Form: S-8

Securities to be offered to employees in employee benefit plans

November 18, 2025

S-8 S-8 EX-FILING FEES 0001055160 MFA FINANCIAL, INC. N/A Fees to be Paid 0001055160 2025-11-17 2025-11-17 0001055160 1 2025-11-17 2025-11-17 iso4217:USD xbrli:pure xbrli:shares

Calculation of Filing Fee Tables

S-8

MFA FINANCIAL, INC.

Table 1: Newly Registered Securities

Security Type

Security Class Title

Fee Calculation Rule

Amount Registered

Proposed Maximum Offering Price Per Unit

Maximum Aggregate Offering Price

Fee Rate

Amount of Registration Fee

1 Equity Common Stock, $0.01 par value per share 457(a) 5,500,000 $ 9.355 $ 51,452,500.00 0.0001381 $ 7,105.59

Total Offering Amounts:

$ 51,452,500.00

$ 7,105.59

Total Fee Offsets:

$ 0.00

Net Fee Due:

$ 7,105.59

Offering Note

1

1(a) Pursuant to Rule 416 under the Securities Act of 1933, as amended (the "Securities Act"), this Registration Statement shall also cover additional shares of common stock, par value $0.01 per share, of MFA Financial Inc., (the "Company"), which may become issuable by reason of any stock split, stock dividend, recapitalization or other similar transaction effected without consideration which results in an increase in the number of the Company's outstanding shares of common stock. 1(b) The proposed maximum offering price per share and the proposed maximum aggregate offering price are estimated solely for purposes of calculating the registration fee and are based, pursuant to Rule 457(c) and 457(h) under the Securities Act of 1933, upon the average of the high and low prices of the Common Stock on November 12, 2025, as reported on the New York Stock Exchange.

Table 2: Fee Offset Claims and Sources ☑Not Applicable
Registrant or Filer Name Form or Filing Type File Number Initial Filing Date Filing Date Fee Offset Claimed Security Type Associated with Fee Offset Claimed Security Title Associated with Fee Offset Claimed Unsold Securities Associated with Fee Offset Claimed Unsold Aggregate Offering Amount Associated with Fee Offset Claimed Fee Paid with Fee Offset Source
Rule 457(p)
Fee Offset Claims N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A
Fee Offset Sources N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A