X0609 4 2026-09-15 0 0001253986 ARBOR REALTY TRUST INC ABR 0002078110 Wachter Kevin false C/O ARBOR REALTY TRUST, INC. 333 EARLE OVINGTON BLVD, SUITE 900 UNIONDALE NY 11553 0 1 0 0 EVP, Asset Finance & Treasury 0 Common Stock, par value $0.01 per share 2026-09-15 4 A 0 21786 A 117464 D Common Stock, par value $0.01 per share 2026-09-15 4 F 0 9179 4.59 D 108285 D Shares of common stock par value $0.01 per share of Arbor Realty Trust, Inc. (the"Company") granted pursuant to the Company's 2026 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. Represents shares that have been withheld by the Company to satisfy tax-withholding obligations in connection with the vesting of common stock. /s/ Maysa Vahidi, Attorney-in-Fact for Kevin Wachter 2026-09-17