Melvin F. Lazar - 26 Nov 2025 Form 4 Insider Report for ARBOR REALTY TRUST INC (ABR)

Role: Director
Signature: /s/ Maysa Vahidi, Attorney-in-Fact for Melvin F. Lazar
Issuer symbol: ABR
Transactions as of: 26 Nov 2025
Net transactions value: +$10,484
Form type: 4
Filing time: 01 Dec 2025, 16:15:15 UTC
Previous filing: 18 Nov 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
LAZAR MELVIN F	Director	C/O ARBOR REALTY TRUST, INC., 333 EARLE OVINGTON BLVD, SUITE 900, UNIONDALE	/s/ Maysa Vahidi, Attorney-in-Fact for Melvin F. Lazar	01 Dec 2025	0001218403

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	ABR	Restricted Stock Units	Award	$10,484	+1,161	+3.3%	$9.03	36,101	26 Nov 2025	Common Stock, par value $0.01 per share	1,161		Direct	F1

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	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.

Content

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.