Company: ABR-PF
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001253986-25-000014
Chunk: 54

Company: ARBOR REALTY TRUST INC
Filing Date: 2025-08-01
Form: 10-Q
Item: Part I, Item 1
Chunk 54
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 profile, risk ratings of pass, pass/watch and special mention suggest that we expect the borrower to make both principal and interest payments according to the contractual terms of the current loan agreement or, we expect to recover our investment, including accrued interest, based on the current value of the collateral and/or financial strength of the guarantors. A risk rating of substandard indicates we have observed weaknesses in one or more of the loan's credit quality factors and we anticipate the loan may require a modification of some kind to avoid a loss of interest and/or principal. A risk rating of doubtful indicates we expect the loan to underperform over its term, there could be loss of interest and/or principal, and we may need to take action to protect our investment including foreclosing on the underlying collateral. Further, while the above are the primary guidelines used in determining a certain risk rating, subjective items such as the financial strength of guarantors, market strength, asset quality, or a borrower's ability to perform under modified loan terms may result in a rating that is higher or lower than might be indicated by any risk rating matrix.

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Table of ContentsARBOR REALTY TRUST, INC. AND SUBSIDIARIESNOTES TO CONSOLIDATED FINANCIAL STATEMENTS (Unaudited)

A summary of the loan portfolio’s internal risk ratings and LTV ratios by asset class at June 30, 2025, and charge-offs recorded for the six months ended June 30, 2025 is as follows ($ in thousands):UPB by Origination YearTotalWtd. Avg.First DollarLTV Ratio Wtd. Avg.Last DollarLTV Ratio Asset Class / Risk Rating20252024202320222021PriorMultifamily:Pass$431,196 $56,945 $32,369 $78,944 $9,903 $26,795 $636,152 Pass/Watch313,012 497,269 295,934 779,822 674,877 159,810 2,720,724 Special Mention— 202,814 35,688 2,048,287 2,270,295 150,079 4,707,163 Substandard— 11,963 — 90,534 453,853 — 556,350 Doubtful— 9,460 — 148,162 82,382 24,565 264,569 Total Multifamily$744,208