# EDGAR Filing Document

**Accession Number:** 0001253986
**File Stem:** 0001253986-25-000025
**Filing Date:** 2025-12
**Character Count:** 10470
**Document Hash:** fc80465467fdadc6fbe2176a99295cef
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001253986-25-000025.hdr.sgml**: 20251211

**ACCESSION NUMBER**: 0001253986-25-000025

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 15

**CONFORMED PERIOD OF REPORT**: 20251211

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251211

**DATE AS OF CHANGE**: 20251211

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ARBOR REALTY TRUST INC
- **CENTRAL INDEX KEY:** 0001253986
- **STANDARD INDUSTRIAL CLASSIFICATION:** REAL ESTATE INVESTMENT TRUSTS [6798]
- **ORGANIZATION NAME:** 05 Real Estate & Construction
- **EIN:** 200057959
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-32136
- **FILM NUMBER:** 251565036

**BUSINESS ADDRESS:**
- **STREET 1:** 333 EARLE OVINGTON BOULEVARD
- **STREET 2:** SUITE 900
- **CITY:** UNIONDALE
- **STATE:** NY
- **ZIP:** 11553
- **BUSINESS PHONE:** 516-506-4200

**MAIL ADDRESS:**
- **STREET 1:** 333 EARLE OVINGTON BLVD STE.900
- **CITY:** UNIONDALE
- **STATE:** NY
- **ZIP:** 11553

?xml version='1.0' encoding='ASCII'? abr-20251211

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K**

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported): December 11, 2025**

**Arbor Realty Trust, Inc.**

(Exact name of registrant as specified in its charter)

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| | | |
|:---|:---|:---|
| **Maryland** | **001-32136** | **20-0057959** |
| (State or other jurisdiction of incorporation) | (Commission File Number) | (IRS Employer Identification No.) |

---

---

| | |
|:---|:---|
| **333 Earle Ovington Boulevard, Suite 900**<br>**Uniondale, NY** | **11553** |
| (Address of principal executive offices) | (Zip Code) |

---

Registrant's telephone number, including area code: **(516) 506-4200**

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

□ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

□ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

□ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

□ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading symbols** | **Name of each exchange on which registered** |
| Common Stock, par value $0.01 per share | ABR | **New York Stock Exchange** |
| Preferred Stock, 6.375% Series D Cumulative Redeemable, par value $0.01 per share | ABR-PD | **New York Stock Exchange** |
| Preferred Stock, 6.25% Series E Cumulative Redeemable, par value $0.01 per share | ABR-PE | **New York Stock Exchange** |
| Preferred Stock, 6.25% Series F Fixed-to-Floating Rate Cumulative Redeemable, par value $0.01 per share | ABR-PF | **New York Stock Exchange** |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company □

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. □

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**Item 8.01&nbsp;&nbsp;&nbsp;&nbsp;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 in compliance with Regulation S under the Securities Act. A copy of the press release announcing the pricing of the offering is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

The offer and sale of the Notes and the related guarantee have not been and will not be registered under the Securities Act or any state securities laws, and, unless so registered, the Notes and the related guarantee may not be offered or sold in the United States or to U.S. persons except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act and applicable state securities laws.

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**Item 9.01&nbsp;&nbsp;&nbsp;&nbsp;Financial Statements and Exhibits.**

(d) Exhibits

---

| | |
|:---|:---|
| **Exhibit Number** | **Exhibit** |
| <u>[99.1](exhibit991pressreleasedate.htm)</u> | <u>[Press release, dated](exhibit991pressreleasedate.htm)[December](exhibit991pressreleasedate.htm)[11](exhibit991pressreleasedate.htm)[, 2025.](exhibit991pressreleasedate.htm)</u> |
| 104 | Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document. |

---

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**SIGNATURE**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
| | **ARBOR REALTY TRUST, INC.** | **ARBOR REALTY TRUST, INC.** |
| Date: December 11, 2025 | By: | /s/ Paul Elenio |
|  | Name: | Paul Elenio |
|  | Title: | Chief Financial Officer |

---

## Exhibit 99.1

**Exhibit 99.1**

![arbormulti-brandxlogox3cxc.jpg](arbormulti-brandxlogox3cxc.jpg)

**Arbor Realty SR, Inc. Prices Offering of**

**$400 Million of 8.50% Senior Notes due 2028**

Uniondale, N.Y., December 11, 2025 — Arbor Realty Trust, Inc. ("Arbor") (NYSE: ABR) today 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 in compliance with Regulation S under the Securities Act. The Notes will be the senior, unsecured obligations of the Issuer and will be fully and unconditionally guaranteed on a senior, unsecured basis by Arbor. The offering is expected to close on December 16, 2025, subject to the satisfaction of customary closing conditions.

The Issuer intends to use a portion of the net proceeds of the offering to refinance, redeem or otherwise repay Arbor's remaining outstanding 7.75% Senior Notes due 2026 and 5.00% Senior Notes due 2026, and use any remaining proceeds from the offering for general corporate purposes.

The offer and sale of the Notes and the related guarantee have not been and will not be registered under the Securities Act or any state securities laws, and, unless so registered, the Notes and the related guarantee may not be offered or sold in the United States or to U.S. persons except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act and applicable state securities laws.

This press release shall not constitute an offer to sell or the solicitation of an offer to buy any securities, nor shall it constitute an offer, or the solicitation of any sale, of any securities in any jurisdiction in which such offer, solicitation or sale is unlawful.

------

**Exhibit 99.1**

**<u>About Arbor Realty Trust, Inc.</u>**

Arbor Realty Trust, Inc. (NYSE: ABR) is a nationwide real estate investment trust and direct lender, providing loan origination and servicing for multifamily, single-family rental (SFR) portfolios, and other diverse commercial real estate assets. Headquartered in New York, Arbor manages a multibillion-dollar servicing portfolio, specializing in government-sponsored enterprise products. Arbor is a leading Fannie Mae DUS® lender and Freddie Mac Optigo® Seller/Servicer, and an approved FHA Multifamily Accelerated Processing (MAP) lender. Arbor's product platform also includes bridge, CMBS, mezzanine and preferred equity loans. Rated by Standard and Poor's and Fitch Ratings, Arbor is committed to building on its reputation for service, quality, and customized solutions with an unparalleled dedication to providing our clients excellence over the entire life of a loan.

**<u>Safe Harbor Statement</u>**

Certain items in this press release may constitute forward-looking statements within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These statements are based on management's current expectations and beliefs and are subject to a number of trends and uncertainties that could cause actual results to differ materially from those described in the forward-looking statements. Arbor and the Issuer can give no assurance that their expectations will be attained. Factors that could cause actual results to differ materially from Arbor's and the Issuer's expectations include, but are not limited to, changes in economic conditions generally, and the real estate markets specifically, continued ability to source new investments, changes in interest rates and/or credit spreads, and other risks detailed in Arbor's Annual Report on Form 10-K for the year ended December 31, 2024 and its other reports filed with the Securities and Exchange Commission. Such forward-looking statements speak only as of the date of this press release. Arbor and the Issuer expressly disclaim any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained herein to reflect any change in Arbor's or the Issuer's expectations with regard thereto or change in events, conditions, or circumstances on which any such statement is based.

<u>Contact:</u> Arbor Realty Trust, Inc.Investor Relations516-506-4200<u>InvestorRelations@arbor.com</u>

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