Company: ABR-PF
Filing Date: 2025-04-17
Form Type: DEF 14A
Source: 0001628280-25-018236
Chunk: 2

Company: ARBOR REALTY TRUST INC
Filing Date: 2025-04-17
Form: DEF 14A
Chunk 2
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--------------------|:----|:------------------------------------|
| Uniondale, New York |     | Corporate Secretary                 |

TABLE OF CONTENTS

#### Arbor Realty Trust, Inc.

#### 333 Earle Ovington Boulevard

#### Suite 900

#### Uniondale, New York 11553
<div align='center'>(516) 506-4200

_______________________</div>

### PROXY STATEMENT
<div align='center'>_______________________</div>

### FOR THE ANNUAL MEETING OF STOCKHOLDERS

#### To Be Held on May 21, 2025
TABLE OF CONTENTS

### TABLE OF CONTENTS
|                                                                                                                                  |     | Pages |
| GENERAL INFORMATION CONCERNING SOLICITATION AND VOTING                                                                           |     |     5 |
| BOARD OF DIRECTORS                                                                                                               |     |    10 |
| AUDIT COMMITTEE REPORT                                                                                                           |     |    21 |
| EXECUTIVE OFFICERS                                                                                                               |     |    22 |
| EXECUTIVE COMPENSATION                                                                                                           |     |    25 |
| SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT                                                                   |     |    42 |
| CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS                                                                                   |     |    45 |
| PROPOSAL NO. 1 — ELECTION OF DIRECTORS                                                                                           |     |    49 |
| PROPOSAL NO.2— RATIFICATION OF THE APPOINTMENT OF ERNST & YOUNG LLP AS OURINDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM FOR 2025 |     |    50 |
| PROPOSAL NO.3— ADVISORY VOTE ON NAMED EXECUTIVE OFFICER COMPENSATION                                                             |     |    51 |
| STOCKHOLDER PROPOSALS FOR 2026                                                                                                   |     |    52 |
| OTHER MATTERS                                                                                                                    |     |    52 |

<div align='center'>4</div>

TABLE OF CONTENTS

### GENERAL INFORMATION CONCERNING SOLICITATION AND VOTING
This proxy statement, the accompanying proxy card and notice of annual meeting are provided in connection with the solicitation of proxies by and on behalf of the Board of Directors of Arbor Realty Trust, Inc., a Maryland corporation, for use at the annual meeting of stockholders to be held in a virtual-only format on May 21, 2025,