Company: ABR-PF
Filing Date: 2025-08-01
Form Type: 10-Q
Source: 0001253986-25-000014
Chunk: 72

Company: ARBOR REALTY TRUST INC
Filing Date: 2025-08-01
Form: 10-Q
Item: Part I, Item 1
Chunk 72
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 that were 90 days or more past due, and there were no loans held-for-sale that were placed on a non-accrual status.

Note 5 — Capitalized Mortgage Servicing Rights

Our capitalized mortgage servicing rights (“MSRs”) reflect commercial real estate MSRs derived primarily from loans sold in our Agency Business or acquired MSRs. The discount rates used to determine the present value of all our MSRs throughout the periods presented were between 8% - 14% (representing a weighted average discount rate of 12%) based on our best estimate of market discount rates. The weighted average estimated life remaining of our MSRs was 6.5 years and 6.9 years at June 30, 2025 and December 31, 2024, respectively.

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

A summary of our capitalized MSR activity is as follows (in thousands):Three Months Ended June 30, 2025Six Months Ended June 30, 2025OriginatedAcquiredTotalOriginatedAcquiredTotalBeginning balance$353,005 $4,215 $357,220 $363,861 $4,817 $368,678 Additions10,931 — 10,931 20,337 — 20,337 Amortization(17,264)(503)(17,767)(34,459)(1,066)(35,525)Write-downs and payoffs(2,042)(16)(2,058)(5,109)(55)(5,164)Ending balance$344,630 $3,696 $348,326 $344,630 $3,696 $348,326 Three Months Ended June 30, 2024Six Months Ended June 30, 2024Beginning balance$377,747 $7,773 $385,520 $382,582 $8,672 $391,254 Additions14,717 — 14,717 27,401 — 27,401 Amortization(16,151)(736)(16,887)(31,972)(1,546)(33,518)Write-downs and payoffs(2,154)(477)(2,631)(3,852)(566)(4,418)Ending balance$374,159