Company: ABR-PF
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0001253986-25-000022
Chunk: 53

Company: ARBOR REALTY TRUST INC
Filing Date: 2025-10-31
Form: 10-Q
Item: Part I, Item 1
Chunk 53
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 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.A summary of the loan portfolio’s internal risk ratings and LTV ratios by asset class at September 30, 2025, and charge-offs recorded for the nine months ended September 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$442,488 $74,273 $27,819 $12,892 $34,849 $24,766 $617,087 Pass/Watch833,895 515,270 24,580 741,442 505,547 164,605 2,785,339 Special Mention18,000 168,278 263,218 1,711,896 2,108,540 125,594 4,395,526 Substandard— — 21,100 132,149 360,164 — 513,413 Doubtful— 9,460 — 232,337 179,902 24,565 446,264 Total Multifamily$1,294,383 $767,281 $336,717 $2,830,716 $3,189,002 $339,530 $8,757,629 3 %83 %Single-Family Rental:Percentage of portfolio75 %Pass$30,614 $— $69,481 $44,078 $— $— $144,173 Pass/