Chris Smernoff - 31 Dec 2025 Form 4 Insider Report for Ellington Credit Co (EARN)

Role
Chief Financial Officer
Signature
/s/ Alaael-Deen Shilleh, as attorney-in-fact for Christopher Smernoff
Issuer symbol
EARN
Transactions as of
31 Dec 2025
Net transactions value
-$12,760
Form type
4
Filing time
05 Jan 2026, 16:23:08 UTC
Previous filing
19 Dec 2025
SEC
View on sec.gov

Reporting Owners (1)

Name Relationship Address Signature Signature date CIK
Smernoff Chris Chief Financial Officer 53 FOREST AVENUE, OLD GREENWICH /s/ Alaael-Deen Shilleh, as attorney-in-fact for Christopher Smernoff 05 Jan 2026 0001732958

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction EARN Common shares of beneficial interest Tax liability $12,760 -2,468 -9.1% $5.17 24,746 31 Dec 2025 Direct F1
* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id Content
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.