Exhibit 25.1

securities and exchange commission

Washington, D.C. 20549

__________________________

FORM T-1

Statement of Eligibility Under

The Trust Indenture Act of 1939 of a

Corporation Designated to Act as Trustee

Check if an Application to Determine Eligibility of

a Trustee Pursuant to Section 305(b)(2)

_______________________________________________________

UMB BANK, NATIONAL ASSOCIATION

(Exact name of Trustee as specified in its charter)

44-0194180

I.R.S. Employer Identification No.

1010 Grand Blvd. Kansas City, Missouri	64106
(Address of principal executive offices)	(Zip Code)

Mauri J. Cowen

UMB BANK, NATIONAL ASSOCIATION

5555 San Felipe, Suite 870

Houston, Texas 77056

(713) 300-0586

(Name, address and telephone number of agent for service)

Arbor Realty Trust, Inc.

(Issuer with respect to the Securities)

Maryland	20-0057959
(State or other jurisdiction of incorporation or organization)	(I.R.S. Employer Identification No.)

333 Earle Ovington Boulevard, Suite 900 Uniondale, New York	11553
(Address of Principal Executive Offices)	(Zip Code)

5.00% Senior Notes due 2026

(Title of the Indenture Securities)

FORM T-1

Item 1. GENERAL INFORMATION. Furnish the following information as to the Trustee.

a) Name and address of each examining or supervising authority to which it is subject.

The Comptroller of the Currency

Mid-Western District
2345 Grand Avenue, Suite 700
Kansas City, Missouri 64108

Federal Reserve Bank of Kansas City
Federal Reserve P.O. Station
Kansas City, Missouri 64198

Supervising Examiner
Federal Deposit Insurance Corporation
720 Olive Street, Suite 2909
St. Louis, Missouri 63101

b)	Whether it is authorized to exercise corporate trust powers.
	Yes

Item 2.	AFFILIATIONS WITH OBLIGOR. If the obligor is an affiliate of the Trustee, describe each such affiliation.
	None

Items 3-15  Items 3-15 are not applicable because, to the best of the Trustee's knowledge, the obligor is not in default under any Indenture for which the Trustee acts as Trustee.

Item 16. LIST OF EXHIBITS: List below all exhibits filed as a part of this statement of eligibility and qualification.

1. A copy of the Articles of Association of the Trustee (Exhibit 1 to Form T-1 filed with Registration Statement No. 333-74008).

2. Certificate of Authority from the Comptroller of the Currency evidencing a change of the corporate title of the Association (Exhibit 2 to Form T-1 filed with Registration Statement No. 333-74008).

3. Certificate from the Comptroller of the Currency evidencing authority to exercise corporate trust powers and a letter evidencing a change of the corporate title of the Association (Exhibit 3 to Form T-1 filed with Registration Statement No. 333-74008).

4. Bylaws, as amended of the Trustee (Exhibit 4 to Form T-1 filed with Registration Statement No. 333-74008).

5. A copy of each Indenture referred to in Item 4. Not applicable.

6. The consent of the Trustee required by Section 321(b) of the Act (Exhibit 6 to Registration Statement No. 333-74008).

7. Report of Condition of the Trustee as of June 30, 2018 published pursuant to law or the requirements of its supervising or examining authority, attached as Exhibit 7.

SIGNATURE

Pursuant to the requirements of the Trust Indenture Act of 1939, as amended, the Trustee, UMB BANK, NATIONAL ASSOCIATION, a national banking association organized and existing under the laws of the United States of America, has duly caused this statement of eligibility and qualification to be signed on its behalf by the undersigned, thereunto duly authorized, all in the city of Houston, State of Texas on the 28th of June, 2021.

By:	/s/ Mauri J. Cowen
	Mauri J. Cowen
	Sr. Vice President

Exhibit 7

Umb Bank, National Association - FDIC Certificate Number: 8273 Submitted to CDR on 04/30/2021 at 02:50 PMConsolidated Report of Condition for Insured Banks and Savings Associations for March 31, 2021FFIEC 031 Page 17 of 89 RC-1All schedules are to be reported in thousands of dollars. Unless otherwise indicated, report the amount outstanding as of the last business day of the quarter. Schedule RC—Balance SheetAssets 1. Cash and balances due from depository institutions (from Schedule RC-A):Dollar Amounts in ThousandsRCFDAmounta. Noninterest-bearing balances and currency and coin (1)......................................................................................... b. Interest-bearing balances (2)................................................................................................. ................................... 2. Securities: a. Held-to-maturity securities (from Schedule RC-B, column A) (3)............................................................................. b. Available-for-sale debt securities (from Schedule RC-B, column D)......................................................................... c. Equity securities with readily determinable fair values not held for trading (4)....................................................... 3. Federal funds sold and securities purchased under agreements to resell:0081 0071JJ34 1773 JA22386,622 3,830,7631,039,711 9,753,330 101,8011.a. 1.b.2.a. 2.b. 2.c.a. Federal funds sold................................................................................................ ............................................RCON B9870 3.a.b. Securities purchased under agreements to resell (5,6)................................................................................... 4. Loans and lease financing receivables (from Schedule RC-C):RCFDB989 RCFD1,629,8133.b.a. Loans and leases held for sale................................................................................................ .................................. b. Loans and leases held for investment............................................................................. B528 16,497,352 c. LESS: Allowance for loan and lease losses (7)................................................................. 3123 202,814 d. Loans and leases held for investment, net of allowance (item 4.b minus 4.c)......................................................... 5. Trading assets (from Schedule RC-D)............................................................................................... ............................ 6. Premises and fixed assets (including capitalized leases)............................................................................................. . 7. Other real estate owned (from Schedule RC-M)............................................................................................... ........... 8. Investments in unconsolidated subsidiaries and associated companies..................................................................... 9. Direct and indirect investments in real estate ventures............................................................................................ .. 10. Intangible assets (from Schedule RC-M)............................................................................................... ....................... 11. Other assets (from Schedule RC-F) (6)................................................................................................. ........................ 12. Total assets (sum of items 1 through 11)................................................................................................. .................... Liabilities 13. Deposits: a. In domestic offices (sum of totals of columns A and C from Schedule RC-E, Part I) (1) Noninterest-bearing (8).................................................................................... RCON 6631 11,806,864 (2) Interest-bearing.................................................................................... ............ RCON 6636 16,676,376 b. In foreign offices, Edge and Agreement subsidiaries, and IBFs (from Schedule RC-E, Part II) (1) Noninterest-bearing................................................................................. ........ RCFN 6631 0 (2) Interest-bearing.................................................................................... ............ RCFN 6636 0 14. Federal funds purchased and securities sold under agreements to repurchase:5369B529 3545 2145 2150 2130 3656 2143 2160 2170RCON 2200RCFN 220010,27516,294,538 25,329 220,435 4,740 0 0 151,036 960,891 34,409,28428,483,24004.a. 4.b. 4.c. 4.d. 5. 6. 7. 8. 9. 10. 11. 12.13.a. 13.a.1. 13.a.2.13.b. 13.b.1. 13.b.2.a. Federal funds purchased in domestic offices (9).............................................................................................. RCON B993217,30114.a.b. Securities sold under agreements to repurchase (10)..................................................................................... 15. Trading liabilities (from Schedule RC-D)............................................................................................... .............. 16. Other borrowed money (includes mortgage indebtedness) (from Schedule RC-M)..........................................RCFD RCFD RCFDB995 3548 31902,542,517 0 014.b. 15. 16.1 Includes cash items in process of collection and unposted debits. 2 Includes time certificates of deposit not held for trading. 3 Institutions that have adopted ASU 2016-13 should report in item 2.a amounts net of any applicable allowance for credit losses, and item 2.a should equal Schedule RC-B, item 8, column A, less Schedule RI-B, Part II, item 7, column B. 4 Item 2.c is to be completed by all institutions. See the instructions for this item and the Glossary entry for "Securities Activities" for further detail on accounting for investments in equity securities. 5 Includes all securities resale agreements, regardless of maturity. 6 Institutions that have adopted ASU 2016-13 should report in items 3.b and 11 amounts net of any applicable allowance for credit losses. 7 Institutions that have adopted ASU 2016-13 should report in item 4.c the allowance for credit losses on loans and leases. 8 Includes noninterest-bearing, demand, time, and savings deposits. 9 Report overnight Federal Home Loan Bank advances in Schedule RC, item 16, "Other borrowed money." 10 Includes all securities repurchase agreements, regardless of maturity.Reporting Period: March 31, 2021April 30, 2021 3:02 PM

Umb Bank, National Association - FDIC Certificate Number: 8273 Submitted to CDR on 04/30/2021 at 02:50 PMSchedule RC—ContinuedFFIEC 031 Page 18 of 89 RC-2Liabilities - continued 17. and 18. Not applicableDollar Amounts in ThousandsRCFDAmount19. Subordinated notes and debentures (1)................................................................................................. ..................... 20. Other liabilities (from Schedule RC-G)............................................................................................... .......................... 21. Total liabilities (sum of items 13 through 20)................................................................................................. ............. 22. Not applicable3200 2930 29480 351,833 31,594,89119. 20. 21.Equity Capital Bank Equity Capital 23. Perpetual preferred stock and related surplus............................................................................................. ............... 24. Common stock............................................................................................... .............................................................. 25. Surplus (excludes all surplus related to preferred stock)............................................................................................. 26. a. Retained earnings............................................................................................ ........................................................ b. Accumulated other comprehensive income (2)................................................................................................. ...... c. Other equity capital components (3)................................................................................................. ....................... 27. a. Total bank equity capital (sum of items 23 through 26.c)........................................................................................ b. Noncontrolling (minority) interests in consolidated subsidiaries............................................................................ 28. Total equity capital (sum of items 27.a and 27.b)............................................................................................... ......... 29. Total liabilities and equity capital (sum of items 21 and 28)........................................................................................Memoranda To be reported with the March Report of Condition. 1. Indicate in the box at the right the number of the statement below that best describes the most comprehensive level of auditing work performed for the bank by independent external3838 0 3230 21,250 3839 849,822 3632 1,770,238 B530 173,083 A130 0 3210 2,814,393 3000 0 G105 2,814,393 3300 34,409,284RCFD Number23. 24. 25. 26.a. 26.b. 26.c. 27.a. 27.b. 28. 29.auditors as of any date during 2020................................................................................................ .................................67242a M.1.1a = An integrated audit of the reporting institution's financial 2b = An audit of the reporting institution's parent holding statements and its internal control over financial reporting company's consolidated financial statements only conducted in conducted in accordance with the standards of the American accordance with the auditing standards of the AICPA or the Institute of Certified Public Accountants (AICPA) or the Public PCAOB by an independent public accountant that submits Company Accounting Oversight Board (PCAOB) by an indepen- a report on the consolidated holding company (but not on dent publicaccountant that submits a report on the institution the institution separately) 1b = An audit of the reporting institution's financial statements only 3 = This number is not to be used conducted in accordance with the auditing standards of the 4 = Directors' examination of the bank conducted in accordance AICPA or the PCAOB by an independent public accountant that with generally accepted auditing standards by a certified public submits a report on the institution accounting firm (may be required by state-chartering authority) 2a = An integrated audit of the reporting institution's parent 5 = Directors' examination of the bank performed by other external holding company's consolidated financial statements and its auditors (may be required by state-chartering authority) internal control over financial reporting conducted in 6 = Review of the bank's financial statements by external auditors accordance with the standards of the AICPA or the PCAOB by 7 = Compilation of the bank's financial statements by external an independent public accountant that submits a report on the auditors consolidated holding company (but not on the 8 = Other audit procedures (excluding tax preparation work) institution separately) 9 = No external audit workTo be reported with the March Report of Condition. 2. Bank's fiscal year-end date (report the date in MMDD format)......................................................................................RCON 8678Date 12/31 M.2.1 Includes limited-life preferred stock and related surplus. 2 Includes, but is not limited to, net unrealized holding gains (losses) on available-for-sale securities, accumulated net gains (losses) on cash flow hedges, and accumulated defined benefit pension and other postretirement plan adjustments. 3 Includes treasury stock and unearned Employee Stock Ownership Plan shares.Reporting Period: March 31, 2021April 30, 2021 3:02 PM