<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:a58eba32-5ac2-4d84-b8cd-34f1d8d086c8,g:7cdb596c-5286-44da-b698-bfbc73082663-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/CONSOLIDATEDBALANCESHEETS" xlink:type="simple" xlink:href="abr-20251231.xsd#CONSOLIDATEDBALANCESHEETS"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/CONSOLIDATEDBALANCESHEETS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_3a9ef844-adf0-4256-bb0c-77ff93e3e706" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterest_f4c9d454-cc42-4811-9c75-ddbfdc4e59b8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_3a9ef844-adf0-4256-bb0c-77ff93e3e706" xlink:to="loc_us-gaap_MinorityInterest_f4c9d454-cc42-4811-9c75-ddbfdc4e59b8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_a2117070-1782-46c5-83b3-fccc0eb08ecd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_3a9ef844-adf0-4256-bb0c-77ff93e3e706" xlink:to="loc_us-gaap_StockholdersEquity_a2117070-1782-46c5-83b3-fccc0eb08ecd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_95855066-0b6e-4210-b215-e814d11649e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_a5b16baa-9a95-4300-9c6b-6a16b1c1b91c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_95855066-0b6e-4210-b215-e814d11649e2" xlink:to="loc_us-gaap_Liabilities_a5b16baa-9a95-4300-9c6b-6a16b1c1b91c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_bc646afd-c619-4fc7-ac37-e3e77b57464e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_95855066-0b6e-4210-b215-e814d11649e2" xlink:to="loc_us-gaap_CommitmentsAndContingencies_bc646afd-c619-4fc7-ac37-e3e77b57464e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_8310abe5-4f56-490b-a284-025d355a87a2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_95855066-0b6e-4210-b215-e814d11649e2" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_8310abe5-4f56-490b-a284-025d355a87a2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_c80fa4b8-38b9-4eca-aacf-1b937e6711a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_DueToBorrowers_5e92cf02-28d8-4a40-bfec-426fbcdd3a3d" xlink:href="abr-20251231.xsd#abr_DueToBorrowers"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c80fa4b8-38b9-4eca-aacf-1b937e6711a8" xlink:to="loc_abr_DueToBorrowers_5e92cf02-28d8-4a40-bfec-426fbcdd3a3d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableOtherCurrentAndNoncurrent_07c599b4-36db-4c74-8ec4-1c85119a1421" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsPayableOtherCurrentAndNoncurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c80fa4b8-38b9-4eca-aacf-1b937e6711a8" xlink:to="loc_us-gaap_AccountsPayableOtherCurrentAndNoncurrent_07c599b4-36db-4c74-8ec4-1c85119a1421" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebt_8241ad31-dcc6-498f-88e2-278d52029655" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuredDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c80fa4b8-38b9-4eca-aacf-1b937e6711a8" xlink:to="loc_us-gaap_SecuredDebt_8241ad31-dcc6-498f-88e2-278d52029655" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_5214c19d-c0ae-46ae-8f54-4f2c3cb2077d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c80fa4b8-38b9-4eca-aacf-1b937e6711a8" xlink:to="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_5214c19d-c0ae-46ae-8f54-4f2c3cb2077d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_SecuredDebtRepurchaseAgreementsAndWarehouseAgreementBorrowings_61fa7785-8eb2-4825-8380-3251ef4ea250" xlink:href="abr-20251231.xsd#abr_SecuredDebtRepurchaseAgreementsAndWarehouseAgreementBorrowings"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c80fa4b8-38b9-4eca-aacf-1b937e6711a8" xlink:to="loc_abr_SecuredDebtRepurchaseAgreementsAndWarehouseAgreementBorrowings_61fa7785-8eb2-4825-8380-3251ef4ea250" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_d45a876c-8796-4e2a-80a0-1455ab1db5ae" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherLiabilities"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c80fa4b8-38b9-4eca-aacf-1b937e6711a8" xlink:to="loc_us-gaap_OtherLiabilities_d45a876c-8796-4e2a-80a0-1455ab1db5ae" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_AllowanceForLossSharingObligations_d87655ab-b8f3-46e9-a57d-16ef5bed3565" xlink:href="abr-20251231.xsd#abr_AllowanceForLossSharingObligations"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c80fa4b8-38b9-4eca-aacf-1b937e6711a8" xlink:to="loc_abr_AllowanceForLossSharingObligations_d87655ab-b8f3-46e9-a57d-16ef5bed3565" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_MortgageNotePayableRealEstateOwned_92f0282a-851c-43c8-8b39-00ab90dd5418" xlink:href="abr-20251231.xsd#abr_MortgageNotePayableRealEstateOwned"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c80fa4b8-38b9-4eca-aacf-1b937e6711a8" xlink:to="loc_abr_MortgageNotePayableRealEstateOwned_92f0282a-851c-43c8-8b39-00ab90dd5418" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertibleNotesPayable_361ca766-e761-4b4d-be83-75b7e57e7fa7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConvertibleNotesPayable"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c80fa4b8-38b9-4eca-aacf-1b937e6711a8" xlink:to="loc_us-gaap_ConvertibleNotesPayable_361ca766-e761-4b4d-be83-75b7e57e7fa7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeniorNotes_b2454517-8569-4b4e-b1f0-af389b574ab3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeniorNotes"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_c80fa4b8-38b9-4eca-aacf-1b937e6711a8" xlink:to="loc_us-gaap_SeniorNotes_b2454517-8569-4b4e-b1f0-af389b574ab3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_5f596cb2-bd62-4721-8b8c-d3d4f44c3af3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtAmortizedValue_031b0a31-8560-4391-887c-efb89706183d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtAmortizedValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5f596cb2-bd62-4721-8b8c-d3d4f44c3af3" xlink:to="loc_us-gaap_ServicingAssetAtAmortizedValue_031b0a31-8560-4391-887c-efb89706183d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecurities_d8ae6fd4-c1a9-44e0-bc80-3ffd4f0cca63" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecurities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5f596cb2-bd62-4721-8b8c-d3d4f44c3af3" xlink:to="loc_us-gaap_HeldToMaturitySecurities_d8ae6fd4-c1a9-44e0-bc80-3ffd4f0cca63" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_c2bd9926-cf82-4418-8b54-d18be91ad751" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5f596cb2-bd62-4721-8b8c-d3d4f44c3af3" xlink:to="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_c2bd9926-cf82-4418-8b54-d18be91ad751" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_RealEstateOwnedNet_f5d0b075-bfcb-4c33-afb3-ea3ebe986051" xlink:href="abr-20251231.xsd#abr_RealEstateOwnedNet"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5f596cb2-bd62-4721-8b8c-d3d4f44c3af3" xlink:to="loc_abr_RealEstateOwnedNet_f5d0b075-bfcb-4c33-afb3-ea3ebe986051" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_3f28d39d-bd39-4c86-a612-03ad70bec425" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5f596cb2-bd62-4721-8b8c-d3d4f44c3af3" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_3f28d39d-bd39-4c86-a612-03ad70bec425" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_d2b5508c-4895-49da-8d9a-3e6588a0c8fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5f596cb2-bd62-4721-8b8c-d3d4f44c3af3" xlink:to="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_d2b5508c-4895-49da-8d9a-3e6588a0c8fd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_f35d9a2a-62d6-4b1b-819b-5fb1229d51fc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5f596cb2-bd62-4721-8b8c-d3d4f44c3af3" xlink:to="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_f35d9a2a-62d6-4b1b-819b-5fb1229d51fc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_b8109f7d-9f49-40b9-9bdf-9d6c73ada8d8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5f596cb2-bd62-4721-8b8c-d3d4f44c3af3" xlink:to="loc_us-gaap_OtherAssets_b8109f7d-9f49-40b9-9bdf-9d6c73ada8d8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherReceivables_e0430d80-5bd0-4ebd-9f15-0ad08d9c3330" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherReceivables"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5f596cb2-bd62-4721-8b8c-d3d4f44c3af3" xlink:to="loc_us-gaap_OtherReceivables_e0430d80-5bd0-4ebd-9f15-0ad08d9c3330" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_c3cb083e-429b-4e1b-86ae-5ff0135a5e60" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5f596cb2-bd62-4721-8b8c-d3d4f44c3af3" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_c3cb083e-429b-4e1b-86ae-5ff0135a5e60" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalents_9c68d219-0d65-4c80-8ea6-170bbcc1ea08" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCashAndCashEquivalents"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5f596cb2-bd62-4721-8b8c-d3d4f44c3af3" xlink:to="loc_us-gaap_RestrictedCashAndCashEquivalents_9c68d219-0d65-4c80-8ea6-170bbcc1ea08" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_bc9f9ceb-4f48-49ed-a714-c497c6a3b877" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_4c6b4bf8-5d73-43e6-bbd5-f41d777f3dbc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_bc9f9ceb-4f48-49ed-a714-c497c6a3b877" xlink:to="loc_us-gaap_PreferredStockValue_4c6b4bf8-5d73-43e6-bbd5-f41d777f3dbc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_de174cf0-f06e-4f11-a066-a0678ae5e7f8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_bc9f9ceb-4f48-49ed-a714-c497c6a3b877" xlink:to="loc_us-gaap_CommonStockValue_de174cf0-f06e-4f11-a066-a0678ae5e7f8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalCommonStock_88399819-6493-42f7-bc53-32c94786abf0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapitalCommonStock"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_bc9f9ceb-4f48-49ed-a714-c497c6a3b877" xlink:to="loc_us-gaap_AdditionalPaidInCapitalCommonStock_88399819-6493-42f7-bc53-32c94786abf0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_60f27335-40d3-4e9d-a44d-666e61c0e213" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_bc9f9ceb-4f48-49ed-a714-c497c6a3b877" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_60f27335-40d3-4e9d-a44d-666e61c0e213" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/CONSOLIDATEDSTATEMENTSOFINCOME" xlink:type="simple" xlink:href="abr-20251231.xsd#CONSOLIDATEDSTATEMENTSOFINCOME"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/CONSOLIDATEDSTATEMENTSOFINCOME" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_b2602c29-c3b4-40a2-97fa-0a5ba640044d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_41c31fd3-3698-4d16-b2cb-f172859df18d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_b2602c29-c3b4-40a2-97fa-0a5ba640044d" xlink:to="loc_us-gaap_LaborAndRelatedExpense_41c31fd3-3698-4d16-b2cb-f172859df18d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingGeneralAndAdministrativeExpense_71aad9bb-a5b7-4198-92f9-7ba58ded280a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SellingGeneralAndAdministrativeExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_b2602c29-c3b4-40a2-97fa-0a5ba640044d" xlink:to="loc_us-gaap_SellingGeneralAndAdministrativeExpense_71aad9bb-a5b7-4198-92f9-7ba58ded280a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_PropertyOperatingExpense_f6bda081-9b85-42c2-a82e-7b6a50e82b82" xlink:href="abr-20251231.xsd#abr_PropertyOperatingExpense"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_b2602c29-c3b4-40a2-97fa-0a5ba640044d" xlink:to="loc_abr_PropertyOperatingExpense_f6bda081-9b85-42c2-a82e-7b6a50e82b82" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAndAmortization_c79a78f9-14c6-4f08-9c9e-17a70fad3416" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepreciationAndAmortization"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_b2602c29-c3b4-40a2-97fa-0a5ba640044d" xlink:to="loc_us-gaap_DepreciationAndAmortization_c79a78f9-14c6-4f08-9c9e-17a70fad3416" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_RealEstateOwnedImpairmentCharges_f3dc7500-ff21-4dc0-99b6-078e91f510a0" xlink:href="abr-20251231.xsd#abr_RealEstateOwnedImpairmentCharges"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_b2602c29-c3b4-40a2-97fa-0a5ba640044d" xlink:to="loc_abr_RealEstateOwnedImpairmentCharges_f3dc7500-ff21-4dc0-99b6-078e91f510a0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingencyAccrualProvision_64b6e350-708b-4ed5-8002-e4e545b52eac" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LossContingencyAccrualProvision"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_b2602c29-c3b4-40a2-97fa-0a5ba640044d" xlink:to="loc_us-gaap_LossContingencyAccrualProvision_64b6e350-708b-4ed5-8002-e4e545b52eac" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery_019c0b32-981d-796d-8223-7317f1a40c40" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingExpenses_b2602c29-c3b4-40a2-97fa-0a5ba640044d" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery_019c0b32-981d-796d-8223-7317f1a40c40" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_b00fe185-4f46-4eef-b23c-795352b621c3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_175cfd75-af55-43bd-8f61-4c3768430408" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_b00fe185-4f46-4eef-b23c-795352b621c3" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_175cfd75-af55-43bd-8f61-4c3768430408" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_OriginatedMortgageServicingRightsRevenue_98c687f3-2b06-4895-9e27-92aea3a0d365" xlink:href="abr-20251231.xsd#abr_OriginatedMortgageServicingRightsRevenue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_b00fe185-4f46-4eef-b23c-795352b621c3" xlink:to="loc_abr_OriginatedMortgageServicingRightsRevenue_98c687f3-2b06-4895-9e27-92aea3a0d365" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_ContractuallySpecifiedServicingFeesAmountNet_32c4bd01-19ca-4af7-9412-11ecb7830873" xlink:href="abr-20251231.xsd#abr_ContractuallySpecifiedServicingFeesAmountNet"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_b00fe185-4f46-4eef-b23c-795352b621c3" xlink:to="loc_abr_ContractuallySpecifiedServicingFeesAmountNet_32c4bd01-19ca-4af7-9412-11ecb7830873" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLeaseIncome_7d9ade2d-80e1-499e-869a-05bb8c7bf707" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLeaseIncome"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_b00fe185-4f46-4eef-b23c-795352b621c3" xlink:to="loc_us-gaap_OperatingLeaseLeaseIncome_7d9ade2d-80e1-499e-869a-05bb8c7bf707" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossOnDerivativeNet_a2d2906a-7f4b-46f6-a8e6-213b3f707103" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeGainLossOnDerivativeNet"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_b00fe185-4f46-4eef-b23c-795352b621c3" xlink:to="loc_us-gaap_DerivativeGainLossOnDerivativeNet_a2d2906a-7f4b-46f6-a8e6-213b3f707103" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherOperatingIncomeExpenseNet_18215710-8d3b-44c6-b936-81d4b5dbed97" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherOperatingIncomeExpenseNet"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_b00fe185-4f46-4eef-b23c-795352b621c3" xlink:to="loc_us-gaap_OtherOperatingIncomeExpenseNet_18215710-8d3b-44c6-b936-81d4b5dbed97" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_98c1335b-5c35-4def-a1e8-d9aea99ffda0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_6c3c04a1-30d5-45cd-8c50-96feb6d09541" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_98c1335b-5c35-4def-a1e8-d9aea99ffda0" xlink:to="loc_us-gaap_ProfitLoss_6c3c04a1-30d5-45cd-8c50-96feb6d09541" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_0f96f715-5708-4ba4-863b-712b16878564" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_98c1335b-5c35-4def-a1e8-d9aea99ffda0" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_0f96f715-5708-4ba4-863b-712b16878564" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_346ddd7a-5d78-4324-a713-aceb71727604" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_98c1335b-5c35-4def-a1e8-d9aea99ffda0" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_346ddd7a-5d78-4324-a713-aceb71727604" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_IncomeLossFromContinuingOperationsBeforeEquityMethodInvestmentsExtinguishmentOfDebtGainOnRealEstateIncomeTaxesNoncontrollingInterest_d0ceb9b8-e7e3-4618-895a-8e26cae15218" xlink:href="abr-20251231.xsd#abr_IncomeLossFromContinuingOperationsBeforeEquityMethodInvestmentsExtinguishmentOfDebtGainOnRealEstateIncomeTaxesNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_68ec016d-850e-48d1-a5c0-aabad6e46b23" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingExpenses"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_IncomeLossFromContinuingOperationsBeforeEquityMethodInvestmentsExtinguishmentOfDebtGainOnRealEstateIncomeTaxesNoncontrollingInterest_d0ceb9b8-e7e3-4618-895a-8e26cae15218" xlink:to="loc_us-gaap_OperatingExpenses_68ec016d-850e-48d1-a5c0-aabad6e46b23" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_a028c748-8e51-4a90-b2ec-8661125a5f83" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_IncomeLossFromContinuingOperationsBeforeEquityMethodInvestmentsExtinguishmentOfDebtGainOnRealEstateIncomeTaxesNoncontrollingInterest_d0ceb9b8-e7e3-4618-895a-8e26cae15218" xlink:to="loc_us-gaap_NoninterestIncome_a028c748-8e51-4a90-b2ec-8661125a5f83" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_b508e80f-4a52-4f9c-9eca-e6114cfde527" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_IncomeLossFromContinuingOperationsBeforeEquityMethodInvestmentsExtinguishmentOfDebtGainOnRealEstateIncomeTaxesNoncontrollingInterest_d0ceb9b8-e7e3-4618-895a-8e26cae15218" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_b508e80f-4a52-4f9c-9eca-e6114cfde527" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_3693c2b4-04c9-466a-b970-2e3f6ad7bbc7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_4334dc02-b07b-4214-9462-cd9ebb26965b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_3693c2b4-04c9-466a-b970-2e3f6ad7bbc7" xlink:to="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_4334dc02-b07b-4214-9462-cd9ebb26965b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_3e575624-9c23-4762-9bba-98f58706511e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromEquityMethodInvestments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_3693c2b4-04c9-466a-b970-2e3f6ad7bbc7" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_3e575624-9c23-4762-9bba-98f58706511e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_3afe04ee-967d-4515-88d2-b290ead39840" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_3693c2b4-04c9-466a-b970-2e3f6ad7bbc7" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_3afe04ee-967d-4515-88d2-b290ead39840" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnSalesOfInvestmentRealEstate_f8122a26-cde4-4d50-936f-f8aaae7a1d22" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainsLossesOnSalesOfInvestmentRealEstate"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_3693c2b4-04c9-466a-b970-2e3f6ad7bbc7" xlink:to="loc_us-gaap_GainsLossesOnSalesOfInvestmentRealEstate_f8122a26-cde4-4d50-936f-f8aaae7a1d22" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_IncomeLossFromContinuingOperationsBeforeEquityMethodInvestmentsExtinguishmentOfDebtGainOnRealEstateIncomeTaxesNoncontrollingInterest_fc1e5ac6-fc7f-4f4c-b877-8bc2a6ed7de3" xlink:href="abr-20251231.xsd#abr_IncomeLossFromContinuingOperationsBeforeEquityMethodInvestmentsExtinguishmentOfDebtGainOnRealEstateIncomeTaxesNoncontrollingInterest"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_3693c2b4-04c9-466a-b970-2e3f6ad7bbc7" xlink:to="loc_abr_IncomeLossFromContinuingOperationsBeforeEquityMethodInvestmentsExtinguishmentOfDebtGainOnRealEstateIncomeTaxesNoncontrollingInterest_fc1e5ac6-fc7f-4f4c-b877-8bc2a6ed7de3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_516c7b78-721b-407c-af11-712b5f8bd78a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeOperating_8a3cbda1-cdf3-49cf-a678-9a4aa542f73c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeOperating"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_516c7b78-721b-407c-af11-712b5f8bd78a" xlink:to="loc_us-gaap_InterestIncomeOperating_8a3cbda1-cdf3-49cf-a678-9a4aa542f73c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_fbd7a399-3b2c-4137-b0fe-73a962289c0f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperating"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_516c7b78-721b-407c-af11-712b5f8bd78a" xlink:to="loc_us-gaap_InterestExpenseOperating_fbd7a399-3b2c-4137-b0fe-73a962289c0f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="simple" xlink:href="abr-20251231.xsd#CONSOLIDATEDSTATEMENTSOFCASHFLOWS"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromBankDebt_7b3f7ea7-38f3-4670-a071-354be93447a1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromBankDebt"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:to="loc_us-gaap_ProceedsFromBankDebt_7b3f7ea7-38f3-4670-a071-354be93447a1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfBankDebt_f9cc022d-47f9-4ca3-a622-92e564371b2c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepaymentsOfBankDebt"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:to="loc_us-gaap_RepaymentsOfBankDebt_f9cc022d-47f9-4ca3-a622-92e564371b2c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_ProceedsFromMortgageNotesPayableRealEstateOwned_69e6b2c4-1807-4dc7-b003-2a90a793aa0f" xlink:href="abr-20251231.xsd#abr_ProceedsFromMortgageNotesPayableRealEstateOwned"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:to="loc_abr_ProceedsFromMortgageNotesPayableRealEstateOwned_69e6b2c4-1807-4dc7-b003-2a90a793aa0f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_RepaymentsOfMortgageNotesPayableRealEstateOwned_4919a3e5-7a67-47b7-9e47-24523c58bd61" xlink:href="abr-20251231.xsd#abr_RepaymentsOfMortgageNotesPayableRealEstateOwned"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:to="loc_abr_RepaymentsOfMortgageNotesPayableRealEstateOwned_4919a3e5-7a67-47b7-9e47-24523c58bd61" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_ProceedsFromIssuanceOfCollateralizedLoanObligations_ded7354c-5ab7-491b-acbe-7213bd980050" xlink:href="abr-20251231.xsd#abr_ProceedsFromIssuanceOfCollateralizedLoanObligations"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:to="loc_abr_ProceedsFromIssuanceOfCollateralizedLoanObligations_ded7354c-5ab7-491b-acbe-7213bd980050" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_RepaymentOfSecuredLoanObligations_d4587c88-2891-4309-b278-61499e2a76d4" xlink:href="abr-20251231.xsd#abr_RepaymentOfSecuredLoanObligations"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:to="loc_abr_RepaymentOfSecuredLoanObligations_d4587c88-2891-4309-b278-61499e2a76d4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfConvertibleDebt_3c3edb4f-3367-411f-ac19-ebf51b1cb959" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepaymentsOfConvertibleDebt"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:to="loc_us-gaap_RepaymentsOfConvertibleDebt_3c3edb4f-3367-411f-ac19-ebf51b1cb959" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_94a7bf26-a7ef-436b-8435-3d8fad37de1e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_94a7bf26-a7ef-436b-8435-3d8fad37de1e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromUnsecuredNotesPayable_b0469e06-de41-4daf-89e2-2e032cf97d53" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromUnsecuredNotesPayable"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:to="loc_us-gaap_ProceedsFromUnsecuredNotesPayable_b0469e06-de41-4daf-89e2-2e032cf97d53" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfSeniorDebt_71c9956b-f8da-4896-8988-3747a0844182" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepaymentsOfSeniorDebt"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:to="loc_us-gaap_RepaymentsOfSeniorDebt_71c9956b-f8da-4896-8988-3747a0844182" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_PaymentsForRedemptionOfOperatingPartnershipUnits_3f1898d5-4eb5-4bbf-b89e-413e22aacf9a" xlink:href="abr-20251231.xsd#abr_PaymentsForRedemptionOfOperatingPartnershipUnits"/>
    <link:calculationArc order="11" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:to="loc_abr_PaymentsForRedemptionOfOperatingPartnershipUnits_3f1898d5-4eb5-4bbf-b89e-413e22aacf9a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_5d807a78-029a-4f7e-90e8-46e7537e3373" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_5d807a78-029a-4f7e-90e8-46e7537e3373" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_c43c3a5a-fc7b-43cc-bceb-1c4e54747d46" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="13" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_c43c3a5a-fc7b-43cc-bceb-1c4e54747d46" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_aa04b028-faed-4a1a-a8c9-a8b8cccd4ba1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:calculationArc order="14" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_aa04b028-faed-4a1a-a8c9-a8b8cccd4ba1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfFinancingCosts_f51c0295-1ef3-442a-bd00-a2e3c5f88f71" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfFinancingCosts"/>
    <link:calculationArc order="15" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_2281d0ae-4677-4f15-85a7-79bc9b311c43" xlink:to="loc_us-gaap_PaymentsOfFinancingCosts_f51c0295-1ef3-442a-bd00-a2e3c5f88f71" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_02d8a9f6-45e8-42cd-a15a-d77c63b319c9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_PaymentForLoansAndInvestmentsFundedOriginatedAndPurchasedNet_9d4697b8-fad5-4317-bfa9-7b8e298a7791" xlink:href="abr-20251231.xsd#abr_PaymentForLoansAndInvestmentsFundedOriginatedAndPurchasedNet"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_02d8a9f6-45e8-42cd-a15a-d77c63b319c9" xlink:to="loc_abr_PaymentForLoansAndInvestmentsFundedOriginatedAndPurchasedNet_9d4697b8-fad5-4317-bfa9-7b8e298a7791" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_ProceedsFromPayoffsAndPaydownsOfLoansAndInvestments_3d8f17ff-5983-4ede-9bdb-0f8b317fb321" xlink:href="abr-20251231.xsd#abr_ProceedsFromPayoffsAndPaydownsOfLoansAndInvestments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_02d8a9f6-45e8-42cd-a15a-d77c63b319c9" xlink:to="loc_abr_ProceedsFromPayoffsAndPaydownsOfLoansAndInvestments_3d8f17ff-5983-4ede-9bdb-0f8b317fb321" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_IncreaseDecreaseInCustomerLiabilityDeferredRevenue_490dc40a-c2dc-4694-9533-c92bfb222d64" xlink:href="abr-20251231.xsd#abr_IncreaseDecreaseInCustomerLiabilityDeferredRevenue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_02d8a9f6-45e8-42cd-a15a-d77c63b319c9" xlink:to="loc_abr_IncreaseDecreaseInCustomerLiabilityDeferredRevenue_490dc40a-c2dc-4694-9533-c92bfb222d64" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment_ccf95bb4-649e-42b3-bebc-4784c6cd8a9f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_02d8a9f6-45e8-42cd-a15a-d77c63b319c9" xlink:to="loc_us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment_ccf95bb4-649e-42b3-bebc-4784c6cd8a9f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_3bee6e32-65af-46f9-9efb-28b05824d889" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_02d8a9f6-45e8-42cd-a15a-d77c63b319c9" xlink:to="loc_us-gaap_PaymentsToAcquireInterestInSubsidiariesAndAffiliates_3bee6e32-65af-46f9-9efb-28b05824d889" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromDivestitureOfInterestInSubsidiariesAndAffiliates_2100d650-c480-4a5d-b157-cdb2f3d5fdff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromDivestitureOfInterestInSubsidiariesAndAffiliates"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_02d8a9f6-45e8-42cd-a15a-d77c63b319c9" xlink:to="loc_us-gaap_ProceedsFromDivestitureOfInterestInSubsidiariesAndAffiliates_2100d650-c480-4a5d-b157-cdb2f3d5fdff" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_ProceedsFromPayoffsAndPaydownsOfSecuritiesHeldToMaturity_4e7e46a8-1c6a-445f-9269-964ec18e9fe8" xlink:href="abr-20251231.xsd#abr_ProceedsFromPayoffsAndPaydownsOfSecuritiesHeldToMaturity"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_02d8a9f6-45e8-42cd-a15a-d77c63b319c9" xlink:to="loc_abr_ProceedsFromPayoffsAndPaydownsOfSecuritiesHeldToMaturity_4e7e46a8-1c6a-445f-9269-964ec18e9fe8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireRealEstate_f032dff4-f1bd-4ce9-af3d-032c233fe197" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireRealEstate"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_02d8a9f6-45e8-42cd-a15a-d77c63b319c9" xlink:to="loc_us-gaap_PaymentsToAcquireRealEstate_f032dff4-f1bd-4ce9-af3d-032c233fe197" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_DueToDueFromBorrowersAndReserves_28a4f838-2345-4aae-8507-6ecce3622a37" xlink:href="abr-20251231.xsd#abr_DueToDueFromBorrowersAndReserves"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_02d8a9f6-45e8-42cd-a15a-d77c63b319c9" xlink:to="loc_abr_DueToDueFromBorrowersAndReserves_28a4f838-2345-4aae-8507-6ecce3622a37" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_975b06b9-9eb5-4cd0-8ee4-a1b2d95f856d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_us-gaap_ProfitLoss_975b06b9-9eb5-4cd0-8ee4-a1b2d95f856d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAndAmortization_19167b0c-35ff-4eea-8e40-0d72925b2922" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepreciationAndAmortization"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_us-gaap_DepreciationAndAmortization_19167b0c-35ff-4eea-8e40-0d72925b2922" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_bb95ef10-50e6-41b4-8d43-c59b7f1e2c8e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_us-gaap_ShareBasedCompensation_bb95ef10-50e6-41b4-8d43-c59b7f1e2c8e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_AmortizationAndAccretionOfInterestFeesAndIntangibleAssets_5932a662-53b9-40c1-aab9-580001a9fe98" xlink:href="abr-20251231.xsd#abr_AmortizationAndAccretionOfInterestFeesAndIntangibleAssets"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_abr_AmortizationAndAccretionOfInterestFeesAndIntangibleAssets_5932a662-53b9-40c1-aab9-580001a9fe98" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_080b1878-3f97-4a05-beaf-a704f082de40" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_080b1878-3f97-4a05-beaf-a704f082de40" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_3bc74343-28fb-4d26-ae8b-8599e05d9279" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForSale"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_3bc74343-28fb-4d26-ae8b-8599e05d9279" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromCollectionOfLoansHeldForSale_2abdcadc-6bd1-4858-b021-017532d3bf68" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromCollectionOfLoansHeldForSale"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_us-gaap_ProceedsFromCollectionOfLoansHeldForSale_2abdcadc-6bd1-4858-b021-017532d3bf68" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_OriginatedMortgageServicingRightsRevenue_08db90b2-c13f-4fc9-a016-b4a46c03fcf7" xlink:href="abr-20251231.xsd#abr_OriginatedMortgageServicingRightsRevenue"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_abr_OriginatedMortgageServicingRightsRevenue_08db90b2-c13f-4fc9-a016-b4a46c03fcf7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfMortgageServicingRightsMSRs_eea1cfe9-8b19-41d5-816a-1d366011a1c6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfMortgageServicingRightsMSRs"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_us-gaap_AmortizationOfMortgageServicingRightsMSRs_eea1cfe9-8b19-41d5-816a-1d366011a1c6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_WriteOffOfCapitalizedMortgageServicingRightsFromPayoffs_dba05864-3bbe-4877-bd7f-3fca1cfd909e" xlink:href="abr-20251231.xsd#abr_WriteOffOfCapitalizedMortgageServicingRightsFromPayoffs"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_abr_WriteOffOfCapitalizedMortgageServicingRightsFromPayoffs_dba05864-3bbe-4877-bd7f-3fca1cfd909e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingencyAccrualProvision_0bf3c848-74ba-4b03-9e9d-0f8f6b057e02" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LossContingencyAccrualProvision"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_us-gaap_LossContingencyAccrualProvision_0bf3c848-74ba-4b03-9e9d-0f8f6b057e02" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery_34ca19c2-994b-48f0-bc86-9ef6dd4c2f70" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery_34ca19c2-994b-48f0-bc86-9ef6dd4c2f70" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_LossContingencyAccrualChargeOffsNet_09bc2239-2f42-4dce-ac53-7328703366e6" xlink:href="abr-20251231.xsd#abr_LossContingencyAccrualChargeOffsNet"/>
    <link:calculationArc order="13" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_abr_LossContingencyAccrualChargeOffsNet_09bc2239-2f42-4dce-ac53-7328703366e6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_9c6f438d-2b63-477a-b389-2720cfe8398e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="14" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_9c6f438d-2b63-477a-b389-2720cfe8398e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_f2b517f8-895d-41aa-af8c-9e74d374c8b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromEquityMethodInvestments"/>
    <link:calculationArc order="15" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_f2b517f8-895d-41aa-af8c-9e74d374c8b1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_DistributionsFromEquityAffiliates_fc54d02b-1b88-40e8-901c-664e3129db81" xlink:href="abr-20251231.xsd#abr_DistributionsFromEquityAffiliates"/>
    <link:calculationArc order="16" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_abr_DistributionsFromEquityAffiliates_fc54d02b-1b88-40e8-901c-664e3129db81" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_d3ad7930-3942-4ec4-96c6-3e7277f17df5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainsLossesOnExtinguishmentOfDebt"/>
    <link:calculationArc order="17" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_us-gaap_GainsLossesOnExtinguishmentOfDebt_d3ad7930-3942-4ec4-96c6-3e7277f17df5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_RealEstateOwnedImpairmentCharges_1d49480c-e18b-43a7-89ed-cda5ebbf3980" xlink:href="abr-20251231.xsd#abr_RealEstateOwnedImpairmentCharges"/>
    <link:calculationArc order="18" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_abr_RealEstateOwnedImpairmentCharges_1d49480c-e18b-43a7-89ed-cda5ebbf3980" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_ChangeInFairValueOfHeldForSaleLoans_7ebe6cab-0bb0-4f2e-bc0f-55aafe8f13fb" xlink:href="abr-20251231.xsd#abr_ChangeInFairValueOfHeldForSaleLoans"/>
    <link:calculationArc order="19" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_abr_ChangeInFairValueOfHeldForSaleLoans_7ebe6cab-0bb0-4f2e-bc0f-55aafe8f13fb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnDerivativeInstrumentsNetPretax_d06dd733-4835-4dad-9279-648eeaac84aa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossOnDerivativeInstrumentsNetPretax"/>
    <link:calculationArc order="20" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_us-gaap_GainLossOnDerivativeInstrumentsNetPretax_d06dd733-4835-4dad-9279-648eeaac84aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnSalesOfInvestmentRealEstate_eb90c053-34fd-48c3-afe8-6a2dd2910fbb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainsLossesOnSalesOfInvestmentRealEstate"/>
    <link:calculationArc order="21" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_us-gaap_GainsLossesOnSalesOfInvestmentRealEstate_eb90c053-34fd-48c3-afe8-6a2dd2910fbb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_019c2e6b-5f98-7a0d-8c32-46fe9a9e5fa5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet"/>
    <link:calculationArc order="22" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_21fc6b2a-7750-4506-91b4-8d47b18234bf" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_019c2e6b-5f98-7a0d-8c32-46fe9a9e5fa5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_c60aa227-7fc3-43f6-9795-14581d1b9ea4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_d1c14216-80a8-4b00-adcf-7d447463a055" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_c60aa227-7fc3-43f6-9795-14581d1b9ea4" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_d1c14216-80a8-4b00-adcf-7d447463a055" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_4984accf-9352-4c62-aa25-d56615bd1600" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_c60aa227-7fc3-43f6-9795-14581d1b9ea4" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_4984accf-9352-4c62-aa25-d56615bd1600" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_33f5d4fc-cb3d-4a9a-a847-4f7016e95444" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_c60aa227-7fc3-43f6-9795-14581d1b9ea4" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_33f5d4fc-cb3d-4a9a-a847-4f7016e95444" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/LoansandInvestmentsInvestmentPortfolioandConcentrationofCreditRiskDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#LoansandInvestmentsInvestmentPortfolioandConcentrationofCreditRiskDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/LoansandInvestmentsInvestmentPortfolioandConcentrationofCreditRiskDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_077f3116-e443-4ecd-ad7d-cb30273a6f85" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount_aa2f075d-4bef-4762-9bfb-5c181ed8a395" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_077f3116-e443-4ecd-ad7d-cb30273a6f85" xlink:to="loc_us-gaap_FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount_aa2f075d-4bef-4762-9bfb-5c181ed8a395" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_620548ae-4850-48ad-b469-da73ec08c628" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_077f3116-e443-4ecd-ad7d-cb30273a6f85" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_620548ae-4850-48ad-b469-da73ec08c628" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_567d6d59-e235-4346-bedd-6604258733a2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_077f3116-e443-4ecd-ad7d-cb30273a6f85" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_567d6d59-e235-4346-bedd-6604258733a2" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/LoansandInvestmentsRiskRatingsandLTVRatiosDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#LoansandInvestmentsRiskRatingsandLTVRatiosDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/LoansandInvestmentsRiskRatingsandLTVRatiosDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_1aa784d1-502c-4bd5-b79b-6f996bc2191e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_bba6769a-a327-4112-ade3-56b637ae2b80" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_1aa784d1-502c-4bd5-b79b-6f996bc2191e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_bba6769a-a327-4112-ade3-56b637ae2b80" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_d85ba226-00bf-4b92-9942-76a4ac5671c8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_1aa784d1-502c-4bd5-b79b-6f996bc2191e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_d85ba226-00bf-4b92-9942-76a4ac5671c8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_209f3afd-3ee4-412e-a594-6ed468816a8c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_1aa784d1-502c-4bd5-b79b-6f996bc2191e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_209f3afd-3ee4-412e-a594-6ed468816a8c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_c14e327a-c68d-41cc-a312-8ac730b1e084" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_1aa784d1-502c-4bd5-b79b-6f996bc2191e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_c14e327a-c68d-41cc-a312-8ac730b1e084" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_c0233d36-b8bb-4394-b183-edb91685af1d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_1aa784d1-502c-4bd5-b79b-6f996bc2191e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_c0233d36-b8bb-4394-b183-edb91685af1d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_4f28886e-e498-416a-9e27-82b514385bab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_1aa784d1-502c-4bd5-b79b-6f996bc2191e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_4f28886e-e498-416a-9e27-82b514385bab" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_bf88fba9-28f8-4c8e-81e7-daf5461112ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_a4aa38db-d9f5-4f40-bba4-90ee72607e76" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_bf88fba9-28f8-4c8e-81e7-daf5461112ab" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_a4aa38db-d9f5-4f40-bba4-90ee72607e76" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_1e86b1a3-edd9-49af-867f-26d4b7f049c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_bf88fba9-28f8-4c8e-81e7-daf5461112ab" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_1e86b1a3-edd9-49af-867f-26d4b7f049c1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_a3484b6e-14e6-44ef-b349-439dccd74ffd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_bf88fba9-28f8-4c8e-81e7-daf5461112ab" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_a3484b6e-14e6-44ef-b349-439dccd74ffd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_5cb2e0ec-d9c5-473f-a562-65f52a7899f8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_bf88fba9-28f8-4c8e-81e7-daf5461112ab" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_5cb2e0ec-d9c5-473f-a562-65f52a7899f8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_36e7e1e7-eb07-40f7-9c08-71ebe41828e3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_bf88fba9-28f8-4c8e-81e7-daf5461112ab" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_36e7e1e7-eb07-40f7-9c08-71ebe41828e3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_320a2906-bb9c-43d2-b7f9-a8d41b502411" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_bf88fba9-28f8-4c8e-81e7-daf5461112ab" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_320a2906-bb9c-43d2-b7f9-a8d41b502411" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/LoansHeldforSaleNetDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#LoansHeldforSaleNetDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/LoansHeldforSaleNetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_320a7d70-3bdf-4a3f-ac70-fc092a741e40" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_FairValueOfFutureMortgageServicingRights_592f3ff5-46e5-474d-9a97-7af751cbd48a" xlink:href="abr-20251231.xsd#abr_FairValueOfFutureMortgageServicingRights"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LoansReceivableHeldForSaleAmount_320a7d70-3bdf-4a3f-ac70-fc092a741e40" xlink:to="loc_abr_FairValueOfFutureMortgageServicingRights_592f3ff5-46e5-474d-9a97-7af751cbd48a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_e2d9daa9-b0df-4d93-b2c7-1e3a975611f1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LoansReceivableHeldForSaleAmount_320a7d70-3bdf-4a3f-ac70-fc092a741e40" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_e2d9daa9-b0df-4d93-b2c7-1e3a975611f1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_UnrealizedImpairmentIncomeLoss_725c2c1f-bee0-4f00-9c9e-43caf66d99bc" xlink:href="abr-20251231.xsd#abr_UnrealizedImpairmentIncomeLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LoansReceivableHeldForSaleAmount_320a7d70-3bdf-4a3f-ac70-fc092a741e40" xlink:to="loc_abr_UnrealizedImpairmentIncomeLoss_725c2c1f-bee0-4f00-9c9e-43caf66d99bc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_LoansReceivableHeldForSaleUnearnedDiscount_331dc2da-4c0c-4fc1-a3ae-37d924a7b83c" xlink:href="abr-20251231.xsd#abr_LoansReceivableHeldForSaleUnearnedDiscount"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LoansReceivableHeldForSaleAmount_320a7d70-3bdf-4a3f-ac70-fc092a741e40" xlink:to="loc_abr_LoansReceivableHeldForSaleUnearnedDiscount_331dc2da-4c0c-4fc1-a3ae-37d924a7b83c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/CapitalizedMortgageServicingRightsDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#CapitalizedMortgageServicingRightsDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/CapitalizedMortgageServicingRightsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_3e255851-e525-481e-8287-ca67c5637223" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_1d8a4725-7666-4428-8ea0-39019799d0d0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_3e255851-e525-481e-8287-ca67c5637223" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_1d8a4725-7666-4428-8ea0-39019799d0d0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_2a166f9c-b836-469f-a9dd-3be138cf709a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_3e255851-e525-481e-8287-ca67c5637223" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_2a166f9c-b836-469f-a9dd-3be138cf709a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_0880e6d4-0826-4b53-b71f-959039d0df1f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_3e255851-e525-481e-8287-ca67c5637223" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_0880e6d4-0826-4b53-b71f-959039d0df1f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_6b567ff6-9b4f-4401-93a7-f26b5038b3b8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_3e255851-e525-481e-8287-ca67c5637223" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_6b567ff6-9b4f-4401-93a7-f26b5038b3b8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_d71e201f-1712-4e6d-bb4b-f72f6c8c005b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_3e255851-e525-481e-8287-ca67c5637223" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_d71e201f-1712-4e6d-bb4b-f72f6c8c005b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_c4f5ff28-3004-4aff-aca5-600f77f36a46" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_3e255851-e525-481e-8287-ca67c5637223" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_c4f5ff28-3004-4aff-aca5-600f77f36a46" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/MortgageServicingScheduleofComponentsofServicingRevenueDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#MortgageServicingScheduleofComponentsofServicingRevenueDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/MortgageServicingScheduleofComponentsofServicingRevenueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_abr_ContractuallySpecifiedServicingFeesAmountNet_0bce6244-2e7f-4887-a6ca-2c6c8076a6c9" xlink:href="abr-20251231.xsd#abr_ContractuallySpecifiedServicingFeesAmountNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_ContractuallySpecifiedServicingFeesAmountGross_9b8f8f2c-52ed-447c-8af4-a5777b99592a" xlink:href="abr-20251231.xsd#abr_ContractuallySpecifiedServicingFeesAmountGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_ContractuallySpecifiedServicingFeesAmountNet_0bce6244-2e7f-4887-a6ca-2c6c8076a6c9" xlink:to="loc_abr_ContractuallySpecifiedServicingFeesAmountGross_9b8f8f2c-52ed-447c-8af4-a5777b99592a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaymentFeesOnAdvancesNet_cd5b7f53-3e96-4e4c-8e48-6fea74bd7a5a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrepaymentFeesOnAdvancesNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_ContractuallySpecifiedServicingFeesAmountNet_0bce6244-2e7f-4887-a6ca-2c6c8076a6c9" xlink:to="loc_us-gaap_PrepaymentFeesOnAdvancesNet_cd5b7f53-3e96-4e4c-8e48-6fea74bd7a5a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_InterestEarnedOnEscrows_5ffd1f73-bea5-4165-9549-f751059a5528" xlink:href="abr-20251231.xsd#abr_InterestEarnedOnEscrows"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_ContractuallySpecifiedServicingFeesAmountNet_0bce6244-2e7f-4887-a6ca-2c6c8076a6c9" xlink:to="loc_abr_InterestEarnedOnEscrows_5ffd1f73-bea5-4165-9549-f751059a5528" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_WriteOffsMortgageServicingRightsMsrs_4dc6719c-dad8-4723-a0e0-85a08763b33d" xlink:href="abr-20251231.xsd#abr_WriteOffsMortgageServicingRightsMsrs"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_ContractuallySpecifiedServicingFeesAmountNet_0bce6244-2e7f-4887-a6ca-2c6c8076a6c9" xlink:to="loc_abr_WriteOffsMortgageServicingRightsMsrs_4dc6719c-dad8-4723-a0e0-85a08763b33d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfMortgageServicingRightsMSRs_7f620aec-83ec-436e-85f2-f5913d352155" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfMortgageServicingRightsMSRs"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_ContractuallySpecifiedServicingFeesAmountNet_0bce6244-2e7f-4887-a6ca-2c6c8076a6c9" xlink:to="loc_us-gaap_AmortizationOfMortgageServicingRightsMSRs_7f620aec-83ec-436e-85f2-f5913d352155" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/RealEstateOwnedScheduleofRealEstatePropertiesDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#RealEstateOwnedScheduleofRealEstatePropertiesDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/RealEstateOwnedScheduleofRealEstatePropertiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_abr_RealEstateOwnedNet_2f748cf7-5738-4e94-a772-e9bb373e689a" xlink:href="abr-20251231.xsd#abr_RealEstateOwnedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateOwnedAccumulatedDepreciation_eac4a700-4771-46f3-b6b8-42687f339891" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateOwnedAccumulatedDepreciation"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_RealEstateOwnedNet_2f748cf7-5738-4e94-a772-e9bb373e689a" xlink:to="loc_us-gaap_RealEstateOwnedAccumulatedDepreciation_eac4a700-4771-46f3-b6b8-42687f339891" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_RealEstateOwnedBuildingAndIntangibleAssets_b01622bc-ca71-48ac-bf2d-6975a02186c9" xlink:href="abr-20251231.xsd#abr_RealEstateOwnedBuildingAndIntangibleAssets"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_RealEstateOwnedNet_2f748cf7-5738-4e94-a772-e9bb373e689a" xlink:to="loc_abr_RealEstateOwnedBuildingAndIntangibleAssets_b01622bc-ca71-48ac-bf2d-6975a02186c9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_RealEstateOwnedLand_c87ad5c5-e8ef-4ea6-b459-91868732e156" xlink:href="abr-20251231.xsd#abr_RealEstateOwnedLand"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_RealEstateOwnedNet_2f748cf7-5738-4e94-a772-e9bb373e689a" xlink:to="loc_abr_RealEstateOwnedLand_c87ad5c5-e8ef-4ea6-b459-91868732e156" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_RealEstateOwnedImpairmentLoss_79bb66d7-1537-4e77-85ad-f143c8889ef0" xlink:href="abr-20251231.xsd#abr_RealEstateOwnedImpairmentLoss"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_RealEstateOwnedNet_2f748cf7-5738-4e94-a772-e9bb373e689a" xlink:to="loc_abr_RealEstateOwnedImpairmentLoss_79bb66d7-1537-4e77-85ad-f143c8889ef0" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/GoodwillandOtherIntangibleAssetsOtherIntangiblesAssetActivityDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#GoodwillandOtherIntangibleAssetsOtherIntangiblesAssetActivityDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/GoodwillandOtherIntangibleAssetsOtherIntangiblesAssetActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_257270fe-3e88-420f-996a-7ab4d17cd0e9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_b6479b87-e91e-425b-bb93-2d991b2473f1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_257270fe-3e88-420f-996a-7ab4d17cd0e9" xlink:to="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_b6479b87-e91e-425b-bb93-2d991b2473f1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_5f0d9c7d-b7e8-40b0-9028-c84d3eae0ab5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_257270fe-3e88-420f-996a-7ab4d17cd0e9" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_5f0d9c7d-b7e8-40b0-9028-c84d3eae0ab5" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/GoodwillandOtherIntangibleAssetsOtherIntangiblesAssetActivityDetails_1" xlink:type="simple" xlink:href="abr-20251231.xsd#GoodwillandOtherIntangibleAssetsOtherIntangiblesAssetActivityDetails_1"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/GoodwillandOtherIntangibleAssetsOtherIntangiblesAssetActivityDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_2747a356-1003-43fb-bdb1-1297daad349a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_e02afa6b-5996-42af-9700-eee11a93064e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_2747a356-1003-43fb-bdb1-1297daad349a" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_e02afa6b-5996-42af-9700-eee11a93064e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_6537a8bb-b49e-467e-a07e-608db10ddfa7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_2747a356-1003-43fb-bdb1-1297daad349a" xlink:to="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_6537a8bb-b49e-467e-a07e-608db10ddfa7" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/DebtObligationsConvertibleSeniorUnsecuredNotesDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#DebtObligationsConvertibleSeniorUnsecuredNotesDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/DebtObligationsConvertibleSeniorUnsecuredNotesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_c59420db-2d69-4618-b9fa-348a5b347a1f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_86c091ba-03cd-4646-aa29-443a4cb085ab" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_c59420db-2d69-4618-b9fa-348a5b347a1f" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_86c091ba-03cd-4646-aa29-443a4cb085ab" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_47ce2b0d-fd6b-4396-b00a-e4e2e416ee57" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredFinanceCostsNet"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_c59420db-2d69-4618-b9fa-348a5b347a1f" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_47ce2b0d-fd6b-4396-b00a-e4e2e416ee57" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/FairValueMeasurementonRecurringandNonrecurringBasisDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#FairValueMeasurementonRecurringandNonrecurringBasisDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/FairValueMeasurementonRecurringandNonrecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_abr_ImpairedFinancingReceivableFairValueDisclosure_e15ed5e2-e42a-4517-a42a-eb7a4d87df1e" xlink:href="abr-20251231.xsd#abr_ImpairedFinancingReceivableFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_2fe80104-35a5-4bcb-af3b-8bd17c3c2aa2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_ImpairedFinancingReceivableFairValueDisclosure_e15ed5e2-e42a-4517-a42a-eb7a4d87df1e" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_2fe80104-35a5-4bcb-af3b-8bd17c3c2aa2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_b70c7b09-af9d-4487-ad96-3d3b6a024fbd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_ImpairedFinancingReceivableFairValueDisclosure_e15ed5e2-e42a-4517-a42a-eb7a4d87df1e" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_b70c7b09-af9d-4487-ad96-3d3b6a024fbd" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/FairValueComponentsofFairValueandOtherRelevantInformationDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#FairValueComponentsofFairValueandOtherRelevantInformationDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/FairValueComponentsofFairValueandOtherRelevantInformationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_abr_DerivativeFairValueAdjustmentAdditionReduction_19fe34c2-7268-4cfb-a881-8fd126acc30c" xlink:href="abr-20251231.xsd#abr_DerivativeFairValueAdjustmentAdditionReduction"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_f319392c-bf3e-402e-b2f7-e4f4a5add7a5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageServicingRightsMSRImpairmentRecovery"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_DerivativeFairValueAdjustmentAdditionReduction_19fe34c2-7268-4cfb-a881-8fd126acc30c" xlink:to="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_f319392c-bf3e-402e-b2f7-e4f4a5add7a5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_UnrealizedImpairmentLosses_0e6dda64-514a-4141-8f00-d220ef8948e1" xlink:href="abr-20251231.xsd#abr_UnrealizedImpairmentLosses"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_abr_DerivativeFairValueAdjustmentAdditionReduction_19fe34c2-7268-4cfb-a881-8fd126acc30c" xlink:to="loc_abr_UnrealizedImpairmentLosses_0e6dda64-514a-4141-8f00-d220ef8948e1" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/CommitmentsandContingenciesContractualCommitmentsDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#CommitmentsandContingenciesContractualCommitmentsDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/CommitmentsandContingenciesContractualCommitmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligation_70ce9978-15f5-405f-995c-e3094b7850a7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligation"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_ae5fc979-8f62-4d17-9fe6-6e523e624947" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebt"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_70ce9978-15f5-405f-995c-e3094b7850a7" xlink:to="loc_us-gaap_LongTermDebt_ae5fc979-8f62-4d17-9fe6-6e523e624947" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_6ab1e608-6c5a-4ca2-b16d-f04d1963ecaf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_70ce9978-15f5-405f-995c-e3094b7850a7" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_6ab1e608-6c5a-4ca2-b16d-f04d1963ecaf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_96622983-9a0c-45a1-8d16-39f5b024576d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_b18aeec6-ffdf-4416-95fa-5a8c71415d35" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_96622983-9a0c-45a1-8d16-39f5b024576d" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_b18aeec6-ffdf-4416-95fa-5a8c71415d35" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_b8db604d-c149-469a-83d8-94edcbbeb31c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_96622983-9a0c-45a1-8d16-39f5b024576d" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_b8db604d-c149-469a-83d8-94edcbbeb31c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_07ce0074-1577-4509-8e30-77733a2faaa3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_96622983-9a0c-45a1-8d16-39f5b024576d" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_07ce0074-1577-4509-8e30-77733a2faaa3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_d39028bb-9f3b-4df5-a164-d3f5bc215be2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_96622983-9a0c-45a1-8d16-39f5b024576d" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_d39028bb-9f3b-4df5-a164-d3f5bc215be2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_31546bb0-5267-4bc9-a021-62bbc27b3a49" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_96622983-9a0c-45a1-8d16-39f5b024576d" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_31546bb0-5267-4bc9-a021-62bbc27b3a49" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_6a3f889b-a66a-44c9-8f8d-7dd9979c6b4d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_96622983-9a0c-45a1-8d16-39f5b024576d" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_6a3f889b-a66a-44c9-8f8d-7dd9979c6b4d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInFourthYear_4bcca761-25ca-4b8a-9b8e-69dcf8081b3a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueInFourthYear"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_d5866e54-1400-479f-9bfb-9df612cd623f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligationDueInFourthYear_4bcca761-25ca-4b8a-9b8e-69dcf8081b3a" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_d5866e54-1400-479f-9bfb-9df612cd623f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_28fb858e-bc98-4cba-8294-334e8db8ac46" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligationDueInFourthYear_4bcca761-25ca-4b8a-9b8e-69dcf8081b3a" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_28fb858e-bc98-4cba-8294-334e8db8ac46" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInSecondYear_2a8ec534-b29f-45d1-a548-bdfde078c9f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueInSecondYear"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_c8f8c049-f1c4-43d8-ae85-27979739fdbc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligationDueInSecondYear_2a8ec534-b29f-45d1-a548-bdfde078c9f3" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_c8f8c049-f1c4-43d8-ae85-27979739fdbc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_2c7e6bec-b299-4a04-85e1-c483c0232825" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligationDueInSecondYear_2a8ec534-b29f-45d1-a548-bdfde078c9f3" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_2c7e6bec-b299-4a04-85e1-c483c0232825" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueAfterFifthYear_e86ae659-5f30-4df5-838b-85732dd1b224" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueAfterFifthYear"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_79f89ef3-de46-46fc-acb8-bd11fcfbba5d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligationDueAfterFifthYear_e86ae659-5f30-4df5-838b-85732dd1b224" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_79f89ef3-de46-46fc-acb8-bd11fcfbba5d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_fbd192fb-3a96-4eba-97e1-ce67a9eda73d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligationDueAfterFifthYear_e86ae659-5f30-4df5-838b-85732dd1b224" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_fbd192fb-3a96-4eba-97e1-ce67a9eda73d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInNextTwelveMonths_dca97ddf-112c-4b7e-9369-0eb5f41ebbcf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueInNextTwelveMonths"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_6a645e72-5134-49e5-87ae-cf08b4515455" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligationDueInNextTwelveMonths_dca97ddf-112c-4b7e-9369-0eb5f41ebbcf" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_6a645e72-5134-49e5-87ae-cf08b4515455" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_b26c1208-8927-4353-8ee7-0fefb3d73418" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligationDueInNextTwelveMonths_dca97ddf-112c-4b7e-9369-0eb5f41ebbcf" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_b26c1208-8927-4353-8ee7-0fefb3d73418" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInFifthYear_a7ba171f-ebfd-41d7-a6b2-7faf5bb599c0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueInFifthYear"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_54dd0cea-5552-4e79-9b8f-6b07bb42f1f5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligationDueInFifthYear_a7ba171f-ebfd-41d7-a6b2-7faf5bb599c0" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_54dd0cea-5552-4e79-9b8f-6b07bb42f1f5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_dba1dcbc-0088-4aef-aaaf-dd9b29d003e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligationDueInFifthYear_a7ba171f-ebfd-41d7-a6b2-7faf5bb599c0" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_dba1dcbc-0088-4aef-aaaf-dd9b29d003e5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInThirdYear_d2605f72-f927-4e20-acc6-aa7cbec8e725" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueInThirdYear"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_c72427ea-0022-4814-a684-ad33923410e0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligationDueInThirdYear_d2605f72-f927-4e20-acc6-aa7cbec8e725" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_c72427ea-0022-4814-a684-ad33923410e0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_8953011b-aad3-4e04-a467-1c8cc3d720a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligationDueInThirdYear_d2605f72-f927-4e20-acc6-aa7cbec8e725" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_8953011b-aad3-4e04-a467-1c8cc3d720a8" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/CommitmentsandContingenciesContractualCommitmentsDetails_1" xlink:type="simple" xlink:href="abr-20251231.xsd#CommitmentsandContingenciesContractualCommitmentsDetails_1"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/CommitmentsandContingenciesContractualCommitmentsDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligation_ffa089cf-7299-4a40-923e-042898be2f49" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligation"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInNextTwelveMonths_4a915480-7904-4a57-bc47-71b75b65a20e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueInNextTwelveMonths"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_ffa089cf-7299-4a40-923e-042898be2f49" xlink:to="loc_us-gaap_ContractualObligationDueInNextTwelveMonths_4a915480-7904-4a57-bc47-71b75b65a20e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueAfterFifthYear_a8f0ae1d-90f4-49c4-b433-982dead6bb98" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueAfterFifthYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_ffa089cf-7299-4a40-923e-042898be2f49" xlink:to="loc_us-gaap_ContractualObligationDueAfterFifthYear_a8f0ae1d-90f4-49c4-b433-982dead6bb98" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInFifthYear_59acf1a3-9ab5-4977-9b08-40238ebee4fa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueInFifthYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_ffa089cf-7299-4a40-923e-042898be2f49" xlink:to="loc_us-gaap_ContractualObligationDueInFifthYear_59acf1a3-9ab5-4977-9b08-40238ebee4fa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInFourthYear_3568ea3e-67a4-4472-9270-bd4e6e7bd5f5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueInFourthYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_ffa089cf-7299-4a40-923e-042898be2f49" xlink:to="loc_us-gaap_ContractualObligationDueInFourthYear_3568ea3e-67a4-4472-9270-bd4e6e7bd5f5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInSecondYear_544e9a53-ee75-4475-9657-6b443430f270" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueInSecondYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_ffa089cf-7299-4a40-923e-042898be2f49" xlink:to="loc_us-gaap_ContractualObligationDueInSecondYear_544e9a53-ee75-4475-9657-6b443430f270" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInThirdYear_add1b13f-0bb8-4a98-a95f-d837f56d2573" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueInThirdYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_ffa089cf-7299-4a40-923e-042898be2f49" xlink:to="loc_us-gaap_ContractualObligationDueInThirdYear_add1b13f-0bb8-4a98-a95f-d837f56d2573" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/EquityEarningsPerShareEPSDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#EquityEarningsPerShareEPSDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/EquityEarningsPerShareEPSDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_ec9d413c-4a21-4fc4-8691-1c8db3ff6f7c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_74239bbe-6ede-4f26-a771-af59fa62bcbc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_ec9d413c-4a21-4fc4-8691-1c8db3ff6f7c" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_74239bbe-6ede-4f26-a771-af59fa62bcbc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_159b9380-6bdd-4600-9d4e-366937e8662d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_ec9d413c-4a21-4fc4-8691-1c8db3ff6f7c" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_159b9380-6bdd-4600-9d4e-366937e8662d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_IncrementalCommonSharesAttributableToDilutiveEffectOfOperatingPartnershipUnits_a0e92950-0b5e-4a77-a344-016c89bb1dad" xlink:href="abr-20251231.xsd#abr_IncrementalCommonSharesAttributableToDilutiveEffectOfOperatingPartnershipUnits"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_ec9d413c-4a21-4fc4-8691-1c8db3ff6f7c" xlink:to="loc_abr_IncrementalCommonSharesAttributableToDilutiveEffectOfOperatingPartnershipUnits_a0e92950-0b5e-4a77-a344-016c89bb1dad" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities_97b5286b-5fd4-4e39-8b24-4f9a3fc77718" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_ec9d413c-4a21-4fc4-8691-1c8db3ff6f7c" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfDebtSecurities_97b5286b-5fd4-4e39-8b24-4f9a3fc77718" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/IncomeTaxesScheduleofProvisionforIncomeTaxesDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#IncomeTaxesScheduleofProvisionforIncomeTaxesDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/IncomeTaxesScheduleofProvisionforIncomeTaxesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_c8678994-fc64-4d5b-83c7-25082b12b940" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_272fc3ad-34ac-4131-9e3c-f88d4bd0096f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_c8678994-fc64-4d5b-83c7-25082b12b940" xlink:to="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_272fc3ad-34ac-4131-9e3c-f88d4bd0096f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxesAndTaxCredits_74aafbde-8ef6-4b2a-b8a7-6a07b471a698" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxesAndTaxCredits"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_c8678994-fc64-4d5b-83c7-25082b12b940" xlink:to="loc_us-gaap_DeferredIncomeTaxesAndTaxCredits_74aafbde-8ef6-4b2a-b8a7-6a07b471a698" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxesAndTaxCredits_0c8d70e3-5870-4bf2-9ef9-c53182981d36" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxesAndTaxCredits"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_25c83e35-f140-4912-960a-3e85d3800146" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxesAndTaxCredits_0c8d70e3-5870-4bf2-9ef9-c53182981d36" xlink:to="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_25c83e35-f140-4912-960a-3e85d3800146" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_805a297c-8302-4a17-aa81-6f60f64f961a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxesAndTaxCredits_0c8d70e3-5870-4bf2-9ef9-c53182981d36" xlink:to="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_805a297c-8302-4a17-aa81-6f60f64f961a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_ValuationAllowanceOnDeferredTaxExpenseBenefit_f1e94353-97f8-4ea6-a6e2-106d2a4c4182" xlink:href="abr-20251231.xsd#abr_ValuationAllowanceOnDeferredTaxExpenseBenefit"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxesAndTaxCredits_0c8d70e3-5870-4bf2-9ef9-c53182981d36" xlink:to="loc_abr_ValuationAllowanceOnDeferredTaxExpenseBenefit_f1e94353-97f8-4ea6-a6e2-106d2a4c4182" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_83a1caad-ed54-4798-b5c1-0c50d0248810" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_08d08638-ced4-4b17-8da0-98724d834542" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CurrentStateAndLocalTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_83a1caad-ed54-4798-b5c1-0c50d0248810" xlink:to="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_08d08638-ced4-4b17-8da0-98724d834542" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentFederalTaxExpenseBenefit_a63f9e64-1d1e-4253-8fdb-18bd0cf92ffe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CurrentFederalTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CurrentIncomeTaxExpenseBenefit_83a1caad-ed54-4798-b5c1-0c50d0248810" xlink:to="loc_us-gaap_CurrentFederalTaxExpenseBenefit_a63f9e64-1d1e-4253-8fdb-18bd0cf92ffe" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/IncomeTaxesScheduleofDeferredTaxAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsNet_7b5e1337-c2e6-4684-b8f4-29bdedf4719b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOther_69b9d282-389e-4b80-88d5-4502eaa4c784" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsOther"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsNet_7b5e1337-c2e6-4684-b8f4-29bdedf4719b" xlink:to="loc_us-gaap_DeferredTaxAssetsOther_69b9d282-389e-4b80-88d5-4502eaa4c784" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_DeferredTaxAssetsNonDeductibleExpenses_774af23b-e288-4ed1-9e9e-a874cf8def8c" xlink:href="abr-20251231.xsd#abr_DeferredTaxAssetsNonDeductibleExpenses"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsNet_7b5e1337-c2e6-4684-b8f4-29bdedf4719b" xlink:to="loc_abr_DeferredTaxAssetsNonDeductibleExpenses_774af23b-e288-4ed1-9e9e-a874cf8def8c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_232e40ce-33b6-4e50-a07c-a89a97c41ede" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsNet_7b5e1337-c2e6-4684-b8f4-29bdedf4719b" xlink:to="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_232e40ce-33b6-4e50-a07c-a89a97c41ede" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves_5593cb4a-6ee5-43db-b346-8169a64df77b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsNet_7b5e1337-c2e6-4684-b8f4-29bdedf4719b" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves_5593cb4a-6ee5-43db-b346-8169a64df77b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilities_4d1f9bd3-ea5c-4c5a-8460-e01074456fde" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesInvestmentInNoncontrolledAffiliates_3e0f4727-3d64-4f5a-a7c1-6c3aafe0899c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilitiesInvestmentInNoncontrolledAffiliates"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_4d1f9bd3-ea5c-4c5a-8460-e01074456fde" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesInvestmentInNoncontrolledAffiliates_3e0f4727-3d64-4f5a-a7c1-6c3aafe0899c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets_d756e5c3-e189-4e92-b530-c22ab9b4ea6a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_4d1f9bd3-ea5c-4c5a-8460-e01074456fde" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets_d756e5c3-e189-4e92-b530-c22ab9b4ea6a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_2ee3fea7-b9d1-4b96-b7ee-6e6caef5469c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredTaxLiabilitiesMortgageServicingRights"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_4d1f9bd3-ea5c-4c5a-8460-e01074456fde" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_2ee3fea7-b9d1-4b96-b7ee-6e6caef5469c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/IncomeTaxesScheduleofReconciliationofIncomeTaxRateDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#IncomeTaxesScheduleofReconciliationofIncomeTaxRateDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/IncomeTaxesScheduleofReconciliationofIncomeTaxRateDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_22c11e86-e3d6-4d36-ae0c-d2b5dc8c86cb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_798eeb1f-3797-4bde-a52e-0324e36e7af7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_22c11e86-e3d6-4d36-ae0c-d2b5dc8c86cb" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_798eeb1f-3797-4bde-a52e-0324e36e7af7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_6712a3c4-a0ad-4d32-b68f-98d64aea0f02" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_22c11e86-e3d6-4d36-ae0c-d2b5dc8c86cb" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes_6712a3c4-a0ad-4d32-b68f-98d64aea0f02" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance_9d01c570-3af4-4466-82c5-74c661523db3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_22c11e86-e3d6-4d36-ae0c-d2b5dc8c86cb" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationChangeInDeferredTaxAssetsValuationAllowance_9d01c570-3af4-4466-82c5-74c661523db3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome_d5d32d53-6758-4d7a-8da8-412027e0a7d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_22c11e86-e3d6-4d36-ae0c-d2b5dc8c86cb" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome_d5d32d53-6758-4d7a-8da8-412027e0a7d7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseOther_019c0b51-65d1-7cb6-8d7a-239762f06b06" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseOther"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_22c11e86-e3d6-4d36-ae0c-d2b5dc8c86cb" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseOther_019c0b51-65d1-7cb6-8d7a-239762f06b06" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent_019c0b51-65d1-7b6e-b5e3-272faf54587b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateContinuingOperations_22c11e86-e3d6-4d36-ae0c-d2b5dc8c86cb" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent_019c0b51-65d1-7b6e-b5e3-272faf54587b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019c0b51-8c70-7646-8f54-e7ba84abbd61" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_019c0b51-8c70-7ae5-b20d-e1b48c30dffd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c0b51-8c70-7646-8f54-e7ba84abbd61" xlink:to="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_019c0b51-8c70-7ae5-b20d-e1b48c30dffd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_019c0b51-8c70-7131-a33f-03fe28692469" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c0b51-8c70-7646-8f54-e7ba84abbd61" xlink:to="loc_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_019c0b51-8c70-7131-a33f-03fe28692469" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance_019c0b51-8c70-7cd0-8606-ca75ee7bf38b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c0b51-8c70-7646-8f54-e7ba84abbd61" xlink:to="loc_us-gaap_IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance_019c0b51-8c70-7cd0-8606-ca75ee7bf38b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationTaxExemptIncome_019c0b51-8c70-79ac-af82-0cb8a2d261e7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c0b51-8c70-7646-8f54-e7ba84abbd61" xlink:to="loc_us-gaap_IncomeTaxReconciliationTaxExemptIncome_019c0b51-8c70-79ac-af82-0cb8a2d261e7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpenseOther_019c0b51-8c70-7a0f-8fae-6c1be58dbdf5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationNondeductibleExpenseOther"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c0b51-8c70-7646-8f54-e7ba84abbd61" xlink:to="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpenseOther_019c0b51-8c70-7a0f-8fae-6c1be58dbdf5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationOtherReconcilingItems_019c0b51-8c70-74de-b18f-b16f3f242c51" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxReconciliationOtherReconcilingItems"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_019c0b51-8c70-7646-8f54-e7ba84abbd61" xlink:to="loc_us-gaap_IncomeTaxReconciliationOtherReconcilingItems_019c0b51-8c70-74de-b18f-b16f3f242c51" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/IncomeTaxesScheduleofIncomeTaxesPaidDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#IncomeTaxesScheduleofIncomeTaxesPaidDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/IncomeTaxesScheduleofIncomeTaxesPaidDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesPaidNet_019c0b57-82eb-7d86-a2a3-b286ff86169e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxesPaidNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxPaidFederalAfterRefundReceived_019c0b57-82eb-7374-b999-21c2f883778d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxPaidFederalAfterRefundReceived"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxesPaidNet_019c0b57-82eb-7d86-a2a3-b286ff86169e" xlink:to="loc_us-gaap_IncomeTaxPaidFederalAfterRefundReceived_019c0b57-82eb-7374-b999-21c2f883778d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxPaidStateAndLocalAfterRefundReceived_019c0b57-82eb-7d0a-98c7-12880b9fe242" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxPaidStateAndLocalAfterRefundReceived"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxesPaidNet_019c0b57-82eb-7d86-a2a3-b286ff86169e" xlink:to="loc_us-gaap_IncomeTaxPaidStateAndLocalAfterRefundReceived_019c0b57-82eb-7d0a-98c7-12880b9fe242" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/SegmentInformationStatementsofIncomeDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#SegmentInformationStatementsofIncomeDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/SegmentInformationStatementsofIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_01a2775b-a50d-4e98-94dc-2328ae7a578a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_f047b221-8911-440e-a23a-eeb15259aa87" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_01a2775b-a50d-4e98-94dc-2328ae7a578a" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_f047b221-8911-440e-a23a-eeb15259aa87" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_OriginatedMortgageServicingRightsRevenue_ed427189-c893-42da-af62-d593f38abe38" xlink:href="abr-20251231.xsd#abr_OriginatedMortgageServicingRightsRevenue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_01a2775b-a50d-4e98-94dc-2328ae7a578a" xlink:to="loc_abr_OriginatedMortgageServicingRightsRevenue_ed427189-c893-42da-af62-d593f38abe38" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractuallySpecifiedServicingFeesAmount_b2f48fd3-79cf-4481-9c3d-251d2415256b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractuallySpecifiedServicingFeesAmount"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_01a2775b-a50d-4e98-94dc-2328ae7a578a" xlink:to="loc_us-gaap_ContractuallySpecifiedServicingFeesAmount_b2f48fd3-79cf-4481-9c3d-251d2415256b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfMortgageServicingRightsMSRs_c57a30fd-3caa-4c67-a0dd-8a216bd46177" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfMortgageServicingRightsMSRs"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_01a2775b-a50d-4e98-94dc-2328ae7a578a" xlink:to="loc_us-gaap_AmortizationOfMortgageServicingRightsMSRs_c57a30fd-3caa-4c67-a0dd-8a216bd46177" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLeaseIncome_c3f9c983-1034-4649-a579-b380a031bb35" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseLeaseIncome"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_01a2775b-a50d-4e98-94dc-2328ae7a578a" xlink:to="loc_us-gaap_OperatingLeaseLeaseIncome_c3f9c983-1034-4649-a579-b380a031bb35" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossOnDerivativeNet_7210a9fa-c060-4d98-9906-a0d05cf5ab42" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeGainLossOnDerivativeNet"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_01a2775b-a50d-4e98-94dc-2328ae7a578a" xlink:to="loc_us-gaap_DerivativeGainLossOnDerivativeNet_7210a9fa-c060-4d98-9906-a0d05cf5ab42" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_962a8353-c9ad-4cd4-b3da-bea94d3f283a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_01a2775b-a50d-4e98-94dc-2328ae7a578a" xlink:to="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_962a8353-c9ad-4cd4-b3da-bea94d3f283a" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.arborrealtytrust.com/role/SegmentInformationBalanceSheetDetails" xlink:type="simple" xlink:href="abr-20251231.xsd#SegmentInformationBalanceSheetDetails"/>
  <link:calculationLink xlink:role="http://www.arborrealtytrust.com/role/SegmentInformationBalanceSheetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_60fc9cf9-d4bf-4fb7-8559-e5ae464ec51f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_89fbbe7d-0047-4d82-bd70-daaedbe57720" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_60fc9cf9-d4bf-4fb7-8559-e5ae464ec51f" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_89fbbe7d-0047-4d82-bd70-daaedbe57720" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_ed63ecb8-6ce5-41e4-b102-7a1db0d6a66c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_60fc9cf9-d4bf-4fb7-8559-e5ae464ec51f" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_ed63ecb8-6ce5-41e4-b102-7a1db0d6a66c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_091cba0e-644d-4ec1-bf34-af3398e5e589" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_60fc9cf9-d4bf-4fb7-8559-e5ae464ec51f" xlink:to="loc_us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet_091cba0e-644d-4ec1-bf34-af3398e5e589" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateInvestmentPropertyNet_b97ba6aa-25c8-4168-a390-1236ff5a347a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateInvestmentPropertyNet"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_60fc9cf9-d4bf-4fb7-8559-e5ae464ec51f" xlink:to="loc_us-gaap_RealEstateInvestmentPropertyNet_b97ba6aa-25c8-4168-a390-1236ff5a347a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalents_b34d81f8-e732-4e1f-8367-41686ef17468" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCashAndCashEquivalents"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_60fc9cf9-d4bf-4fb7-8559-e5ae464ec51f" xlink:to="loc_us-gaap_RestrictedCashAndCashEquivalents_b34d81f8-e732-4e1f-8367-41686ef17468" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtAmortizedValue_03661a5a-3e15-43bb-aa5f-3e4b04bd8e49" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtAmortizedValue"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_60fc9cf9-d4bf-4fb7-8559-e5ae464ec51f" xlink:to="loc_us-gaap_ServicingAssetAtAmortizedValue_03661a5a-3e15-43bb-aa5f-3e4b04bd8e49" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_OtherAssetsConsolidatingFinancialInformation_966d7168-8b82-48ec-946b-4f440fd6a882" xlink:href="abr-20251231.xsd#abr_OtherAssetsConsolidatingFinancialInformation"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_60fc9cf9-d4bf-4fb7-8559-e5ae464ec51f" xlink:to="loc_abr_OtherAssetsConsolidatingFinancialInformation_966d7168-8b82-48ec-946b-4f440fd6a882" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_6ebea290-b790-4def-adb5-eed2ec5d428a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_60fc9cf9-d4bf-4fb7-8559-e5ae464ec51f" xlink:to="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_6ebea290-b790-4def-adb5-eed2ec5d428a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_f7e7b7b9-bd4d-4c54-8331-fb83b08ed13a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_60fc9cf9-d4bf-4fb7-8559-e5ae464ec51f" xlink:to="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_f7e7b7b9-bd4d-4c54-8331-fb83b08ed13a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecurities_e02b463f-0c3c-489a-a941-c4f4e4bb0850" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HeldToMaturitySecurities"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_60fc9cf9-d4bf-4fb7-8559-e5ae464ec51f" xlink:to="loc_us-gaap_HeldToMaturitySecurities_e02b463f-0c3c-489a-a941-c4f4e4bb0850" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_16c24c14-1000-49d7-9c17-99a9d5c4566b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_DebtObligations_11f8a263-1f09-4f7c-b9cf-6c1aea04e425" xlink:href="abr-20251231.xsd#abr_DebtObligations"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_16c24c14-1000-49d7-9c17-99a9d5c4566b" xlink:to="loc_abr_DebtObligations_11f8a263-1f09-4f7c-b9cf-6c1aea04e425" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_AllowanceForLossSharingObligations_d14c331a-6e9e-457f-bf67-66cd64da64dc" xlink:href="abr-20251231.xsd#abr_AllowanceForLossSharingObligations"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_16c24c14-1000-49d7-9c17-99a9d5c4566b" xlink:to="loc_abr_AllowanceForLossSharingObligations_d14c331a-6e9e-457f-bf67-66cd64da64dc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_abr_OtherLiabilitiesConsolidatingFinancialInformation_835bcd81-f116-451f-adb0-5e9412c7f45f" xlink:href="abr-20251231.xsd#abr_OtherLiabilitiesConsolidatingFinancialInformation"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_16c24c14-1000-49d7-9c17-99a9d5c4566b" xlink:to="loc_abr_OtherLiabilitiesConsolidatingFinancialInformation_835bcd81-f116-451f-adb0-5e9412c7f45f" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
