HUD lender profile
Arbor Agency Lending, LLC: HUD multifamily lending record
HUD insured 43 multifamily loans with Arbor Agency Lending as lender in FY2022-FY2026, for $938 million and 6,416 units. That is 1.5% of all HUD multifamily dollars in those years and #18 among lenders.
- HUD files it as ARBOR AGENCY LENDING, LLC
- MAP On HUD's MAP lender list as of September 16, 2026
- Endorsement data run October 8, 2026
What the numbers say
In FY2026 it closed 10 HUD loans for $245 million, up 81% from FY2025 and ranking #19 among HUD multifamily lenders that year.
223(f) was its largest program at 84% of five-year dollars, followed by NC/SR at 14%.
It lent in 15 states; Texas was the largest at 25% of dollars.
Its median loan was $17.8 million, above the $14.3 million median for all HUD multifamily endorsements in the same years.
On 223(f) loans, the median time from firm commitment to initial endorsement was 98 days (39 loans), against 87 days for all lenders, 11 days slower.
1 of its 43 loans (2%) carried low-income housing tax credits, against 32% across all HUD multifamily endorsements.
HUD volume by fiscal year
- 223(f)
- New construction / sub rehab
- Other programs
| FY | Loans | Dollars | 223(f) | NC/SR | Rank | |
|---|---|---|---|---|---|---|
| FY2026 | 10 | $245M | 8 | 2 | #19 | |
| FY2025 | 3 | $135M | 3 | 0 | #22 | |
| FY2024 | 3 | $54.0M | 3 | 0 | #33 | |
| FY2023 | 8 | $234M | 7 | 1 | #11 | |
| FY2022 | 19 | $270M | 18 | 0 | #21 | |
| FY2021 | 26 | $372M | 17 | 0 | #21 | |
| FY2020 | 15 | $237M | 11 | 3 | #18 | |
| FY2019 | 3 | $48.8M | 3 | 0 | #39 | |
| FY2018 | 9 | $128M | 7 | 2 | #27 | |
| FY2017 | 6 | $100M | 6 | 0 | #29 | |
| Since FY2017 | 102 | $1.82B | ||||
Program columns count loans. Rank is by dollars among all HUD multifamily lenders that fiscal year.
Program mix, FY2022-FY2026
| Program | Loans | Dollars | Median loan |
|---|---|---|---|
| 223(f) purchase or refinance | 39 | $785M | $17.5M |
| New construction or substantial rehab (221(d)(4), 220, 231, 213) | 3 | $134M | $52.7M |
| 223(a)(7) streamlined refinance | 1 | $18.8M | $18.8M |
Where it lends
| State | Loans | Dollars |
|---|---|---|
| Texas | 10 | $231M |
| Michigan | 10 | $200M |
| South Carolina | 5 | $115M |
| Florida | 3 | $152M |
| California | 3 | $56.5M |
| Pennsylvania | 2 | $7.2M |
| New York | 2 | $44.2M |
| Arkansas | 1 | $52.7M |
| Idaho | 1 | $8.1M |
| Ohio | 1 | $17.5M |
| North Dakota | 1 | $14.3M |
| Connecticut | 1 | $13.8M |
Firm commitment to closing
Days from the firm commitment date HUD records to initial endorsement, for this lender's FY2022-FY2026 loans. This is the last stretch of a HUD deal, after underwriting is done; it is not the whole timeline from application.
- All its loans with both dates (43)
- 99 days median
- Middle half of its loans
- 75-140 days
- 223(f) (39 loans)
- 98 days
- All lenders, FHA programs, FY2022-FY2026
- 91 days
Most recent HUD endorsements
| Endorsed | Property | Program | Loan |
|---|---|---|---|
| 2026-09-24 | The Woodlands Apartments · TX | 223(f) | $29.1M |
| 2026-09-17 | Serenity at 10th · SC | NC/SR | $17.0M |
| 2026-08-12 | Centerton Apartments · AR | NC/SR | $52.7M |
| 2026-07-30 | Northchase Village Apartments · TX | 223(f) | $30.6M |
| 2026-06-29 | Shamrock Apartments · ID | 223(f) | $8.1M |
| 2026-03-27 | Avaya Steeplechase · TX | 223(f) | $27.5M |
| 2026-03-24 | Neurock of Meadow Green · TX | 223(f) | $18.0M |
| 2025-12-11 | Heritage at Temple Terrace · FL | 223(f) | $22.4M |
| 2025-10-07 | Alston Arms · SC | 223(f) | $22.2M |
| 2025-10-07 | Third + Dayton · OH | 223(f) | $17.5M |
| 2025-03-26 | Venue Towers Apartments · MI | 223(f) | $16.0M |
| 2024-12-23 | Goldelm at Bennett Park · FL | 223(f) | $64.7M |
Largest loans, FY2022-FY2026
| Property | Program | Loan |
|---|---|---|
| The Enclave at Deer Moss Creek · FL | NC/SR | $64.7M |
| Goldelm at Bennett Park · FL | 223(f) | $64.7M |
| The Emerson Apartment Homes · MI | 223(f) | $54.4M |
| Centerton Apartments · AR | NC/SR | $52.7M |
| The Quarry Apartments · MI | 223(f) | $50.0M |
| Tower 280 · NY | 223(f) | $38.3M |
| Smart Living on Cullen · TX | 223(f) | $34.1M |
| The Monroe · TX | 223(f) | $33.7M |
Its HUD servicing book today
HUD's active insured mortgage file (as of September 30, 2026) lists Arbor Agency Lending, LLC as servicer on 105 apartment loans with $1.63 billion of balance and 15,773 units. The median note rate on that book is 3.42%. 66 of the loans carry a rate under 4%. 1 mature within five years. HUD lists the same name as holder of 105 loans.
- 223(f)
- 81 loans
- 223(a)(7)
- 15 loans
- 221(d)(4)
- 9 loans
Largest servicing states: Michigan (25), Texas (13), Puerto Rico (10), California (6), South Carolina (6), Iowa (5).
Other names in HUD's endorsement data that begin the same way (HUD files them separately, and we do not combine them): Arbor Commercial Mortgage.
Compare it with the rest of the market in the HUD lender league table, see what recent loans closed at on HUD rates, or read how the 223(f) and 221(d)(4) programs work.
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