Company: ABR-PF
Filing Date: 2025-05-02
Form Type: 10-Q
Source: 0001628280-25-021683
Chunk: 43

Company: ARBOR REALTY TRUST INC
Filing Date: 2025-05-02
Form: 10-Q
Item: Part I, Item 1
Chunk 43
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 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 March 31, 2025, and charge-offs recorded for the three months ended March 31, 2025 is as follows ($ in thousands):UPB by Origination YearTotalWtd. Avg.First DollarLTV Ratio Wtd. Avg.Last DollarLTV Ratio Asset Class / Risk Rating20252024202320222021PriorMultifamily:Pass$367,940 $134,876 $52,364 $113,477 $55,453 $26,814 $750,924 Pass/Watch61,802 472,209 297,282 851,639 842,472 200,895 2,726,299 Special Mention— 144,363 35,688 2,084,634 2,067,639 148,294 4,480,618 Substandard— 3,839 658 187,740 680,605 — 872,842 Doubtful— 9,460 — 156,472 23,815 24,565 214,312 Total Multifamily$429,742 $764,747 $385,992 $3,393,962 $3,669,984 $400,568 $9,044,995 2 %83 %Single-Family Rental:Percentage of portfolio79 %Pass$24,715 $— $— $— $18,976 $14,601 $58,292 Pass/Watch128,410 692,739 430,621 460,893 165,413 37,293 1,915,369 Special Mention— 49,001 94,875 55,440 — 77,916