Company: ABR-PF
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0001253986-25-000022
Chunk: 73

Company: ARBOR REALTY TRUST INC
Filing Date: 2025-10-31
Form: 10-Q
Item: Part I, Item 1
Chunk 73
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 Ended September 30, 2024Nine Months Ended September 30, 2024Beginning balance$374,159 $6,560 $380,719 $382,582 $8,672 $391,254 Additions14,476 — 14,476 41,877 — 41,877 Amortization(16,621)(678)(17,299)(48,593)(2,224)(50,817)Write-downs and payoffs(1,469)(24)(1,493)(5,321)(590)(5,911)Ending balance$370,545 $5,858 $376,403 $370,545 $5,858 $376,403 We collected prepayment fees totaling $0.5 million and $2.4 million during the three and nine months ended September 30, 2025, respectively, and $0.4 million and $1.2 million during the three and nine months ended September 30, 2024, respectively, which are included as a component of servicing revenue, net on the consolidated statements of income. At September 30, 2025 and December 31, 2024, no MSRs were considered impaired.The expected amortization of capitalized MSRs recorded at September 30, 2025 is as follows (in thousands):YearAmortization2025 (three months ending 12/31/2025)$18,107 202668,823 202764,472 202857,480 202948,558 Thereafter87,473 Total$344,913 Based on scheduled maturities, actual amortization may vary from these estimates.

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

Note 6 — Mortgage Servicing

Product and geographic concentrations that impact our servicing revenue are as follows ($ in thousands):September 30, 2025Product ConcentrationsGeographic ConcentrationsProduct UPB (1)% of Total StateUPB % of TotalFannie Mae$23,468,256 67 %New York12 %Freddie Mac7,090,516 20 %Texas10 %Private Label2,561,736 7 %North Carolina8 %FHA1,492,536 4 %California7 %SFR -