Results of Operations and Financial Condition. On July 31, 2026, Arbor Realty Trust, Inc. issued a press release announcing its earnings for the quarter ended June 30, 2026, a copy of which is attached hereto as Exhibit 99.1.

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in

Unregistered Sales of Equity Securities. The information set forth in

Entry into a Material Definitive Agreement. Indenture and Notes On July 6, 2026, Arbor Realty Trust, Inc., a Maryland corporation (the “ Company ”), completed the issuance and sale of $375 million aggregate principal amount, including the Option (as defined below), of its 6.25% Convertible Senior Notes due 2029 (the “ Notes ”) pursuant to a purchase agreement (the “ Purchase Agreement ”), by and among the Company, Arbor Realty Limited Partnership, a Delaware limited partnership, and J.P. Morg…

Other Events. On June 30, 2026, Arbor Realty Trust, Inc. (the “ Company ”) priced an offering of $325 million aggregate principal amount of Convertible Senior Notes due 2029 (the “ Notes ”) in a private placement to qualified institutional buyers pursuant to Rule 144A under the Securities Act of 1933, as amended (the “ Securities Act ”), concurrently entered privately negotiated transactions to repurchase shares of its common stock through one of the initial purchasers or its affiliate, as it…

Results of Operations and Financial Condition. On May 8, 2026, Arbor Realty Trust, Inc. issued a press release announcing its earnings for the quarter ended March 31, 2026, a copy of which is attached hereto as Exhibit 99.1.

Entry into a Material Definitive Agreement. On March 23, 2026, Arbor Realty Trust, Inc. (“Arbor”) announced that its consolidated subsidiary, Arbor Realty Commercial Real Estate Notes 2026-FL1, LLC (the “Issuer”), issued $673,990,000 principal amount of investment grade-rated notes (the “Offered Notes”) and $88,657,903 principal amount of below investment grade-rated notes (collectively with the Offered Notes, the “Notes”), evidencing a commercial real estate mortgage loan securitization (the…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The aggregate principal amounts of the following nine classes of Notes (each, a “Class”) were issued pursuant to the terms of the Indenture: (1) $442,335,000 aggregate principal amount of Class A Senior Secured Floating Rate Notes (“Class A Notes”); (2) $92,471,000 aggregate principal amount of Class A-S Secured Floating Rate Notes (“Class A-S Notes”); (3) $46,713,000 aggregate p…

Results of Operations and Financial Condition. On February 27, 2026 , Arbor Realty Trust, Inc. issued a press release announcing its earnings for the fourth quarter and full year ended December 31, 2025, a copy of which is attached hereto as Exhibit 99.1.

Executive Vice President and Chief Operating Officer — Yoni Goodman: The company appointed Yoni Goodman as Executive Vice President and Chief Operating Officer.

Director — Joseph Martello: A long-serving director retired and was immediately replaced by a board appointment, representing an orderly succession rather than a sudden loss of senior management.

Entry into a Material Definitive Agreement. On December 16, 2025, Arbor Realty SR, Inc., a Maryland corporation (the “Issuer”) and a subsidiary of Arbor Realty Trust, Inc., a Maryland corporation (the “Parent”), completed the issuance and sale of $400 million aggregate principal amount of its 8.50% Senior Notes due 2028 (the “Notes”). The Notes were issued under an indenture, dated as of December 16, 2025 (the “Indenture”), among the Issuer, the Parent and UMB Bank, N.A., as trustee (the “Tru…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in

Other Events. On December 11, 2025, Arbor Realty Trust, Inc. (the “Parent”) announced that its subsidiary, Arbor Realty SR, Inc. (the “Issuer”), has priced an offering of $400 million aggregate principal amount of 8.50% Senior Notes due 2028 (the “Notes”) in a private offering to persons reasonably believed to be qualified institutional buyers pursuant to Rule 144A under the Securities Act of 1933, as amended (the “Securities Act”), and outside the United States to non-United States persons i…

Results of Operations and Financial Condition. On October 31, 2025, Arbor Realty Trust, Inc. issued a press release announcing its earnings for the quarter ended September 30, 2025, a copy of which is attached hereto as Exhibit 99.1.

Entry into a Material Definitive Agreement. On August 12, 2025, Arbor Realty Trust, Inc. (“Arbor”) announced that its consolidated subsidiary, Arbor Realty Commercial Real Estate Notes 2025-FL1, LLC (the “Issuer”), issued $933,187,000 principal amount of investment grade-rated notes (the “Offered Notes”) and $116,813,000 principal amount of below investment grade-rated notes (collectively with the Offered Notes, the “Notes”), evidencing a commercial real estate mortgage loan securitization (t…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The aggregate principal amounts of the following nine classes of Notes (each, a “Class”) were issued pursuant to the terms of the Indenture: (1) $577,500,000 aggregate principal amount of Class A Senior Secured Floating Rate Notes (“Class A Notes”); (2) $168,000,000 aggregate principal amount of Class A-S Secured Floating Rate Notes (“Class A-S Notes”); (3) $69,562,000 aggregate…

Results of Operations and Financial Condition. On August 1, 2025, Arbor Realty Trust, Inc. issued a press release announcing its earnings for the quarter ended June 30, 2025, a copy of which is attached hereto as Exhibit 99.1.

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in

Entry into a Material Definitive Agreement. On July 9, 2025, Arbor Realty SR, Inc., a Maryland corporation (the “Issuer”) and a subsidiary of Arbor Realty Trust, Inc., a Maryland corporation (the “Parent”), completed the issuance and sale of $500 million aggregate principal amount of its 7.875% Senior Notes due 2030 (the “Notes”). The Notes were issued under an indenture, dated as of July 9, 2025 (the “Indenture”), among the Issuer, the Parent and UMB Bank, N.A., as trustee (the “Trustee”). T…

Other Events. On July 2, 2025, Arbor Realty Trust, Inc. (the “Parent”) announced that its subsidiary, Arbor Realty SR, Inc. (the “Issuer”), has priced an offering of $500 million aggregate principal amount of 7.875% Senior Notes due 2030 (the “Notes”) in a private offering to persons reasonably believed to be qualified institutional buyers pursuant to Rule 144A under the Securities Act of 1933, as amended (the “Securities Act”), and outside the United States to non-United States persons in co…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The aggregate principal amounts of the following eleven classes of Notes (each, a “Class”) were issued pursuant to the terms of the Indenture: (1) $200,929,000 aggregate principal amount of Class A Senior Secured Floating Rate Notes (“Class A Notes”); (2) $200,000,000 aggregate principal amount of Class A-1R Senior Secured Revolving Floating Rate Notes (“Class A-1R Notes”); (3) C…

Entry into a Material Definitive Agreement. On May 30, 2025, a consolidated subsidiary of Arbor Realty Trust, Inc. (“Arbor”), Arbor Realty Commercial Real Estate Notes 2025-BTR1, LLC (the “Issuer”), issued $682,581,000 principal amount of investment grade-rated notes (the “Offered Notes”) and $119,277,115 principal amount of below investment grade-rated notes (collectively with the Offered Notes, the “Notes”), evidencing a commercial real estate mortgage loan securitization (the “Securitizati…

Results of Operations and Financial Condition. On May 2, 2025, Arbor Realty Trust, Inc. issued a press release announcing its earnings for the quarter ended March 31, 2025, a copy of which is attached hereto as Exhibit 99.1.

Director — George James Tsunis: The filing discloses the appointment of a former director to a newly created board seat, which is a routine governance action rather than an executive departure.