Ellington Credit Company (EARN) declares $0.08 monthly dividend for shareholders

Rhea-AI Filing Summary

Ellington Credit Company reported that its Board of Trustees has declared a monthly cash dividend of $0.08 per common share. This dividend will be paid on November 28, 2025 to common shareholders who are on record as of October 31, 2025.

The company also noted that it issued a press release on October 7, 2025 with further details, which is included as an exhibit to this report.

8-K Event Classification

2 items: 8.01, 9.01

2 items

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): October 7, 2025

Ellington Credit Company

(Exact name of registrant specified in its charter)

Delaware

001-35896

46-0687599

(State or Other Jurisdiction Of Incorporation)

(Commission File Number)

(IRS Employer Identification No.)

53 Forest Avenue

Old Greenwich, CT 06870

(Address of principal executive offices, zip code)

Registrant's telephone number, including area code: (203) 698-1200

Not applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class

Trading Symbol(s)

Name of Each Exchange on Which Registered

Common Shares of Beneficial Interest, $0.01 par value per share

EARN

The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company    ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.     ☐

Item 8.01    Other Events.

On October 7, 2025, Ellington Credit Company issued a press release announcing that its Board of Trustees declared a monthly dividend of $0.08 per share, payable on November 28, 2025 to common shareholders of record as of October 31, 2025.

A copy of the press release is filed herewith as Exhibit 99.1 to this current report on Form 8-K and the information related to the dividend is incorporated herein by reference.

Item 9.01    Financial Statements and Exhibits.

(d) Exhibits. The following exhibit is being furnished herewith this Current Report on Form 8-K.

99.1    Press Release dated October 7, 2025

104    Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

									ELLINGTON CREDIT COMPANY
Dated:			October 7, 2025			By:			/s/ Christopher Smernoff
									Christopher Smernoff
									Chief Financial Officer

FAQ

What dividend did Ellington Credit Company (EARN) declare in this 8-K?

Ellington Credit Company declared a monthly dividend of $0.08 per common share, as approved by its Board of Trustees.

What are the record and payment dates for Ellington Credit Company (EARN)'s dividend?

The dividend is payable on November 28, 2025 to common shareholders of record as of October 31, 2025.

Which class of securities receives the $0.08 dividend at Ellington Credit Company (EARN)?

The common shares of beneficial interest, with a par value of $0.01 per share, are entitled to the declared $0.08 monthly dividend.

What did Ellington Credit Company (EARN) file as an exhibit related to the dividend?

Ellington Credit Company furnished a press release dated October 7, 2025 as Exhibit 99.1 containing additional information about the dividend.

Who signed the Ellington Credit Company (EARN) dividend-related report?

The report was signed on behalf of Ellington Credit Company by Christopher Smernoff, Chief Financial Officer, dated October 7, 2025.