Company: ABR-PF
Filing Date: 2025-04-17
Form Type: DEF 14A
Source: 0001628280-25-018236
Chunk: 0

Company: ARBOR REALTY TRUST INC
Filing Date: 2025-04-17
Form: DEF 14A
Chunk 0
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TABLE OF CONTENTS

### UNITED STATES

### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### SCHEDULE 14A
<div align='center'>Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934</div>

| Filed by the Registrantx   |     |                                                                                 |
| Check the appropriate box: |     |                                                                                 |
| o                          |     | Preliminary Proxy Statement                                                     |
| o                          |     | Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) |
| x                          |     | Definitive Proxy Statement                                                      |
| o                          |     | Definitive Additional Materials                                                 |
| o                          |     | Soliciting Material Pursuant to § 240.14a-12                                    |

| ARBOR REALTY TRUST, INC.                         |
| (Name of Registrant as Specified in its Charter) |

| Payment of Filing Fee (Check the appropriate box): |     |                                                                                                      |
| x                                                  |     | No fee required.                                                                                     |
| o                                                  |     | Fee paid previously with preliminary materials.                                                      |
| o                                                  |     | Fee computed on table in exhibit required by Item 25(b) per Exchange Act Rules 14a-6(i)(1) and 0-11. |

As filed with the Commission on April 17, 2025

TABLE OF CONTENTS

April 17, 2025

Dear Fellow Stockholders:

On behalf of the Board of Directors, I cordially invite you to attend the annual meeting of stockholders of Arbor Realty Trust, Inc. (the “Company,” “Arbor,” “we,” “our,” and “us”), which will be held in a virtual-only format on May 21, 2025, at 11:00 a.m., Eastern Time (“ET”). The instructions to attend the annual meeting and vote, as well as the matters to be considered by the stockholders at the annual meeting, are described in detail in the accompanying materials.

It is important that you be represented at the annual meeting regardless of the number of shares you own or whether you are able to attend. As always, we encourage you to vote your shares prior to the annual meeting.

Let me urge you to mark, sign and date your proxy card today and return it in the envelope provided.

| Sincerely,                                      |
| IVAN KAUFMAN                                    
 Chairman