Company: ABR-PF
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0001253986-25-000022
Chunk: 189

Company: ARBOR REALTY TRUST INC
Filing Date: 2025-10-31
Form: 10-Q
Item: Part I, Item 8
Chunk 189
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 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 - Fixed Rate279,650 1 %Florida7 %Bridge (2)277,935 1 %Georgia6 %Total$35,170,629 100 %New Jersey5 %Other (3)45 %Total100 %December 31, 2024Fannie Mae$22,730,056 67 %Texas11 %Freddie Mac6,077,020 18 %New York11 %Private Label2,605,980 8 %California8 %FHA1,506,948 5 %North Carolina7 %Bridge (2)278,494 1 %Georgia6 %SFR - Fixed Rate271,859 1 %Florida6 %Total$33,470,357 100 %New Jersey5 %Other (3)46 %Total100 %________________________(1)Excludes loans which we are not collecting a servicing fee.(2)Represents four bridge loans sold by our Structured Business that we are servicing.(3)No other