaudited)


Identity of Issue, Borrower, Lessor or Similar PartyDescription of
Investment Including
Maturity Date, Rate
of Interest, Collateral,
Par or Maturity Value		Current Value
Panasonic CorporationCommon Stock, shares: 2001,683 
AGNC Investment CorporationCommon Stock, shares: 1601,656 
Two Harbors Investment Corp.Common Stock, shares: 981,545 
Datadog, Inc.Common Stock, shares: 201,470 
NXP Semiconductors N.V.Common Stock, shares: 91,442 
Lemonade, Inc.Common Stock, shares: 1001,368 
New York Mortgage Trust Inc.Common Stock, shares: 5251,344 
IRSACommon Stock, shares: 2791,337 
FastlyCommon Stock, shares: 1551,269 
Norwegian Cruise Lines HoldingsCommon Stock, shares: 1001,224 
Desktop Metal, Inc.Common Stock, shares: 8561,164 
RedfinCommon Stock, shares: 2691,141 
Chimera Investment CorporationCommon Stock, shares: 2001,100 
The Honest Company, Inc.Common Stock, shares: 250753 
Cherry Hill Mortgage InvestmentCommon Stock, shares: 117679 
Invesco Mortgage CapitalCommon Stock, shares: 49624 
Boston Omaha CorporationCommon Stock, shares: 23610 
Blackstone Group Inc.Common Stock, shares: 6445 
Arlington Asset Investment Corp.Common Stock, shares: 125366 
Compass Pathways PLCCommon Stock, shares: 33265 
Upstart Holdings, Inc.Common Stock, shares: 20264 
AppHarvest, Inc.Common Stock, shares: 400227 
Virgin GalaticCommon Stock, shares: 58201 
Kyndryl Holdings, Inc.Common Stock, shares: 16178 
Logan Ridge Finance CorporationCommon Stock, shares: 6134 
VTV Therapeutics, Inc.Common Stock, shares: 200133 
Curiosity Stream, Inc.Common Stock, shares: 100113 
D-Market Electronic Services TradingCommon Stock, shares: 15098 
Impac Mortgage Holdings, Inc.Common Stock, shares: 102 
Sub-Total$2,614,923 
*MFA Financial, Inc. Preferred Stock Series B Preferred Stock, shares: 6,784 $122,494 
Chimera Investment Corp Series C Preferred Stock, shares: 4,000 68,600 
Two Harbors Investment Corp Series A Preferred Stock, shares: 3,000 60,870 
Chimera Investment Corp Series B Preferred Stock, shares: 3,000 59,430 
New York Mortgage Trust Series E Preferred Stock, shares: 3,000 54,930 
Pennymac Mortgage Investment Series A Preferred Stock, shares: 2,000 44,000 
AG Mortgage Investment Trust Preferred Stock, shares: 2,000 31,280 
New York Mortgage Trust Preferred Series G Preferred Stock, shares: 2,000 30,500 
Chimera Investment Corp Series D Preferred Stock, shares: 1,000 18,830 
New York Mortgage Trust Preferred Series D Preferred Stock, shares: 1,000 17,600 
9
MFA FINANCIAL, INC. 401(k) SAVINGS PLAN
Schedule of Assets Held For Investment Purposes
December 31, 2022
(Unaudited)


Identity of Issue, Borrower, Lessor or Similar PartyDescription of
Investment Including
Maturity Date, Rate
of Interest, Collateral,
Par or Maturity Value		Current Value
Chimera Investment Corp Series A Preferred Stock, shares: 700 12,887 
New Residential Investment Corp Series C Preferred Stock, shares: 250 4,300 
Pennymac Mortgage Investment Series C Preferred Stock, shares: 11 205 
Sub-Total$525,926 
*Fidelity 500 Index FundMutual Funds$1,115,657 
*Fidelity Freedom 2040 FundMutual Funds742,625 
*Fidelity Freedom 2030 FundMutual Funds710,102 
*Fidelity Freedom 2045 FundMutual Funds608,417 
*Fidelity Freedom 2050 FundMutual Funds396,248 
*Fidelity Blue Chip Growth FundMutual Funds393,095 
American New Perspective Class FMutual Funds349,530 
American Growth Fund of America Class FMutual Funds342,590 
*Fidelity Freedom 2060 FundMutual Funds312,930 
American Europacific Growth Class FMutual Funds305,909 
*Fidelity Freedom 2020 FundMutual Funds299,174 
*Fidelity Freedom 2055 FundMutual Funds264,100 
*Fidelity 500 Index Fund PremiumMutual Funds248,624 
*Fidelity Small Cap Growth FundMutual Funds244,585 
Virtus NFJ Mid Cap Value AMutual Funds205,367 
*Fidelity Freedom 2035 FundMutual Funds180,053 
*Fidelity Mid Cap Stock FundMutual Funds146,993 
Smead Value Fund Investor Cl SharesMutual Funds145,399 
*Fidelity Real Estate IncomeMutual Funds123,205 
*Fidelity Emerging Markets FundMutual Funds118,661 
*Fidelity Freedom 2020 FundMutual Funds116,755 
*Fidelity Total Bond FundMutual Funds116,559 
*Fidelity U.S. Bond Index FundMutual Funds112,928 
*Fidelity Extended Market Index FundMutual Funds108,974 
*Fidelity Value FundMutual Funds108,104 
*Fidelity Global Ex U.S. Index FundMutual Funds107,934 
*Fidelity Equity Income FundMutual Funds98,735 
*Fidelity ContrafundMutual Funds98,043 
*Fidelity Low Priced Stock FundMutual Funds95,376 
*Fidelity Freedom 2015 FundMutual Funds92,717 
Blackrock Commodity Strategies Fund Class AMutual Funds85,246 
*Fidelity Aggressive Growth FundMutual Funds81,163 
10
MFA FINANCIAL, INC. 401(k) SAVINGS PLAN
Schedule of Assets Held For Investment Purposes
December 31, 2022
(Unaudited)


Identity of Issue, Borrower, Lessor or Similar PartyDescription of
Investment Including
Maturity Date, Rate
of Interest, Collateral,
Par or Maturity Value		Current Value
*Janus Henderson Enterprise Fund Class TMutual Funds72,163 
*Invesco Diversified Dividend Fund R5 ClassMutual Funds57,571 
*Fidelity Large Cap Value Enhanced Index FundMutual Funds49,804 
*Goldman Sachs Inflation Protected Securities Fund Investor SharesMutual Funds46,377 
*Fidelity Small Cap Value FundMutual Funds45,164 
*Allspring Special Small Cap Value Fund - Class AdminMutual Funds37,359 
*Fidelity Overseas FundMutual Funds35,011 
*Fidelity Freedom 2025 FundMutual Funds33,866 
Growth Fund Of America Class AMutual Funds24,299 
New Perspective Class AMutual Funds22,402 
*Massmutual Premier Small Cap Opportunities Fund Administrative ClassMutual Funds22,100 
Europacific Growth Class AMutual Funds14,850 
*Fidelity Freedom Income FundMutual Funds3,346 
Wasatch Small Cap ValueMutual Funds2,278 
Wasatch Micro-Cap Value FundMutual Funds2,074 
Wasatch MicrocapMutual Funds742 
Morgan Stanley Global Opportunity AMutual Funds551 
Morgan Stanley Institutional Fund Us Large Cap Growth Por BMutual Funds338 
Morgan Stanley Institutional Fund Trust Mid Cap Growth Adv ClMutual Funds318 
Morgan Stanley Institutional Fund, Inc. Small Co Growth Class PMutual Funds288 
JP Morgan Income Builder Fund Class AMutual Funds21 
Sub-Total$8,946,720 
SPDR Portfolio Total Stock MarketOther Investments$177,954 
WisdomTree India Earnings FundOther Investments140,137 
Vanguard S&P 500 ETFOther Investments101,858 
Vanguard Extended Market ETFOther Investments88,189 
iShares MSCI India Small-Cap ETFOther Investments65,218 
Invesco QQQ Trust, Series 1Other Investments61,405 
SPDR S&P 500 ETF TrustOther Investments46,726 
Vanguard Total Stock Market ETFOther Investments35,944 
SPDR Dow Jones Industrial Average ETFOther Investments33,133 
iShares MSCI India ETFOther Investments26,169 
VanEck Vectors Oil Services ETFOther Investments15,203 
iPath S&P GSCI Crude Oil Total Return Index ETNOther Investments13,802 
Vanguard Energy ETFOther Investments12,128 
iShares S&P 500 ETFOther Investments10,911 
Global X Robotics & Artificial Intelligence ETFOther Investments10,275 
Vaneck Vectors Vietnam ETFOther Investments7,104 
Direxion Daily S&P 500 Bear 3X Shares ETFOther Investments6,913 
11
MFA FINANCIAL, INC. 401(k) SAVINGS PLAN
Schedule of Assets Held For Investment Purposes
December 31, 2022
(Unaudited)


Identity of Issue, Borrower, Lessor or Similar PartyDescription of
Investment Including
Maturity Date, Rate
of Interest, Collateral,
Par or Maturity Value		Current Value
ProShares Short QQQ ETFOther Investments4,874 
VS Trust 2X Long VIX Futures ETFOther Investments2,037 
ProShares TR UltraPro QQQ ETFOther Investments1,392 
Occidental Petroleum Corporation - WRTSOther Investments1,113 
ARK Autonomous Technology & Robotics ETFOther Investments1,033 
iShares MSCI Mexico ETFOther Investments914 
ARK Space Exploration and Innovation ETFOther Investments620 
ARK Innovation ETFOther Investments315 
ARK Genomic Revolution ETFOther Investments284 
ARK Fintech Innovation ETFOther Investments143 
Sub-Total$865,794 
United States Treasury Bills Zero Coupon BondGovernment bond$339,157 
Sub-Total$339,157 
*Fidelity Cash ReservesCash and cash equivalents$322,273 
*Fidelity Government Money Market FundCash and cash equivalents703,543 
Sub-Total$1,025,816 
* Participant LoansInterest Rate 4.25% - 6.50%
Maturity Dates through January, 2031		$175,608 
Grand Total$14,493,944 
* Indicates party-in-interest to the Plan.
12
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: June 27, 2023MFA FINANCIAL, INC. 401(k) SAVINGS PLAN
 
By:/s/ Stephen D. Yarad
  Stephen D. Yarad
  Member
  MFA Financial, Inc. 401(k) Administration Committee

13
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