Director Granted Restricted Stock Units

Melvin F. Lazar, a director at Arbor Realty Trust Inc., was granted 15,141 fully vested restricted stock units (RSUs) on March 13, 2026. These RSUs are part of the company's 2024 Amended Omnibus Stock Incentive Plan. Mr. Lazar has elected to defer the receipt of the underlying common stock until his directorship ends, or until a change in control occurs, as per a pre-existing deferral agreement. The RSUs are convertible into Arbor Realty Trust, Inc. common stock, par value $0.01 per share. Following this grant, Mr. Lazar's post-transaction ownership of these RSUs is 51,242 shares.