X0609 4 2026-09-30 0 0001253986 ARBOR REALTY TRUST INC ABR 0001204117 BACON KENNETH J false C/O ARBOR REALTY TRUST, INC. 333 EARLE OVINGTON BLVD, SUITE 900 UNIONDALE NY 11553 1 0 0 0 0 Restricted Stock Units 2026-09-30 4 A 0 6029 3.94 A Common Stock, par value $0.01 per share 6029 42253 D Mr. Bacon has elected to defer his cash compensation earned in 2026 for his service as a director until January 2028, or sooner upon a change in control or his service as a director is terminated, pursuant to a pre-established deferral election. Therefore, Mr. Bacon received 6,029 fully vested Restricted Stock Units of Arbor Realty Trust, Inc. (the "Company") on September 30, 2026 (the date the Company paid out the cash compensation to its directors), pursuant to the terms of the director deferred compensation plan, in lieu of his cash compensation earned. /s/ John Bishar, Attomey-in-Fact for Kenneth J. Bacon 2026-10-01