**Arbor Realty Trust Reports Fiscal Year 2025 Results**
Arbor Realty Trust, Inc., a real estate investment trust (REIT) and direct lender, today released its financial results for the fiscal year ended December 31, 2025. The company reported net income attributable to common stockholders of $107.4 million, a decrease from $223.3 million in the prior fiscal year. Interest income decreased to $940.0 million from $1.17 billion in 2024, while interest expense decreased to $701.8 million from $804.6 million. The company's structured loan and investment portfolio reached $12.11 billion, with a weighted average pay rate of 6.49%.
The company's Agency Business saw loan originations of $5.07 billion and loan sales of $5.10 billion. The sales margin, representing gains and fees as a percentage of loan sales volume, was 138 basis points for 2025. Income from mortgage servicing rights (MSRs) was 107 basis points of loan commitment volume. The servicing portfolio grew to $36.20 billion, with Fannie Mae loans comprising 66% of the portfolio. The company also reported a decrease in the provision for credit losses, net, to $42.7 million from $68.5 million in the previous year.
Strategic developments during the year included the issuance of $900 million in senior unsecured notes and the closing of two new CLO vehicles totaling $1.85 billion. The company also unwound three CLOs, redeeming $1.56 billion of outstanding notes. These actions were part of the company's efforts to manage its financing and capital structure. The company also modified 43 loans with a total UPB of $1.71 billion, of which 36 loans were modified to provide temporary rate relief through a pay and accrual feature.
Looking ahead, Arbor Realty Trust faces a complex market environment characterized by volatile interest rates and geopolitical uncertainty. The company is focused on managing credit quality and generating agency lending opportunities by refinancing its multifamily bridge loan portfolio. The company's ability to navigate these challenges and execute its strategies will be critical to its future financial performance. The company also noted that FHFA set its 2026 loan origination caps for Fannie Mae and Freddie Mac at $88 billion for each enterprise for a total opportunity of $176 billion.
About ARBOR REALTY TRUST INC
Arbor Realty Trust, Inc. is a Maryland-based real estate investment trust (REIT) specializing in commercial real estate financing. The company offers structured loans and agency lending services, focusing on multifamily and single-family rental markets. With a robust portfolio and a strategic emphasis on maximizing interest margins, Arbor targets borrowers needing customized financing solutions. The firm leverages established relationships with government-sponsored enterprises to enhance its lending capabilities and expand market opportunities.
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