---
schema_version: "secwatch.filing_event.v1"
accession: "0001253986-25-000027"
form_type: "8-K"
ticker: "ABR"
cik: "0001253986"
company_name: "ARBOR REALTY TRUST INC"
filed_at: "2025-12-16T23:59:59+00:00"
generated_at: "2026-05-16T13:00:31.623341+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Arbor Realty Trust subsidiary issues $400M 8.50% Senior Notes due 2028

## Summary
- $400M aggregate principal of 8.50% Senior Notes due December 15, 2028, issued by Arbor Realty SR, Inc., fully guaranteed by Arbor Realty Trust.
- Net proceeds to refinance/repay remaining outstanding 7.75% and 5.00% Senior Notes due 2026, plus general corporate purposes.
- Interest payable semiannually on June 15 and December 15, beginning June 15, 2026.
- Notes are senior unsecured; indenture includes maintenance of consolidated unencumbered asset ratio and restrictions on incurring additional debt.
- Offered in private placement to QIBs and under Regulation S; not registered under Securities Act.

## SEC filing metadata
- accession: 0001253986-25-000027
- form_type: 8-K
- ticker: ABR
- cik: 0001253986
- company_name: ARBOR REALTY TRUST INC
- filed_at: 2025-12-16T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1253986/000125398625000027/0001253986-25-000027-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1253986/000125398625000027/abr-20251216.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001253986-25-000027
- JSON: https://secwatch.observer/filing/0001253986-25-000027.json
- Plain text: https://secwatch.observer/filing/0001253986-25-000027.txt

## Key facts
- Debt Financings
  ARBOR REALTY TRUST INC incurred senior notes of $400 million aggregate principal amount with UMB Bank, N.A. at 8.50% per year maturing December 15, 2028.
  - Instrument: senior notes
  - Principal: $400 million aggregate principal amount
  - Counterparty: UMB Bank, N.A.
  - Rate: 8.50% per year
  - Maturity: December 15, 2028
  - Event: incurrence
  source text: completed the issuance and sale of $400 million aggregate principal amount of its 8.50% Senior Notes due 2028
  evidence_url: https://www.sec.gov/Archives/edgar/data/1253986/000125398625000027/0001253986-25-000027-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.