Arbor Realty director granted 1,452 RSUs

LAZAR MELVIN F reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

LAZAR MELVIN F reported acquisition or exercise transactions in this Form 4 filing.

Arbor Realty Trust director Melvin F. Lazar reported receiving 1,452 fully vested Restricted Stock Units (RSUs) of common stock on March 24, 2026. These RSUs were granted in lieu of a dividend equivalent on his existing RSUs that was paid by the company on the same date.

According to his pre-established deferral election, Mr. Lazar has deferred receipt of the underlying common shares and related dividend equivalents until his board service ends, or earlier if there is a change in control. Following this grant, he holds 52,694 RSUs directly.

Insider Trade Summary

Grant/Award: 1,452 shares

Grant/Award 1 txn

Insider LAZAR MELVIN F

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Restricted Stock Units	1,452	$7.46	$11K

Holdings After Transaction: Restricted Stock Units — 52,694 contracts (Direct)

Footnotes (1)

1. F1. On March 24, 2026, Mr. Lazar received 1,452 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 March 24, 2026. 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.

FAQ

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What insider transaction did Arbor Realty Trust (ABR) disclose for Melvin F. Lazar?

Arbor Realty Trust reported that director Melvin F. Lazar received 1,452 fully vested RSUs on March 24, 2026. These units were granted as a dividend equivalent on his existing RSUs, paid by the company on the same date.

How many Restricted Stock Units did Melvin F. Lazar receive from Arbor Realty Trust (ABR)?

Melvin F. Lazar received 1,452 fully vested Restricted Stock Units tied to Arbor Realty Trust common stock. The RSUs represent a dividend equivalent on his existing RSUs, rather than a cash dividend, and increase his deferred equity-based compensation.

Why did Arbor Realty Trust (ABR) grant 1,452 RSUs to director Melvin F. Lazar?

The 1,452 RSUs were granted to Melvin F. Lazar in lieu of a cash dividend equivalent on his existing RSUs. Instead of receiving the dividend in cash, he was issued fully vested RSUs representing that dividend value on March 24, 2026.

When will Melvin F. Lazar receive Arbor Realty Trust (ABR) common shares for these RSUs?

Under his deferral election, Melvin F. Lazar will receive the Arbor Realty Trust common shares underlying these RSUs when his service as a director ends, or sooner if there is a change in control, rather than immediately upon grant.

How many Arbor Realty Trust RSUs does Melvin F. Lazar hold after this Form 4 transaction?

After this grant, Melvin F. Lazar holds 52,694 RSUs directly. This total includes the newly received 1,452 fully vested RSUs tied to Arbor Realty Trust common stock and reflects his equity-based position following the March 24, 2026 award.

Are the new Arbor Realty Trust (ABR) RSUs for Melvin F. Lazar immediately vested and settled?

The 1,452 RSUs are fully vested as of March 24, 2026, but settlement is deferred. Mr. Lazar elected to delay receiving the underlying common shares and dividend equivalents until his board service ends or a change in control occurs.

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Accepted by SEC EDGAR 03/25/2026 - 04:40 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

LAZAR MELVIN F

(Last) (First) (Middle)

C/O ARBOR REALTY TRUST, INC.

333 EARLE OVINGTON BLVD, SUITE 900

(Street)

UNIONDALE NEW YORK 11553

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
ARBOR REALTY TRUST INC [ ABR ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
03/24/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	(1)	03/24/2026		A(1)		1,452		(1)	(1)	Common Stock, par value $0.01 per share	1,452	$7.46	52,694	D

Explanation of Responses:

1. On March 24, 2026, Mr. Lazar received 1,452 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 March 24, 2026. 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	03/25/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)