Company: ABR-PF
Filing Date: 2025-10-31
Form Type: 10-Q
Source: 0001253986-25-000022
Chunk: 180

Company: ARBOR REALTY TRUST INC
Filing Date: 2025-10-31
Form: 10-Q
Item: Part I, Item 8
Chunk 180
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5 months. These modifications also include loans with a total UPB of $556.3 million in which the pay rate increases from time-to-time throughout the loans' maturities.(2)These loans were modified to reduce the interest rate to a weighted average pay rate and deferred rate of 4.72% and 1.74%, respectively, at September 30, 2025 and to extend the weighted average term by 18.6 months.(3)These loan modifications included amending certain terms, such as reallocating and/or replenishment of reserves, providing for a temporary and conditional forbearance of foreclosure and temporarily delaying past due interest payments.(4)The total UPB of these loan modifications was $1.91 billion at September 30, 2025 and represented 16.70% of our total Structured Business loan and investment portfolio at September 30, 2025.(5)At September 30, 2025, modified loans with a UPB of $143.3 million have specific reserves totaling $12.0 million.

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

(6)Includes loans with a total UPB of $993.3 million which were previously modified. Using the SOFR rate at September 30, 2025, these loans were modified from a weighted average pay rate and deferred rate of 6.22% and 1.38%, respectively, to a weighted average pay rate and deferred rate of 4.36% and 3.16%, respectively.The following table represents the UPB of loan modifications, as of the modification date, made to borrowers experiencing financial difficulty during the three months ended September 30, 2024 (in thousands):Asset ClassPayment Deferrals With/Without Term Extensions (1)Term Extensions (2)Other (3)Total (4)(5)(6)Multifamily$710,667 $206,795 $236,850 $1,154,312 ________________________(1)These loans were modified to a weighted average pay rate and deferred rate of 6.01% and 2.58%, respectively, at September 30, 2024. A portion of these loans (total UPB of $618.8 million) were also modified to extend the weighted average term by 19.0 months. These modifications also include loans with a total