Applications / Mortgage Analytics / Lenders / New York / Arbor Realty Trust
Uniondale, NY · Non-bank or government lender · CFPB · 423 loans in 2025
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423
loans originated, 2025
551
applications, 2025
40
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Arbor Realty Trust is not a home lender in the usual sense: its typical loan in 2025 was $6.3 million, against $365,000 at similar lenders.
The lender made 423 loans in 2025, mostly refinances (75.2%), and nearly all conventional. Loans of that size, with no borrower income recorded, suggest it finances large residential buildings rather than family homes. Comparisons with similar lenders (non-bank or government lenders making between half and twice as many loans) should be read with that in mind.
Its large loans put it 17th of 802 lenders by dollars in New York-Newark-Jersey City and 32nd of 937 in Miami-Fort Lauderdale-West Palm Beach. It lends in 40 states in all. In Gadsden, Alabama, which it entered in 2025, it ranked 3 of 190.
Of its loans, 51.2% were on properties in low- and moderate-income neighborhoods, against 20.5% at peers, the highest share among them. Majority-minority neighborhoods took 53.3%, against 32.5%. Its typical rate, 5.57%, was lower than at more than nine in ten peers.
It made 928 loans in 2018, its second year of reporting, and 925 in 2020. The count fell to 412 in 2024 before rising 3% in 2025, while similar lenders grew 13%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Arbor Realty Trust took 551 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 75.2% · Purchase 24.8%
Conventional 99.1% · FHA 0.9% · of 423 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 51 | 12.1% |
| Texas | 49 | 11.6% |
| Florida | 40 | 9.5% |
| New Jersey | 31 | 7.3% |
| North Carolina | 26 | 6.1% |
| Pennsylvania | 21 | 5.0% |
| South Carolina | 19 | 4.5% |
| Georgia | 17 | 4.0% |
| Connecticut | 16 | 3.8% |
| Ohio | 16 | 3.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 55 |
| Dallas-Plano-Irving | 16 |
| Philadelphia | 16 |
| Atlanta-Sandy Springs-Roswell | 10 |
| Chicago-Naperville-Schaumburg | 9 |
| Houston-Pasadena-The Woodlands | 9 |
| Newark | 9 |
| Greenville-Anderson-Greer | 8 |
| St. Louis | 8 |
| Cincinnati | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ASFUWYQO0RW077 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3696383 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7812566626 |
Established 24 June 2003. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Arbor Realty Trust's data.
Arbor Realty Trust's data
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Arbor Realty Trust and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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