Agency lenders
Arbor Realty Trust
Arbor Realty Trust is a publicly traded mortgage REIT headquartered in Uniondale, New York, and one of the largest Fannie Mae small-balance multifamily lenders. It finances manufactured housing communities through Fannie Mae and Freddie Mac programs and its own bridge lending.
The product range runs from agency permanent debt through bridge, mezzanine and preferred equity, private construction lending, and single-family rental and build-to-rent financing. Borrowers apply and track loan milestones through Arbor Loan Express, the firm's own portal, and both fixed and floating rate structures are available across the product suite.
Arbor has been a Fannie Mae Top 10 DUS lender every year since 2007 and a repeat Top 5 Freddie Mac Small Balance Loan lender. It services the majority of the loans it originates in-house, so borrowers keep direct access to the origination team after closing. Beyond the Uniondale headquarters it keeps nine origination and servicing offices across the country and has funded loans in all 50 states.
Loan minimums are not published on the manufactured housing page. Confirm sizing, rate structure, and recourse terms directly with an originator.
Best for
Multifamily and manufactured housing operators who want agency execution from a lender that also services the loan, and who may need bridge or preferred equity alongside the permanent debt.
What they do
- Fannie Mae DUS agency loans
- Freddie Mac Small Balance Loans
- Bridge financing
- Mezzanine and preferred equity
- Single-family rental and build-to-rent financing
- Workforce housing financing
- Private construction lending
- In-house loan servicing
Details
| Attribute | Value |
|---|---|
| Ownership | Public |
| Other offices | New York, NY, Tonawanda, NY, Atlanta, GA, Boston, MA, Dallas, TX, Miami, FL, Newport Beach, CA, Englewood Cliffs, NJ, Independence, OH |
| Lender type | Agency, Bridge |
| Recourse | Non-recourse |
What stands out
- A Fannie Mae Top 10 DUS lender every year since 2007, and a repeat Top 5 Freddie Mac Small Balance Loan lender.
- Services the majority of the loans it originates in-house, so the borrower keeps access to the origination team after closing.
- Nine loan origination and servicing offices outside the Uniondale headquarters, and lending experience in all 50 states.
- Borrowers track applications and servicing through Arbor Loan Express (ALEX), the firm's own portal.
Common questions
- Does Arbor service the loans it originates?
- Arbor services the majority of the loans it originates through an in-house servicing platform, which includes payment processing, escrow management, and ongoing borrower support for the life of the loan. Borrowers keep direct access to their loan origination team.
- Does Arbor offer fixed or floating rates?
- Both. Arbor offers fixed and floating rate options across its product suite, and many products let the borrower choose the rate structure that fits the investment strategy.
- Can I monitor a loan application online?
- Yes. Arbor Loan Express (ALEX) is the firm's borrower portal, giving real-time updates on application progress and loan milestones. For loans in servicing it also provides 24/7 access to account information, payment history, and loan documents.
- Does Arbor finance single-family rental and build-to-rent?
- Yes. Arbor finances single-family rental (SFR) and build-to-rent (BTR) property through several product lines, including agency programs structured for those asset types plus bridge and permanent financing.