X0508 4 2026-03-13 0 0001253986 ARBOR REALTY TRUST INC ABR 0001218403 LAZAR MELVIN F C/O ARBOR REALTY TRUST, INC. 333 EARLE OVINGTON BLVD, SUITE 900 UNIONDALE NY 11553 1 0 0 0 0 Restricted Stock Units 2026-03-13 4 A 0 15141 0 A Common Stock, par value $0.01 per share 15141 51242 D 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. /s/ Maysa Vahidi, Attorney-in-Fact for Melvin F. Lazar 2026-03-17