Articles

Dr. Sam Chandan’s State of Rental Housing Spring 2026

In a new video, Dr. Sam Chandan, a leading commercial real estate scholar, expands on the findings of Arbor Realty Trust’s latest Special Report, developed in partnership with Chandan Economics. He shares his expert insight into the state of rental housing in spring 2026. Chandan notes that multifamily is moving toward a state of balance as supply pressures ease and growth trends turn positive. The result, he said, is that selective opportunities are emerging for well-positioned investors in a climate “defined less by dislocation” and “more by normalization.”

Articles

Renters Reassess Homeownership as Affordability Challenges Persist

Homeownership has been an aspiration of generations of Americans, but elevated prices, mortgage rates, and financing hurdles are complicating the typical path to owning a home. According to the Federal Reserve Bank of New York’s 2026 Survey of Consumer Expectations Housing Survey, renters are continuing to experience difficulty with mortgage financing and have more measured views about homeownership’s current investment potential. As households reassess the housing market, rental housing demand is the beneficiary.

Current Reports

Small Multifamily Investment Trends Report Q2 2026

Arbor Realty Trust’s latest Small Multifamily Investment Trends Report, developed in partnership with Chandan Economics, evaluates what’s driving this sector’s ongoing stability as macroeconomic conditions remain mixed. Loan originations rose last quarter, and valuations are rebounding, signaling that normalization is taking hold.

Articles

Where Labor Market Momentum Outpaces the National Average

Labor market conditions are a foundational driver of rental housing demand, influencing tenant stability and household growth. While the national pace of hiring has moderated, the economies of many metropolitan areas continue to outperform. Expanding on Arbor’s latest Top Markets for Multifamily Investment Report, our research teams highlight the local dynamics supporting growth in several of the country’s strongest-performing multifamily markets.

Analysis

U.S. Multifamily Market Snapshot — May 2026

The U.S. multifamily sector continued to build momentum at the start of 2026. Rent growth moved into positive territory, and a moderating construction pipeline showed that vacancy may have reached its cycle peak.

Articles

Fannie Mae, Freddie Mac Rank Arbor Among Top Multifamily Lenders for 2025

Arbor’s track record of top finishes across multifamily agency rankings reflects the depth of our financing capabilities, the strength of our industry partnerships, and our disciplined, detail-driven approach to execution. Longstanding relationships with Fannie Mae, Freddie Mac, and the Federal Housing Administration (FHA) — built over many years of close collaboration — enable our team to deliver strong borrower outcomes across market cycles, reinforcing Arbor’s position as one of the top multifamily lenders in 2025.

Articles

Senior Renters Prefer Multifamily Housing and City Living

Senior renters are increasingly choosing multifamily housing, with more than half now living in these rental properties, according to new data from the U.S. Census Bureau’s American Community Survey. Where they live — both by property type and by metropolitan area — provides insight into how housing preferences, local market conditions, and migration patterns shape rental housing demand.

General: 800.ARBOR.10

Home | Our Responsibility | Responsible Governance

Responsible Governance


At Arbor, we are committed to responsible and ethical business practices. That is why we follow the ISS (Investor Stewardship Services) Environmental, Social, and Governance (ESG) standards. ISS is a leading provider of corporate governance and sustainability solutions. Their ESG standards are used by investors to assess and manage their ESG risks and opportunities.

By following the standards, we are demonstrating our commitment to:

  • Environmental stewardship: We are working to reduce our environmental impact and support sustainable practices.
  • Social responsibility: We are committed to creating a positive social impact, including through our employee relations, diversity and inclusion initiatives, and community support.
  • Good governance: We are committed to sound corporate governance practices, including transparency, accountability, and ethical behavior.

We believe that following the ISS ESG standards is good for our business, our customers, and our community. It allows us to attract and retain top talent, build strong relationships with our customers, and operate in a sustainable and responsible manner.

We encourage our customers to learn more about the ISS ESG standards and how they are impacting the financial industry. You can find more information on the ISS website: https://www.issgovernance.com/esg/

Responsible Parties

Arbor’s executive management team is responsible for promoting our Corporate Responsibility Principles and for ensuring corporate strategies are developed and implemented in a manner consistent with corporate responsibility and climate goals, objectives, and initiatives.

  • Our lending function and the management responsible for those functions will oversee the integration of Corporate Responsibility Principles into the loan origination processes and will be responsible for ensuring responsible investment practices across all lending platforms and product offerings.
  • Our dedicated Corporate Responsibility Taskforce will work cross-functionally with relevant internal and external stakeholders to ensure alignment with the Corporate Responsibility Policy.
  • The Corporate Governance Committee of the Board of Directors, the General Counsel, and the Office of the Corporate Secretary provide oversight over corporate responsibility- and climate-related policy creation and relevant disclosures.
  • Arbor’s Board of Directors will from time to time consider corporate responsibility and climate-related topics for discussion and appropriate prioritization.
  • The Finance and Legal teams will engage from time to time with outside legal and other advisors to remain current of all corporate responsibility applicable rules, regulations and reporting obligations.

Reporting

Arbor is committed to transparency and accountability in our corporate responsibility program and as such, publishes an annual Corporate Responsibility and Impact Report. In addition, we have a number of responsible governance policies in place including:

Corporate Governance
Vendor Code of Conduct
Human Rights Policy

Risk Mitigation

Arbor is committed to continuous improvement of our risk management framework. We regularly review and update our framework to ensure that it reflects the latest best practices and that it is tailored to our specific risks. Our framework includes:

  • A clear and well-defined risk management policy that sets our approach to identifying, assessing, managing, and monitoring risks.
  • A strong risk management culture focused on risk awareness and accountability throughout our organization.
  • A robust risk management process that includes regular risk assessments, the development of mitigation strategies, and ongoing monitoring of risks.

We believe that our strong commitment to risk mitigation is a key differentiator for our company. It allows us to provide our customers with confidence that their mortgages are safe and secure.

Climate Risk

Arbor continues to assess our current processes for measuring, disclosing, and reporting sustainability and climate metrics. In preparation for compliance with state GHG emissions reporting regulations such as legislation in California, Illinois, New York, Minnesota, and Washington, Arbor conducted a Scope 1 and 2 GHG Inventory in 2024 and expanded to Scope 3 in 2025. Furthermore, we continue to evaluate potential climate-related risks and opportunities and maintain the firm’s ability to stay resilient and profitable in the future.

As climate risks are increasingly being viewed through a financial lens, Arbor’s risk management team is actively exploring how physical climate events could impact loan servicing, repayment risk, and collateral valuation. These assessments help Arbor understand where climate considerations should be embedded in underwriting criteria, property-level due diligence, and post-loan monitoring processes. The company has retained a sustainability consulting partner to help Arbor start evaluating our exposure to these risks and model future climate-related scenarios aligned with global warming pathways. This includes developing a more granular understanding of long-term physical and transitional risk exposure.

Full information can be found in our TCFD Report