Ellington Credit Co — Director's Dealing 2026

Jan 5, 2026

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: Ellington Credit Co (EARN)
CIK: 0001560672
Period of Report: 2025-12-31

Reporting Person: Smernoff Chris (Chief Financial Officer)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2025-12-31	Common shares of beneficial interest	F	2468	$5.17	Disposed	24746	Direct

Footnotes

F1: On December 31, 2025, Ellington Credit Company (the "Issuer") withheld 2,468 common shares of beneficial interest (the "Common Shares") of the Issuer from Mr. Smernoff for payment of the tax liability incident to the vesting of Common Shares granted by the Issuer pursuant to the terms of the Issuer's now-dissolved 2023 Equity Incentive Plan.