X0609 4 2026-08-28 0 0001253986 ARBOR REALTY TRUST INC ABR 0001218403 LAZAR MELVIN F false C/O ARBOR REALTY TRUST, INC. 333 EARLE OVINGTON BLVD, SUITE 900 UNIONDALE NY 11553 1 0 0 0 0 Restricted Stock Units 2026-08-28 4 A 0 1842 5.02 A Common Stock, par value $0.01 per share 1842 56266 D On August 28, 2026, Mr. Lazar received 1,842 fully vested Restricted Stock Units ("RSUs") of Arbor Realty Trust, Inc. in lieu of the dividend equivalent due on Mr. Lazar's existing RSUs. 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. /s/ Maysa Vahidi, Attorney-in-Fact for Melvin F. Lazar 2026-09-01