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Date of Report (Date of earliest event reported): June 25, 2026

(Exact name of registrant specified in its charter)

(Address of principal executive offices, zip code)

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

(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)

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, no par value

EARN

The New York Stock Exchange

8.50% Notes due 2031

ELLA

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.     ☐

On June 25, 2026, Ellington Credit Company (the “Fund”) held an annual meeting of shareholders (the "Annual Meeting"). Proxies for the Annual Meeting were solicited pursuant to Regulation 14A of the Securities Exchange Act of 1934, as amended. The final voting results for each of the matters submitted to a vote of the shareholders at the Annual Meeting are set forth below.

Votes regarding the election of six trustees, each of whom was elected to serve until the expiration of the term of office or until such time as their respective successors are elected and qualified, were as follows:

						For						Withheld						Broker Non-Votes
Robert B. Allardice, III						6,757,247						563,741						15,737,656
Mary McBride						6,792,432						528,556						15,737,656
David J. Miller						6,792,429						528,559						15,737,656
Laurence E. Penn						6,793,837						527,151						15,737,656
Ronald I. Simon, Ph.D.						6,702,438						618,550						15,737,656
Michael W. Vranos						6,727,919						593,069						15,737,656

Votes regarding the proposal to ratify the appointment of PricewaterhouseCoopers LLP as the Fund's independent registered public accounting firm for the year ending March 31, 2027 were as follows:

For

Against

Abstentions

Broker Non-Votes

21,741,032

649,202

668,410

*

* No broker non-votes arose in connection with this proposal due to the fact that the proposal was considered “routine” under New York Stock Exchange Rules.

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:			June 25, 2026			By:			/s/ Christopher Smernoff
									Christopher Smernoff
									Chief Financial Officer