Kaufman-linked entity reports 6.2% stake in Arbor Realty (NYSE: ABR)

Rhea-AI Filing Summary

Arbor Commercial Mortgage, LLC reported beneficial ownership of 13,019,800 shares of Arbor Realty Trust, Inc. common stock, representing 6.2% of the outstanding class as of December 31, 2025. All of these shares are held with shared voting and shared dispositive power, with no sole voting or dispositive authority.

The filing states that Ivan Kaufman beneficially owns these 13,019,800 shares because of his direct and indirect ownership interest in Arbor Commercial Mortgage, LLC. The Schedule 13G indicates that ownership remains above the 5% reporting threshold and confirms no change to a smaller, non-reportable position.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

Arbor Realty Trust, Inc.

(Name of Issuer)

Common Stock, par value $0.01 per share

(Title of Class of Securities)

038923108

(CUSIP Number)

12/31/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 038923108

1

Names of Reporting Persons

Arbor Commercial Mortgage, LLC

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

NEW YORK

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 13,019,800.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 13,019,800.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

13,019,800.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

6.2 %

12

Type of Reporting Person (See Instructions)

OO

SCHEDULE 13G

Item 1.
(a)	Name of issuer: Arbor Realty Trust, Inc.
(b)	Address of issuer's principal executive offices: 333 Earle Ovington Boulevard, Suite 900, Uniondale, New York, 11553
Item 2.
(a)	Name of person filing: Arbor Commercial Mortgage, LLC
(b)	Address or principal business office or, if none, residence: 333 Earle Ovington Boulevard, Suite 900 Uniondale, New York 11553
(c)	Citizenship: United States of America
(d)	Title of class of securities: Common Stock, par value $0.01 per share
(e)	CUSIP No.: 038923108
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: Ivan Kaufman beneficially owns 13,019,800 shares of common stock held directly by Arbor Commercial Mortgage, LLC ("ACM")*. * As of December 31, 2025, due to his direct and indirect ownership of approximately 35% of ACM, Ivan Kaufman beneficially owns the shares of common stock of ART that are held directly by ACM.
(b)	Percent of class: 6.2%
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 0
	(ii) Shared power to vote or to direct the vote: 13,019,800
	(iii) Sole power to dispose or to direct the disposition of: 0
	(iv) Shared power to dispose or to direct the disposition of: 13,019,800
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.	Certifications:
	Not Applicable

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Arbor Commercial Mortgage, LLC

Signature:	/s/ Ivan Kaufman
Name/Title:	Ivan Kaufman, Chief Executive Officer and President
Date:	02/13/2026

FAQ

What stake in Arbor Realty Trust (ABR) is reported in this Schedule 13G?

The filing reports that Arbor Commercial Mortgage, LLC beneficially owns 13,019,800 shares of Arbor Realty Trust common stock, representing 6.2% of the class as of December 31, 2025. This keeps the holder above the 5% threshold requiring Schedule 13G disclosure.

Who is the reporting person in the Arbor Realty Trust (ABR) Schedule 13G?

The reporting person is Arbor Commercial Mortgage, LLC, a New York entity with its principal office at 333 Earle Ovington Boulevard, Suite 900, Uniondale, New York 11553. The filing also states that Ivan Kaufman beneficially owns the same shares through his ownership interest in this entity.

How much voting power does the reporting holder have in Arbor Realty Trust (ABR)?

The reporting holder has shared voting power over 13,019,800 Arbor Realty Trust common shares and sole voting power over zero shares. It also has shared dispositive power over the same 13,019,800 shares and no sole dispositive power, indicating all decisions are made on a shared basis.

What percentage of Arbor Realty Trust (ABR) does Ivan Kaufman beneficially own?

The Schedule 13G states that Ivan Kaufman beneficially owns 13,019,800 shares of Arbor Realty Trust common stock, representing 6.2% of the class. His beneficial ownership arises from his direct and indirect ownership of approximately 35% of Arbor Commercial Mortgage, LLC, which directly holds the shares.

Does this Arbor Realty Trust (ABR) Schedule 13G show any sole control over the shares?

No. The filing reports zero shares with sole voting or sole dispositive power. All 13,019,800 Arbor Realty Trust common shares are listed with shared voting and shared dispositive power, meaning decisions about voting and disposition are not controlled unilaterally by the reporting person.