ABR

SEC source: 0001104659-26-029693 · tm268997-12_4seq1.xml · nonDerivative · entry 2

Vahidi Maysa · CIK 0001932313 · EVP General Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 31,563

F1 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-26-029693 · tm268997-12_4seq1.xml · nonDerivative · entry 1

Vahidi Maysa · CIK 0001932313 · EVP General Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 33,662

F1 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-26-029689 · tm268997-11_4seq1.xml · nonDerivative · entry 4

Katz Steve · CIK 0001767589 · EVP, Chief Invest Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 221,675

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-26-029689 · tm268997-11_4seq1.xml · nonDerivative · entry 3

Katz Steve · CIK 0001767589 · EVP, Chief Invest Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 228,318

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-26-029675 · tm268997-1_4seq1.xml · derivative · entry 4

KAUFMAN IVAN · CIK 0000942473 · Director · COB, CEO and President

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 2,246,607

Underlying: Common Stock, par value $0.01 per share · 1,126,760 shares

Expires not disclosed

F3 · derivative.exercise_price: Each restricted stock unit represents the contingent right to receive one share of common stock upon vesting of the unit.

F4 · derivative.exercise_date: The shares of common stock are issuable to Mr. Kaufman if the Company achieves certain total shareholder return objectives for the four-year period ending December 31, 2029, generally subject to continued employment with the Company as of the end of such four-year performance period.

F4 · derivative.expiration_date: The shares of common stock are issuable to Mr. Kaufman if the Company achieves certain total shareholder return objectives for the four-year period ending December 31, 2029, generally subject to continued employment with the Company as of the end of such four-year performance period.

SEC source: 0001104659-26-029675 · tm268997-1_4seq1.xml · nonDerivative · entry 1

KAUFMAN IVAN · CIK 0000942473 · Director · COB, CEO and President

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,936,806

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. The shares vest in full three years after the grant date.

SEC source: 0001104659-26-029698 · tm268997-15_4seq1.xml · nonDerivative · entry 2

Wachter Kevin · CIK 0002078110 · EVP, Asset Finance & Treasury

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 95,678

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-26-029698 · tm268997-15_4seq1.xml · nonDerivative · entry 1

Wachter Kevin · CIK 0002078110 · EVP, Asset Finance & Treasury

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 104,334

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

SEC source: 0001104659-26-029694 · tm268997-13_4seq1.xml · nonDerivative · entry 2

Ridings Thomas J. · CIK 0001409876 · Chief Accounting Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 142,015

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-26-029694 · tm268997-13_4seq1.xml · nonDerivative · entry 1

Ridings Thomas J. · CIK 0001409876 · Chief Accounting Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 144,756

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

SEC source: 0001104659-26-029695 · tm268997-14_4seq1.xml · nonDerivative · entry 2

WEBER FRED · CIK 0001285199 · EVP-Structured Finance

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 523,150

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-26-029695 · tm268997-14_4seq1.xml · nonDerivative · entry 1

WEBER FRED · CIK 0001285199 · EVP-Structured Finance

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 527,901

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

SEC source: 0001104659-26-029680 · tm268997-5_4seq1.xml · derivative · entry 1

FARRELL EDWARD J · CIK 0001270609 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 50,310

Underlying: Common Stock, par value $0.01 per share · 15,141 shares

Expires not disclosed

F1 · derivative.exercise_price: On March 13, 2026, Mr. Farrell was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Farrell has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · kind: On March 13, 2026, Mr. Farrell was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Farrell has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.exercise_date: On March 13, 2026, Mr. Farrell was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Farrell has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.expiration_date: On March 13, 2026, Mr. Farrell was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Farrell has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

SEC source: 0001104659-26-029678 · tm268997-3_4seq1.xml · derivative · entry 1

BACON KENNETH J · CIK 0001204117 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 25,567

Underlying: Common Stock, par value $0.01 per share · 15,141 shares

Expires not disclosed

F1 · derivative.exercise_price: On March 13, 2026, Mr. Bacon was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Bacon has elected to defer receipt of the common stock into which the RSUs are converted until January 1, 2029.

F1 · kind: On March 13, 2026, Mr. Bacon was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Bacon has elected to defer receipt of the common stock into which the RSUs are converted until January 1, 2029.

F1 · derivative.exercise_date: On March 13, 2026, Mr. Bacon was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Bacon has elected to defer receipt of the common stock into which the RSUs are converted until January 1, 2029.

F1 · derivative.expiration_date: On March 13, 2026, Mr. Bacon was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Bacon has elected to defer receipt of the common stock into which the RSUs are converted until January 1, 2029.

SEC source: 0001104659-26-029683 · tm268997-7_4seq1.xml · derivative · entry 1

LAZAR MELVIN F · CIK 0001218403 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 51,242

Underlying: Common Stock, par value $0.01 per share · 15,141 shares

Expires not disclosed

F1 · derivative.exercise_price: On March 13, 2026, Mr. Lazar was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Lazar has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · kind: On March 13, 2026, Mr. Lazar was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Lazar has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.exercise_date: On March 13, 2026, Mr. Lazar was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Lazar has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.expiration_date: On March 13, 2026, Mr. Lazar was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Lazar has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

SEC source: 0001104659-26-029703 · tm268997-20_4seq1.xml · nonDerivative · entry 2

Elenio Paul · CIK 0001338657 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 388,108

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-26-029703 · tm268997-20_4seq1.xml · nonDerivative · entry 1

Elenio Paul · CIK 0001338657 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 399,073

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

SEC source: 0001104659-26-029702 · tm268997-19_4seq1.xml · nonDerivative · entry 2

Ottaviano Gianni · CIK 0001933834 · Exec VP, Struc Fin Prod

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 178,837

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-26-029702 · tm268997-19_4seq1.xml · nonDerivative · entry 1

Ottaviano Gianni · CIK 0001933834 · Exec VP, Struc Fin Prod

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 181,934

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

SEC source: 0001104659-26-029701 · tm268997-18_4seq1.xml · nonDerivative · entry 2

Kilgore Gene · CIK 0001308193 · EVP

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 274,507

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-26-029701 · tm268997-18_4seq1.xml · nonDerivative · entry 1

Kilgore Gene · CIK 0001308193 · EVP

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 281,086

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

SEC source: 0001104659-26-029700 · tm268997-17_4seq1.xml · nonDerivative · entry 2

GUZIEWICZ ANDREW · CIK 0001571180 · Chief Credit Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 108,546

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-26-029700 · tm268997-17_4seq1.xml · nonDerivative · entry 1

GUZIEWICZ ANDREW · CIK 0001571180 · Chief Credit Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 110,095

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

SEC source: 0001104659-26-029699 · tm268997-16_4seq1.xml · nonDerivative · entry 2

van der Reis Dennis · CIK 0001783121 · EVP, Structured Asset Mgmt

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 249,474

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-26-029699 · tm268997-16_4seq1.xml · nonDerivative · entry 1

van der Reis Dennis · CIK 0001783121 · EVP, Structured Asset Mgmt

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 258,771

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

SEC source: 0001104659-26-029689 · tm268997-11_4seq1.xml · nonDerivative · entry 2

Katz Steve · CIK 0001767589 · EVP, Chief Invest Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 239,507

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-26-029689 · tm268997-11_4seq1.xml · nonDerivative · entry 1

Katz Steve · CIK 0001767589 · EVP, Chief Invest Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 252,116

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

SEC source: 0001104659-26-029688 · tm268997-10_4seq1.xml · nonDerivative · entry 1

Wilkens Carrie · CIK 0001998608 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 35,420

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the "Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan.

SEC source: 0001104659-26-029685 · tm268997-9_4seq1.xml · derivative · entry 1

Schwartz Elliot · CIK 0001742856 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 50,310

Underlying: Common Stock, par value $0.01 per share · 15,141 shares

Expires not disclosed

F1 · derivative.exercise_price: On March 13, 2026, Mr. Schwartz was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Schwartz has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · kind: On March 13, 2026, Mr. Schwartz was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Schwartz has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.exercise_date: On March 13, 2026, Mr. Schwartz was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Schwartz has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.expiration_date: On March 13, 2026, Mr. Schwartz was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Schwartz has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

SEC source: 0001104659-26-029684 · tm268997-8_4seq1.xml · nonDerivative · entry 1

Tsunis George · CIK 0001682121 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 23,063

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the "Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan.

SEC source: 0001104659-26-029682 · tm268997-6_4seq1.xml · derivative · entry 1

Green William C · CIK 0001544002 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 61,045

Underlying: Common Stock, par value $0.01 per share · 15,141 shares

Expires not disclosed

F1 · derivative.exercise_price: On March 13, 2026, Mr. Green was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Green has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · kind: On March 13, 2026, Mr. Green was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Green has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.exercise_date: On March 13, 2026, Mr. Green was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Green has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.expiration_date: On March 13, 2026, Mr. Green was granted 15,141 fully vested restricted stock units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Green has elected to defer receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

SEC source: 0001104659-26-029679 · tm268997-4_4seq1.xml · nonDerivative · entry 1

Effron Caryn · CIK 0001897248 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 50,827

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the "Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan.

SEC source: 0001104659-26-029677 · tm268997-2_4seq1.xml · derivative · entry 1

Goodman Yonatan C · CIK 0002111215 · EVP and COO

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 649,350

Underlying: Common Stock, par value $0.01 per share · 649,350 shares

Expires not disclosed

F1 · derivative.exercise_price: Each restricted stock unit represents the contingent right to receive one share of common stock of Arbor Realty Trust, Inc. (the "Company") upon vesting of the unit.

F2 · derivative.exercise_date: The shares of common stock are issuable to Mr. Goodman if the Company achieves certain total shareholder return objectives from February 17, 2026 through December 31, 2030 (the "Performance Period"), generally subject to continued employment with the Company as of the end of such Performance Period.

F2 · derivative.expiration_date: The shares of common stock are issuable to Mr. Goodman if the Company achieves certain total shareholder return objectives from February 17, 2026 through December 31, 2030 (the "Performance Period"), generally subject to continued employment with the Company as of the end of such Performance Period.

SEC source: 0001104659-25-117324 · tm2532463-3_4seq1.xml · nonDerivative · entry 1

Green William C · CIK 0001544002 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 205,418

F1 · price: Represents the average cost per share. The shares purchased on November 28, 2025 were purchased at various prices ranging from $8.99 - $9.03 per share.

SEC source: 0001104659-25-117323 · tm2532463-2_4seq1.xml · derivative · entry 1

BACON KENNETH J · CIK 0001204117 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 10,426

Underlying: Common Stock, par value $0.01 per share · 335 shares

Expires not disclosed

F1 · derivative.exercise_price: On November 26, 2025, Mr. Bacon received 335 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Bacon's existing RSUs and paid by the Company on November 26, 2025. Mr. Bacon has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until January 1, 2027, or sooner upon a change in control or his service as a director is terminated, pursuant to a pre-established deferral election.

F1 · kind: On November 26, 2025, Mr. Bacon received 335 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Bacon's existing RSUs and paid by the Company on November 26, 2025. Mr. Bacon has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until January 1, 2027, or sooner upon a change in control or his service as a director is terminated, pursuant to a pre-established deferral election.

F1 · derivative.exercise_date: On November 26, 2025, Mr. Bacon received 335 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Bacon's existing RSUs and paid by the Company on November 26, 2025. Mr. Bacon has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until January 1, 2027, or sooner upon a change in control or his service as a director is terminated, pursuant to a pre-established deferral election.

F1 · derivative.expiration_date: On November 26, 2025, Mr. Bacon received 335 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Bacon's existing RSUs and paid by the Company on November 26, 2025. Mr. Bacon has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until January 1, 2027, or sooner upon a change in control or his service as a director is terminated, pursuant to a pre-established deferral election.

SEC source: 0001104659-25-117321 · tm2532463-1_4seq1.xml · derivative · entry 1

LAZAR MELVIN F · CIK 0001218403 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 36,101

Underlying: Common Stock, par value $0.01 per share · 1,161 shares

Expires not disclosed

F1 · derivative.exercise_price: On November 26, 2025, Mr. Lazar received 1,161 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Lazar's existing RSUs and paid by the Company on November 26, 2025. Mr. Lazar has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · kind: On November 26, 2025, Mr. Lazar received 1,161 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Lazar's existing RSUs and paid by the Company on November 26, 2025. Mr. Lazar has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.exercise_date: On November 26, 2025, Mr. Lazar received 1,161 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Lazar's existing RSUs and paid by the Company on November 26, 2025. Mr. Lazar has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F1 · derivative.expiration_date: On November 26, 2025, Mr. Lazar received 1,161 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Lazar's existing RSUs and paid by the Company on November 26, 2025. Mr. Lazar has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

SEC source: 0001104659-25-117324 · tm2532463-3_4seq1.xml · derivative · entry 2

Green William C · CIK 0001544002 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 45,904

Underlying: Common Stock, par value $0.01 per share · 1,476 shares

Expires not disclosed

F2 · derivative.exercise_price: On November 26, 2025, Mr. Green received 1,476 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Green's existing RSUs and paid by the Company on November 26, 2025. Mr. Green has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F2 · kind: On November 26, 2025, Mr. Green received 1,476 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Green's existing RSUs and paid by the Company on November 26, 2025. Mr. Green has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F2 · derivative.exercise_date: On November 26, 2025, Mr. Green received 1,476 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Green's existing RSUs and paid by the Company on November 26, 2025. Mr. Green has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

F2 · derivative.expiration_date: On November 26, 2025, Mr. Green received 1,476 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Green's existing RSUs and paid by the Company on November 26, 2025. Mr. Green has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until his service as a director is terminated, or sooner upon a change in control, pursuant to a pre-established deferral election.

SEC source: 0001104659-25-113287 · tm2531364-2_4seq1.xml · nonDerivative · entry 2

KAUFMAN IVAN · CIK 0000942473 · Director · COB, CEO and President

10b5-1 filing: No plan indicated

Ownership: Indirect · By IK Main LLC, wholly owned and managed by reporting person

Disclosed balance after: 54,000

F1 · price: Represents the average cost per share. The shares purchased on November 17, 2025 were purchased at various prices ranging from $8.25 - $8.36 per share.

SEC source: 0001104659-25-113661 · tm2531364-1_4seq1.xml · derivative · entry 8

KAUFMAN IVAN · CIK 0000942473 · Director · COB, CEO and President

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 0

Underlying: Common Stock, par value $0.01 per share · 80,161 shares

Expires not disclosed

F1 · kind: Transfer of shares from direct ownership to IK Main LLC, a limited liability company wholly owned and controlled by Mr. Kaufman. The transfer was made for administrative convenience and did not involve a sale of securities or change in beneficial ownership.

F3 · derivative.exercise_date: Not applicable.

F3 · derivative.expiration_date: Not applicable.

SEC source: 0001104659-25-113661 · tm2531364-1_4seq1.xml · derivative · entry 7

KAUFMAN IVAN · CIK 0000942473 · Director · COB, CEO and President

10b5-1 filing: No plan indicated

Ownership: Indirect · By IK Main LLC, wholly owned and managed by reporting person

Disclosed balance after: 80,161

Underlying: Common Stock, par value $0.01 per share · 80,161 shares

Expires not disclosed

F1 · kind: Transfer of shares from direct ownership to IK Main LLC, a limited liability company wholly owned and controlled by Mr. Kaufman. The transfer was made for administrative convenience and did not involve a sale of securities or change in beneficial ownership.

F3 · derivative.exercise_date: Not applicable.

F3 · derivative.expiration_date: Not applicable.

SEC source: 0001104659-25-113661 · tm2531364-1_4seq1.xml · nonDerivative · entry 5

KAUFMAN IVAN · CIK 0000942473 · Director · COB, CEO and President

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 0

F1 · kind: Transfer of shares from direct ownership to IK Main LLC, a limited liability company wholly owned and controlled by Mr. Kaufman. The transfer was made for administrative convenience and did not involve a sale of securities or change in beneficial ownership.

SEC source: 0001104659-25-113661 · tm2531364-1_4seq1.xml · nonDerivative · entry 4

KAUFMAN IVAN · CIK 0000942473 · Director · COB, CEO and President

10b5-1 filing: No plan indicated

Ownership: Indirect · By IK Main LLC, wholly owned and managed by reporting person

Disclosed balance after: 80,161

F1 · kind: Transfer of shares from direct ownership to IK Main LLC, a limited liability company wholly owned and controlled by Mr. Kaufman. The transfer was made for administrative convenience and did not involve a sale of securities or change in beneficial ownership.

SEC source: 0001104659-25-113661 · tm2531364-1_4seq1.xml · nonDerivative · entry 2

KAUFMAN IVAN · CIK 0000942473 · Director · COB, CEO and President

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 1,655,116

F1 · kind: Transfer of shares from direct ownership to IK Main LLC, a limited liability company wholly owned and controlled by Mr. Kaufman. The transfer was made for administrative convenience and did not involve a sale of securities or change in beneficial ownership.

SEC source: 0001104659-25-113661 · tm2531364-1_4seq1.xml · nonDerivative · entry 1

KAUFMAN IVAN · CIK 0000942473 · Director · COB, CEO and President

10b5-1 filing: No plan indicated

Ownership: Indirect · By IK Main LLC, wholly owned and managed by reporting person

Disclosed balance after: 388,700

F1 · kind: Transfer of shares from direct ownership to IK Main LLC, a limited liability company wholly owned and controlled by Mr. Kaufman. The transfer was made for administrative convenience and did not involve a sale of securities or change in beneficial ownership.

SEC source: 0001104659-25-113659 · tm2531524-2_4seq1.xml · nonDerivative · entry 1

Friedman David Erwin · CIK 0002022853 · CCO & Head of Non-Agcy Prod

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 70,921

SEC source: 0001104659-25-113654 · tm2531524-1_4seq1.xml · nonDerivative · entry 1

LAZAR MELVIN F · CIK 0001218403 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 239,714

SEC source: 0001104659-25-113287 · tm2531364-2_4seq1.xml · nonDerivative · entry 1

KAUFMAN IVAN · CIK 0000942473 · Director · COB, CEO and President

10b5-1 filing: No plan indicated

Ownership: Indirect · By IK Main LLC, wholly owned and managed by reporting person

Disclosed balance after: 25,000

SEC source: 0001104659-25-090836 · tm2526222-1_4seq1.xml · nonDerivative · entry 2

Wachter Kevin · CIK 0002078110 · EVP, Asset Finance & Treasury

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 39,902

F2 · kind: Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock.

SEC source: 0001104659-25-090836 · tm2526222-1_4seq1.xml · nonDerivative · entry 1

Wachter Kevin · CIK 0002078110 · EVP, Asset Finance & Treasury

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 46,517

F1 · price: Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2024 Amended Omnibus Stock Incentive Plan. One third vest on the date of grant, one third vest in one year and one third vest in two years.

SEC source: 0001104659-25-087033 · tm2525000-1_4seq1.xml · derivative · entry 1

BACON KENNETH J · CIK 0001204117 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 10,091

Underlying: Common Stock, par value $0.01 per share · 248 shares

Expires not disclosed

F1 · derivative.exercise_price: On August 29, 2025, Mr. Bacon received 248 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Bacon's existing RSUs and paid by the Company on August 29, 2025. Mr. Bacon has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until January 1, 2027, or sooner upon a change in control or his service as a director is terminated, pursuant to a pre-established deferral election.

F1 · kind: On August 29, 2025, Mr. Bacon received 248 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Bacon's existing RSUs and paid by the Company on August 29, 2025. Mr. Bacon has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until January 1, 2027, or sooner upon a change in control or his service as a director is terminated, pursuant to a pre-established deferral election.

F1 · derivative.exercise_date: On August 29, 2025, Mr. Bacon received 248 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Bacon's existing RSUs and paid by the Company on August 29, 2025. Mr. Bacon has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until January 1, 2027, or sooner upon a change in control or his service as a director is terminated, pursuant to a pre-established deferral election.

F1 · derivative.expiration_date: On August 29, 2025, Mr. Bacon received 248 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. (the "Company") in lieu of the dividend equivalent due on Mr. Bacon's existing RSUs and paid by the Company on August 29, 2025. Mr. Bacon has elected to defer his dividend equivalents and receipt of the common stock into which the RSUs are converted until January 1, 2027, or sooner upon a change in control or his service as a director is terminated, pursuant to a pre-established deferral election.