SCHEDULE 13G 0001285910 XXXXXXXX LIVE Common Stock, par value $0.01 per share 12/31/2025 0001253986 Arbor Realty Trust, Inc. 038923108 333 Earle Ovington Boulevard, Suite 900 Uniondale NY 11553 Rule 13d-1(d) Arbor Commercial Mortgage, LLC NY 0.00 13019800.00 0.00 13019800.00 13019800.00 N 6.2 OO Arbor Realty Trust, Inc. 333 Earle Ovington Boulevard, Suite 900, Uniondale, New York, 11553 Arbor Commercial Mortgage, LLC 333 Earle Ovington Boulevard, Suite 900 Uniondale, New York 11553 United States of America Y 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. 6.2% 0 13,019,800 0 13,019,800 Y N Y Y Y Y Y Arbor Commercial Mortgage, LLC /s/ Ivan Kaufman 02/13/2026