# Arbor Realty Trust

> Arbor Realty Trust is a nationwide real estate investment trust and direct lender that finances apartment buildings and rental-home portfolios from first bridge loan to permanent agency take-out. It runs two engines - a balance-sheet 'Structured Business' that lends its own capital on bridge, mezzanine, and preferred-equity deals, and an 'Agency Business' that originates, sells, and services multifamily loans through Fannie Mae, Freddie Mac, and FHA - keeping the servicing rights (and the fees) for years after the money is out the door.

- **Founded:** 2003
- **Headquarters:** Uniondale, New York, United States
- **Founders:** Ivan Kaufman (Founder, Chairman, President & CEO)
- **Team size:** ~660 employees (approximate)
- **Products:** Agency Multifamily Loans, Bridge Loans, Single-Family Rental (SFR) & Build-to-Rent, Structured Finance, In-House Loan Servicing
- **Notable:** Top-10 Fannie Mae DUS multifamily lender for 19 consecutive years (through 2025)., Won the Fannie Mae DUS Lender Award for Excellence in Operations (2024)., Consistent top-5 Fannie Mae Small Loans lender (ranked 2nd in 2025).

## Products & services

- **Agency Multifamily Loans** — Origination, sale, and servicing of multifamily loans through Fannie Mae DUS, Freddie Mac Optigo, FHA/HUD (MAP, LIHTC, Lean), and Ginnie Mae programs.
- **Bridge Loans** — Short-term, floating-rate balance-sheet loans for acquisition, repositioning, and stabilization of multifamily and commercial properties, typically bridging to a permanent agency take-out.
- **Single-Family Rental (SFR) & Build-to-Rent** — Construction, bridge, and permanent financing for SFR and build-to-rent portfolios, with permanent loans starting at $1 million and 5/7/10-year terms.
- **Structured Finance** — Mezzanine loans, preferred equity, junior participation interests, and CMBS - part of the balance-sheet 'Structured Business' segment.
- **In-House Loan Servicing** — A multi-billion-dollar, GSE-focused servicing platform that retains servicing rights on originated loans, generating recurring, prepayment-protected fee income.
- **ALEX (Arbor Loan Express)** — Proprietary online portal that lets borrowers apply, upload documents, and track loans through the origination process.

## Achievements

- Top-10 Fannie Mae DUS multifamily lender for 19 consecutive years (through 2025).
- Won the Fannie Mae DUS Lender Award for Excellence in Operations (2024).
- Consistent top-5 Fannie Mae Small Loans lender (ranked 2nd in 2025).
- Recognized as a top multifamily lender by Fannie Mae, Freddie Mac, and FHA.
- Grew its fee-based servicing portfolio to roughly $36 billion.
- Completed multiple large 2025 securitizations, including an ~$801.9M build-to-rent deal.

## Latest updates

- **2026-02** — Reported full-year 2025 results with net income down sharply year-over-year and the quarterly dividend reduced to $0.17 per share; servicing portfolio grew toward ~$36 billion.
- **2025-01** — Completed a series of 2025 securitizations, including an ~$801.9M build-to-rent deal and a $1.05B securitization priced at 1.82% over SOFR.
- **2025-02** — Reported FY2024 results: revenue ~$1.43B, net income $223.3M, fee-based servicing portfolio $33.47B.
- **2023-11** — Viceroy Research published short-seller reports questioning the quality of Arbor's bridge-loan book; shares fell and shareholder litigation followed.

## Links

- Website: https://arbor.com
- LinkedIn: https://www.linkedin.com/company/arbor-realty-trust
- Twitter/X: https://twitter.com/arbor1
- YouTube: https://www.youtube.com/channel/UCng1j68a3On34nKA8vZmi3w
- Instagram: https://www.instagram.com/arborrealtytrust/
- Facebook: https://www.facebook.com/ArborRealtyTrust/

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Profile page: https://yespress.io/arbor-realty-trust
Published by YesPress — https://yespress.io
Last updated: 2026-08-13