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  <xsd:import namespace="http://fasb.org/us-gaap/2022" schemaLocation="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/stpr/2022" schemaLocation="https://xbrl.sec.gov/stpr/2022/stpr-2022.xsd" />
  <xsd:import namespace="http://fasb.org/srt/2022" schemaLocation="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd" />
  <xsd:element id="abr_AffiliatesDebtInstrumentPrincipalOutstanding" name="AffiliatesDebtInstrumentPrincipalOutstanding" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_ArborCommercialMortgageLLCMember" name="ArborCommercialMortgageLLCMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="ArborESHIILLCMember" id="abr_ArborESHIILLCMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="abr_CollateralCarryingValue" name="CollateralCarryingValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_CollateralizedLoanObligationCollateralAtRisk" name="CollateralizedLoanObligationCollateralAtRisk" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element name="ContractualCommitmentsTable" id="abr_ContractualCommitmentsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CurrentInterestCoverageRatioCovenantCompliance" id="abr_CurrentInterestCoverageRatioCovenantCompliance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CurrentOvercollateralizationRatioCovenantCompliance" id="abr_CurrentOvercollateralizationRatioCovenantCompliance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="abr_DebtInstrumentAdvanceRate" name="DebtInstrumentAdvanceRate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_DebtInstrumentAmountDueAtMaturity" name="DebtInstrumentAmountDueAtMaturity" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_DebtInstrumentFinancingReplacementPeriod" name="DebtInstrumentFinancingReplacementPeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_DebtInstrumentMaturityDateLengthOfExtensionPeriod" name="DebtInstrumentMaturityDateLengthOfExtensionPeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element name="LossContingencyNumberOfLawsuitConsolidated" id="abr_LossContingencyNumberOfLawsuitConsolidated" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LossContingencyNumberOfDefendantsRemovedDueToConsolidationOfLawsuits" id="abr_LossContingencyNumberOfDefendantsRemovedDueToConsolidationOfLawsuits" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LossContingencyNumberOfRemainingDefendantsDueToConsolidationOfLawsuits" id="abr_LossContingencyNumberOfRemainingDefendantsDueToConsolidationOfLawsuits" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="abr_DebtWeightedAverageInterestRateIncludingFeesAndCosts" name="DebtWeightedAverageInterestRateIncludingFeesAndCosts" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element name="DeferredTaxAssetsNonDeductibleExpenses" id="abr_DeferredTaxAssetsNonDeductibleExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DeferredTaxAssetsOperatingAndCapitalLossCarryforwards" id="abr_DeferredTaxAssetsOperatingAndCapitalLossCarryforwards" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="abr_DueToBorrowers" name="DueToBorrowers" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element name="DueToDueFromBorrowersAndReserves" id="abr_DueToDueFromBorrowersAndReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="abr_EquityMethodInvestmentNoncontrollingInterest" name="EquityMethodInvestmentNoncontrollingInterest" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_EquityMethodInvestmentNoncontrollingInterestAcquired" name="EquityMethodInvestmentNoncontrollingInterestAcquired" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element name="FiduciaryDutyClaimsMember" id="abr_FiduciaryDutyClaimsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MotionToAmendmentLawsuitsMember" id="abr_MotionToAmendmentLawsuitsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="abr_FirstDollarLTVRatio" name="FirstDollarLTVRatio" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_ImpairedFinancingReceivableWithRelatedAllowanceNumberOfLoans" name="ImpairedFinancingReceivableWithRelatedAllowanceNumberOfLoans" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_ImpairedFinancingReceivablesCarryingAmount" name="ImpairedFinancingReceivablesCarryingAmount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element id="abr_NumberOfLoanForWhichNoProvisionForLoanLossMade" name="NumberOfLoanForWhichNoProvisionForLoanLossMade" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element name="InterestCoverageRatioCovenantCompliance" id="abr_InterestCoverageRatioCovenantCompliance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InvestmentInEquityAffiliatesDisclosureAbstract" id="abr_InvestmentInEquityAffiliatesDisclosureAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InvestmentInHoldingCompanyOfDebtors" id="abr_InvestmentInHoldingCompanyOfDebtors" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="JTPrimeMember" id="abr_JTPrimeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="abr_LastDollarLTVRatio" name="LastDollarLTVRatio" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element name="LawsuitFiledByExtendedStayLitigationTrustMember" id="abr_LawsuitFiledByExtendedStayLitigationTrustMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LexfordPortfolioMember" id="abr_LexfordPortfolioMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansAndInvestmentsPortfolioMember" id="abr_LoansAndInvestmentsPortfolioMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="abr_LoansAndInvestmentsUnfundedCommitments" name="LoansAndInvestmentsUnfundedCommitments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element name="LossContingencyNumberOfDefendantsRelatedToCompany" id="abr_LossContingencyNumberOfDefendantsRelatedToCompany" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LossContingencySeekingOfAmountsFromAffiliatesOfEntity" id="abr_LossContingencySeekingOfAmountsFromAffiliatesOfEntity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="LoansLessThanThreePercentMember" id="abr_LoansLessThanThreePercentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansReceivableDomain" id="abr_LoansReceivableDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansReceivableFloorRate" id="abr_LoansReceivableFloorRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="LoansReceivableMaturityAxis" id="abr_LoansReceivableMaturityAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="abr_LossContingencyNumberOfDefendantsWhoAreCorporateAndPartnershipEntities" name="LossContingencyNumberOfDefendantsWhoAreCorporateAndPartnershipEntities" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element name="LossContingencyNumberOfDefendantsWhoAreIndividuals" id="abr_LossContingencyNumberOfDefendantsWhoAreIndividuals" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LossContingencyNumberOfLawsuitsBeforeConsolidationOfLawsuit" id="abr_LossContingencyNumberOfLawsuitsBeforeConsolidationOfLawsuit" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LossContingencyNumberOfLawsuitsAfterConsolidationOfLawsuit" id="abr_LossContingencyNumberOfLawsuitsAfterConsolidationOfLawsuit" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LossContingencyNumberOfNewClaimsFiledInUnitedStatesBankruptcyCourt" id="abr_LossContingencyNumberOfNewClaimsFiledInUnitedStatesBankruptcyCourt" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MezzanineLoanMember" id="abr_MezzanineLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MortgageLoansOnRealEstateAccretionOfUnearnedRevenue" id="abr_MortgageLoansOnRealEstateAccretionOfUnearnedRevenue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="abr_MortgageLoansOnRealEstateCarryingValue" name="MortgageLoansOnRealEstateCarryingValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_MortgageLoansOnRealEstateFixedInterestRate" name="MortgageLoansOnRealEstateFixedInterestRate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element name="MortgageLoansOnRealEstateFundingOfUnfundedLoanCommitments" id="abr_MortgageLoansOnRealEstateFundingOfUnfundedLoanCommitments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="abr_MortgageLoansOnRealEstatePercentage" name="MortgageLoansOnRealEstatePercentage" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_MortgageLoansOnRealEstatePrincipalAmountOfMortgages" name="MortgageLoansOnRealEstatePrincipalAmountOfMortgages" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element name="MortgageLoansOnRealEstatePropertyLocationDomain" id="abr_MortgageLoansOnRealEstatePropertyLocationDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MortgageLoansOnRealEstateRemainingMaturityPeriod" id="abr_MortgageLoansOnRealEstateRemainingMaturityPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MortgageLoansOnRealEstateUnearnedRevenueAndCosts" id="abr_MortgageLoansOnRealEstateUnearnedRevenueAndCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="MortgageLoansOnRealEstateUseOfLoanChargeOffs" id="abr_MortgageLoansOnRealEstateUseOfLoanChargeOffs" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="MovementInMortgageLoansOnRealEstateAdditionsAbstract" id="abr_MovementInMortgageLoansOnRealEstateAdditionsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MovementInMortgageLoansOnRealEstateDeductionsAbstract" id="abr_MovementInMortgageLoansOnRealEstateDeductionsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="abr_NumberOfSharesAuthorizedToBeIssuedUnderAgreement" name="NumberOfSharesAuthorizedToBeIssuedUnderAgreement" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element name="NumberOfUnrelatedBorrowers" id="abr_NumberOfUnrelatedBorrowers" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OvercollateralizationRatioCovenantCompliance" id="abr_OvercollateralizationRatioCovenantCompliance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="abr_OwnershipPercentageLimit" name="OwnershipPercentageLimit" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_PaymentForLoansAndInvestmentsFundedOriginatedAndPurchasedNet" name="PaymentForLoansAndInvestmentsFundedOriginatedAndPurchasedNet" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_PaymentsToAcquireEquityMethodInvestmentsByEntityAndIndependentOutsideInvestors" name="PaymentsToAcquireEquityMethodInvestmentsByEntityAndIndependentOutsideInvestors" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_PercentageOfOwnershipOfRelatedPartyInOtherRelatedParty" name="PercentageOfOwnershipOfRelatedPartyInOtherRelatedParty" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_PreferredEquityInvestmentsInMortgageLoansMember" name="PreferredEquityInvestmentsInMortgageLoansMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ProceedsFromPayoffsAndPaydownsOfLoansAndInvestments" name="ProceedsFromPayoffsAndPaydownsOfLoansAndInvestments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element name="RelatedPartyTransactionNumberOfMortgageLoansSecuredByPropertyPurchasedFromRelatedParty" id="abr_RelatedPartyTransactionNumberOfMortgageLoansSecuredByPropertyPurchasedFromRelatedParty" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="abr_RelatedPartyOwnershipPercentage" name="RelatedPartyOwnershipPercentage" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element name="RelatedPartyTransactionPercentageOfOwnership" id="abr_RelatedPartyTransactionPercentageOfOwnership" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="RelatedPartyTransactionSharesHeldByRelatedParty" id="abr_RelatedPartyTransactionSharesHeldByRelatedParty" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element id="abr_ScheduleOfDebtInstrumentCovenantComplianceTableTextBlock" name="ScheduleOfDebtInstrumentCovenantComplianceTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_ScheduleOfOvercollateralizationRatioCovenantComplianceTableTextBlock" name="ScheduleOfOvercollateralizationRatioCovenantComplianceTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_SecuredDebtRepurchaseAgreementsAndWarehouseAgreementBorrowings" name="SecuredDebtRepurchaseAgreementsAndWarehouseAgreementBorrowings" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_SecuredDebtRepurchaseAgreementsAndWarehouseAgreementBorrowingsMember" name="SecuredDebtRepurchaseAgreementsAndWarehouseAgreementBorrowingsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_SecuredFloatingRateNotesNotionalAmount" name="SecuredFloatingRateNotesNotionalAmount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantDateFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantDateFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_SummaryOfSignificantAccountingPoliciesLineItems" name="SummaryOfSignificantAccountingPoliciesLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="SummaryOfSignificantAccountingPoliciesTable" id="abr_SummaryOfSignificantAccountingPoliciesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ThresholdPercentageForReportingLoans" id="abr_ThresholdPercentageForReportingLoans" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="VariableInterestEntitiesDisclosureAbstract" id="abr_VariableInterestEntitiesDisclosureAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="abr_VariableInterestEntityNotPrimaryBeneficiaryNumber" name="VariableInterestEntityNotPrimaryBeneficiaryNumber" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element name="WestShoreCafeMember" id="abr_WestShoreCafeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="abr_PreferredStockIssuedDuringPeriodSharesNewIssues" name="PreferredStockIssuedDuringPeriodSharesNewIssues" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element name="DebtInstrumentCovenantsAmountPayableOnDefaultOfSeniorDebt" id="abr_DebtInstrumentCovenantsAmountPayableOnDefaultOfSeniorDebt" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="abr_PreferredStockAmountOfAccruedDividend" name="PreferredStockAmountOfAccruedDividend" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element name="NumberOfLoansUnpaidPrincipalBalanceAxis" id="abr_NumberOfLoansUnpaidPrincipalBalanceAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfLoansUnpaidPrincipalBalanceDomain" id="abr_NumberOfLoansUnpaidPrincipalBalanceDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ImpairedFinancingReceivableWeightedAverageAccrualRateOfInterest" name="ImpairedFinancingReceivableWeightedAverageAccrualRateOfInterest" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_RelatedPartyTransactionNumberOfBridgeLoansOriginated" name="RelatedPartyTransactionNumberOfBridgeLoansOriginated" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element name="MortgageLoansOnRealEstateSubTypeOfPropertyAxis" id="abr_MortgageLoansOnRealEstateSubTypeOfPropertyAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MortgageLoansOnRealEstateSubTypeOfPropertyDomain" id="abr_MortgageLoansOnRealEstateSubTypeOfPropertyDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoanCarryingValue" id="abr_LoanCarryingValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="PurchasePriceAllocationValuationPeriodFollowingRealEstatePropertyAcquisition" id="abr_PurchasePriceAllocationValuationPeriodFollowingRealEstatePropertyAcquisition" type="xbrli:durationItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="abr_RealEstateOwnedAndHeldForSaleAbstract" name="RealEstateOwnedAndHeldForSaleAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfNewlyFormedWhollyOwnedSubsidiaries" id="abr_NumberOfNewlyFormedWhollyOwnedSubsidiaries" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element id="abr_EastRiverMember" name="EastRiverMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_DebtInstrumentRedemptionValue" name="DebtInstrumentRedemptionValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_ResidentialMortgageBankingCompanyAcquisitionsMember" name="ResidentialMortgageBankingCompanyAcquisitionsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ArborResidentialInvestorLLLCMember" name="ArborResidentialInvestorLLLCMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_EquityMethodIndirectOwnershipPercentage" name="EquityMethodIndirectOwnershipPercentage" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_RealEstateIndependentLivingFacilitiesMember" name="RealEstateIndependentLivingFacilitiesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_MaximumPeriodForAcquiringAdditionalLoanObligations" name="MaximumPeriodForAcquiringAdditionalLoanObligations" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_LoansReceivableFloorInterestRate" name="LoansReceivableFloorInterestRate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_SixLoansCollateralizedByLandDevelopmentProjectMember" name="SixLoansCollateralizedByLandDevelopmentProjectMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_LoansAndInvestmentsAbstract" name="LoansAndInvestmentsAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_CertainOfficersMember" name="CertainOfficersMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_SecuredDebtRepurchaseAgreementsAndWarehouseAgreementBorrowingsPrincipalAmount" name="SecuredDebtRepurchaseAgreementsAndWarehouseAgreementBorrowingsPrincipalAmount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_AgencyPlatformAcquisitionMember" name="AgencyPlatformAcquisitionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_BusinessCombinationConsiderationStockOperatingPartnerUnits" name="BusinessCombinationConsiderationStockOperatingPartnerUnits" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_ChairmanAndChiefExecutiveOfficerMember" name="ChairmanAndChiefExecutiveOfficerMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_AmortizationAndAccretionOfInterestFeesAndIntangibleAssets" name="AmortizationAndAccretionOfInterestFeesAndIntangibleAssets" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_ScheduleOfUnconsolidatedVariableInterestEntitiesTableTextBlock" name="ScheduleOfUnconsolidatedVariableInterestEntitiesTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_BrokerRelationshipsMember" name="BrokerRelationshipsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_BorrowerRelationshipsMember" name="BorrowerRelationshipsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_FannieMaeDusLicenseMember" name="FannieMaeDusLicenseMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_FreddieMacProgramPlusLicenseMember" name="FreddieMacProgramPlusLicenseMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_FhaLicenseMember" name="FhaLicenseMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ScheduleOfIntangibleAssetsExcludingGoodwillTableTextBlock" name="ScheduleOfIntangibleAssetsExcludingGoodwillTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_AllowanceForLossSharingObligations" name="AllowanceForLossSharingObligations" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_OriginatedMortgageServicingRightsRevenue" name="OriginatedMortgageServicingRightsRevenue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_LoansReceivableHeldForSaleDisclosureTextBlock" name="LoansReceivableHeldForSaleDisclosureTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_FederalNationalMortgageAssociationLoansMember" name="FederalNationalMortgageAssociationLoansMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_FederalHomeLoanMortgageCorporationLoansMember" name="FederalHomeLoanMortgageCorporationLoansMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_FederalHousingAdministrationLoansMember" name="FederalHousingAdministrationLoansMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_PercentageOfLossOnUnpaidPrincipleBalance" name="PercentageOfLossOnUnpaidPrincipleBalance" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_PercentageOfAdditionalLossOnUnpaidPrincipalBalance" name="PercentageOfAdditionalLossOnUnpaidPrincipalBalance" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_FundingPercentageOfMortgageDelinquencies" name="FundingPercentageOfMortgageDelinquencies" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_CapitalizedMortgageServicingRightsTextBlock" name="CapitalizedMortgageServicingRightsTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_StructuredTransactionBusinessSegmentMember" name="StructuredTransactionBusinessSegmentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_AgencyBusinessSegmentMember" name="AgencyBusinessSegmentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_PercentageOfUnpaidPrincipalBalance" name="PercentageOfUnpaidPrincipalBalance" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_LossContingencyAccrualChargeOffsNet" name="LossContingencyAccrualChargeOffsNet" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_AdvancesOnPrincipalAndInterestPayments" name="AdvancesOnPrincipalAndInterestPayments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_MortgageServicingRightsAbstract" name="MortgageServicingRightsAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_PrepaymentFeeIncomeGeneratedByServicingAssetsAmount" name="PrepaymentFeeIncomeGeneratedByServicingAssetsAmount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_RestrictedLiquidityArrangementMember" name="RestrictedLiquidityArrangementMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_MinimumCapitalArrangementMember" name="MinimumCapitalArrangementMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_CashCollateralArrangementMember" name="CashCollateralArrangementMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_AgencyBusinessCommitmentsLineItems" name="AgencyBusinessCommitmentsLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_OtherStatesMember" name="OtherStatesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_AdditionalRestrictedLiquidityReserve" name="AdditionalRestrictedLiquidityReserve" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_AdditionalRestrictedLiquidityReserveFundingPeriod" name="AdditionalRestrictedLiquidityReserveFundingPeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_CollateralCashRequiredPerSecuritization" name="CollateralCashRequiredPerSecuritization" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_LossSharingAgreementMember" name="LossSharingAgreementMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_UnfundedCloCommitmentsAbstract" name="UnfundedCloCommitmentsAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_CapitalizedMortgageServicingRightsNet" name="CapitalizedMortgageServicingRightsNet" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_LineOfCreditFacilityCommitmentAmount" name="LineOfCreditFacilityCommitmentAmount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_ServicingAssetAtAmortizedCostWriteDownsAndPayoffs" name="ServicingAssetAtAmortizedCostWriteDownsAndPayoffs" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_FiveLoansCollateralizedByLandDevelopmentProjectMember" name="FiveLoansCollateralizedByLandDevelopmentProjectMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_AcquisitionFinancingAgreementMember" name="AcquisitionFinancingAgreementMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_CapitalizedMortgageServicingRightsFairValue" name="CapitalizedMortgageServicingRightsFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" abstract="false" />
  <xsd:element id="abr_LossSharingFundingPercentageOfAdvancesUntilFinalSettlement" name="LossSharingFundingPercentageOfAdvancesUntilFinalSettlement" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" />
  <xsd:element id="abr_MinimumLiquidAssetsRequiredToMeetOperationalLiquidityRequirements" name="MinimumLiquidAssetsRequiredToMeetOperationalLiquidityRequirements" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_PeriodForFundingCollateralRequirement" name="PeriodForFundingCollateralRequirement" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_LoansReceivableHeldForSaleUnearnedDiscount" name="LoansReceivableHeldForSaleUnearnedDiscount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_PeriodOfDebtInstrumentPastDueBecomesDelinquent" name="PeriodOfDebtInstrumentPastDueBecomesDelinquent" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" />
  <xsd:element id="abr_KeyServicingMetricsTableTextBlock" name="KeyServicingMetricsTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_NewLoansOriginated" name="NewLoansOriginated" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_LoansPayoffsAndPaydowns" name="LoansPayoffsAndPaydowns" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_LoansOriginated" name="LoansOriginated" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_UnpaidPrincipalBalanceServicingPortfolio" name="UnpaidPrincipalBalanceServicingPortfolio" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_WeightedAverageServicingFeeRate" name="WeightedAverageServicingFeeRate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_OtherAssetsConsolidatingFinancialInformation" name="OtherAssetsConsolidatingFinancialInformation" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_DebtObligations" name="DebtObligations" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_OtherLiabilitiesConsolidatingFinancialInformation" name="OtherLiabilitiesConsolidatingFinancialInformation" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_SpecialVotingPreferredStockMember" name="SpecialVotingPreferredStockMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ServicingContractsAcquiredMember" name="ServicingContractsAcquiredMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ServicingContractsOriginatedMember" name="ServicingContractsOriginatedMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_IncrementalCommonSharesAttributableToDilutiveEffectOfOperatingPartnershipUnits" name="IncrementalCommonSharesAttributableToDilutiveEffectOfOperatingPartnershipUnits" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_LeverageCapitalToLoanAndInvestmentPortfolio" name="LeverageCapitalToLoanAndInvestmentPortfolio" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_DebtInstrumentConvertibleRepurchasePercentage" name="DebtInstrumentConvertibleRepurchasePercentage" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_PercentageOfVotingPower" name="PercentageOfVotingPower" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_OperatingPartnershipUnitsConversionRatio" name="OperatingPartnershipUnitsConversionRatio" nillable="true" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_MortgageServicingAbstract" name="MortgageServicingAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ContractuallySpecifiedServicingFeesPercentage" name="ContractuallySpecifiedServicingFeesPercentage" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_WriteOffOfCapitalizedMortgageServicingRightsFromPayoffs" name="WriteOffOfCapitalizedMortgageServicingRightsFromPayoffs" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_LoanSalesDataAbstract" name="LoanSalesDataAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_SaleMarginOfMortgageLoanSold" name="SaleMarginOfMortgageLoanSold" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_OriginatedMortgageServicingRightsRate" name="OriginatedMortgageServicingRightsRate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_FairValueOfFutureMortgageServicingRights" name="FairValueOfFutureMortgageServicingRights" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_DerivativeFairValueAdjustment" name="DerivativeFairValueAdjustment" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_ProceedsFromSaleOfLoansHeldForSaleExcludingAcquisition" name="ProceedsFromSaleOfLoansHeldForSaleExcludingAcquisition" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_ServicingContractsHeldForSaleMember" name="ServicingContractsHeldForSaleMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_EffectOfInterestRateMovement" name="EffectOfInterestRateMovement" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_ScheduleOfComponentsOfFairAndOtherRelevantInformationTableTextBlock" name="ScheduleOfComponentsOfFairAndOtherRelevantInformationTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_ScheduleOfOriginationDataAndLoansSalesDataBySegmentTableTextBlock" name="ScheduleOfOriginationDataAndLoansSalesDataBySegmentTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_DescriptionOfBusinessAbstract" name="DescriptionOfBusinessAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_PercentageOfDividendPaid" name="PercentageOfDividendPaid" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_AllowanceForLoanLossTotalChargeOffs" name="AllowanceForLoanLossTotalChargeOffs" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_ForwardSaleCommitmentsMember" name="ForwardSaleCommitmentsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ScheduleOfOperatingIncomeLossTableTextBlock" name="ScheduleOfOperatingIncomeLossTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_TrsConsolidatedGroupMember" name="TrsConsolidatedGroupMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_RealEstateInvestmentTrustMember" name="RealEstateInvestmentTrustMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ValuationAllowanceOnDeferredTaxExpenseBenefit" name="ValuationAllowanceOnDeferredTaxExpenseBenefit" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_MortgageLoansOnRealEstateUnfundedLoanCommitments" name="MortgageLoansOnRealEstateUnfundedLoanCommitments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_LoansHeldForSaleReceivableGrossCommercialRealEstate" name="LoansHeldForSaleReceivableGrossCommercialRealEstate" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_EmployeeCompensationAndBenefitsMember" name="EmployeeCompensationAndBenefitsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_BPieceBondsMember" name="BPieceBondsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_HeldToMaturitySecuritiesSoldPercentage" name="HeldToMaturitySecuritiesSoldPercentage" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_HeldToMaturitySecuritiesFaceValue" name="HeldToMaturitySecuritiesFaceValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_CollateralizedLoanObligationsSevenMember" name="CollateralizedLoanObligationsSevenMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_RelatedPartyPercentageInManagement" name="RelatedPartyPercentageInManagement" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_PercentageOfMaximumLossSharingObligationOfUnpaidPrincipalBalance" name="PercentageOfMaximumLossSharingObligationOfUnpaidPrincipalBalance" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_PercentageOfLoanAssumptionFee" name="PercentageOfLoanAssumptionFee" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_HeldToMaturitySecuritiesNotionalAmount" name="HeldToMaturitySecuritiesNotionalAmount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_HeldToMaturitySecuritiesRetainedPercentage" name="HeldToMaturitySecuritiesRetainedPercentage" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_PassWatchMember" name="PassWatchMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ProceedsFromPayoffsAndPaydownsOfSecuritiesHeldToMaturity" name="ProceedsFromPayoffsAndPaydownsOfSecuritiesHeldToMaturity" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_InvestmentWeightedAverageInterestRate" name="InvestmentWeightedAverageInterestRate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_CommercialMortgageBackedSecurityMember" name="CommercialMortgageBackedSecurityMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_SupportServicesMember" name="SupportServicesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_NumberOfMortgageLoansOnRealEstateDelinquentPrincipal" name="NumberOfMortgageLoansOnRealEstateDelinquentPrincipal" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_OneMonthLiborMember" name="OneMonthLiborMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_InvestmentWeightedAverageEffectiveInterestRate" name="InvestmentWeightedAverageEffectiveInterestRate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_LineOfCreditFacilityAdditionalBorrowingCapacity" name="LineOfCreditFacilityAdditionalBorrowingCapacity" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_WarehouseRepurchaseFacilityMember" name="WarehouseRepurchaseFacilityMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ConcentrationRiskNumberOfStatesOver4PercentRevenues" name="ConcentrationRiskNumberOfStatesOver4PercentRevenues" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_LossContingencyAccrualProvisionReversalForLoanRepayments" name="LossContingencyAccrualProvisionReversalForLoanRepayments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_LuxembourgDebtFundMember" name="LuxembourgDebtFundMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ProceedsFromIssuanceOfCollateralizedLoanObligations" name="ProceedsFromIssuanceOfCollateralizedLoanObligations" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_ConsortiumOfInvestorsIncludingImmediateFamilyMemberOfOurOfficersMember" name="ConsortiumOfInvestorsIncludingImmediateFamilyMemberOfOurOfficersMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_NumberOfVotesPerShare" name="NumberOfVotesPerShare" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_IncreaseDecreaseInCustomerLiabilityDeferredRevenue" name="IncreaseDecreaseInCustomerLiabilityDeferredRevenue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_ContractuallySpecifiedServicingFeesAmountNet" name="ContractuallySpecifiedServicingFeesAmountNet" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_SeniorUnsecuredNotesDueIn2021Member" name="SeniorUnsecuredNotesDueIn2021Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_SeniorUnsecuredNotesDueInMay2023Member" name="SeniorUnsecuredNotesDueInMay2023Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_HeldToMaturitySecuritiesFaceValueOfSecuritiesPurchased" name="HeldToMaturitySecuritiesFaceValueOfSecuritiesPurchased" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_HeldToMaturitySecuritiesDiscountedValueOfSecuritiesPurchased" name="HeldToMaturitySecuritiesDiscountedValueOfSecuritiesPurchased" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_InterestIncomeNet" name="InterestIncomeNet" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_InterestReserve" name="InterestReserve" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_InterestReserveNumberOfLoans" name="InterestReserveNumberOfLoans" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_InterestReserveUnpaidPrincipalBalance" name="InterestReserveUnpaidPrincipalBalance" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_LoansHeldToMaturityFairValueDisclosure" name="LoansHeldToMaturityFairValueDisclosure" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_LoansHeldToMaturityMeasurementInput" name="LoansHeldToMaturityMeasurementInput" nillable="true" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_CollateralizedLoanObligationsTenMember" name="CollateralizedLoanObligationsTenMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ConvertibleSeniorUnsecuredNotes5.25Member" name="ConvertibleSeniorUnsecuredNotes5.25Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ResidualInterestOfCollateralizedSecuritizationVehicleNotionalAmount" name="ResidualInterestOfCollateralizedSecuritizationVehicleNotionalAmount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_AtMarketMember" name="AtMarketMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_PublicOfferMember" name="PublicOfferMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_CollateralizedSecuritizationVehicleTranchesFaceAmount" name="CollateralizedSecuritizationVehicleTranchesFaceAmount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_NumberOfMultifamilyPropertiesRenovated" name="NumberOfMultifamilyPropertiesRenovated" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_OperatingPartnershipUnitsUnitsOutstanding" name="OperatingPartnershipUnitsUnitsOutstanding" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_RepurchaseFacility200MillionMember" name="RepurchaseFacility200MillionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_FirstOfferingMember" name="FirstOfferingMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_DebtOfferingAxis" name="DebtOfferingAxis" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_DebtOfferingNameDomain" name="DebtOfferingNameDomain" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_LetterOfCreditAssignedAmount" name="LetterOfCreditAssignedAmount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_PaymentsOfRedemptionOfOperatingPartnershipUnits" name="PaymentsOfRedemptionOfOperatingPartnershipUnits" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_LossContingencyAccrualRecoveriesChargeOffsNet" name="LossContingencyAccrualRecoveriesChargeOffsNet" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_DebtInstrumentConvertibleExtinguished" name="DebtInstrumentConvertibleExtinguished" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_RepaymentOfSecuredLoanObligations" name="RepaymentOfSecuredLoanObligations" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_SevenBPieceBondsMember" name="SevenBPieceBondsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_AsapAgreement750MillionMember" name="AsapAgreement750MillionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ShareBasedCompensationArrangementByShareBasedPaymentAwardWeightedAverageRemainingAwardVestingPeriod" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardWeightedAverageRemainingAwardVestingPeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_NumberOfTranchesIssued" name="NumberOfTranchesIssued" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_ProceedsFromIssuanceOfCollateralizedLoanObligationsForAcquiringAdditionalLoan" name="ProceedsFromIssuanceOfCollateralizedLoanObligationsForAcquiringAdditionalLoan" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_LossSharingObligationsPercent" name="LossSharingObligationsPercent" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_MinorityInterestDecreaseFromRedemptionsInShares" name="MinorityInterestDecreaseFromRedemptionsInShares" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_ConsortiumOfInvestorsIncludingUnaffiliatedInvestorsCertainOfficersAndChiefExecutiveOfficerMember" name="ConsortiumOfInvestorsIncludingUnaffiliatedInvestorsCertainOfficersAndChiefExecutiveOfficerMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantDateFairValueUnrecognizedCompensationCostRelatedToUnvestedRestrictedCommonStock" name="ShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantDateFairValueUnrecognizedCompensationCostRelatedToUnvestedRestrictedCommonStock" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedGrantDateFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedGrantDateFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_StockIssuedDuringPeriodStockOrUnitOtherThanOptionsVested" name="StockIssuedDuringPeriodStockOrUnitOtherThanOptionsVested" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_SingleFamilyRentalBondsMember" name="SingleFamilyRentalBondsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_HeldToMaturitySecuritiesMaturity" name="HeldToMaturitySecuritiesMaturity" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_AmacHoldingsIiiLlcMember" name="AmacHoldingsIiiLlcMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_PercentageOfInterestRealEstate" name="PercentageOfInterestRealEstate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_WarehouseRepurchaseFacility400millionMember" name="WarehouseRepurchaseFacility400millionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ConversionOfMortgageLoansToMezzanineLoans" name="ConversionOfMortgageLoansToMezzanineLoans" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_SeniorUnsecuredNotesDueInApril2024Member" name="SeniorUnsecuredNotesDueInApril2024Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_AcmConsortiumOfInvestorsAndCertainExecutivesMember" name="AcmConsortiumOfInvestorsAndCertainExecutivesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_RealEstateInvestmentFundMember" name="RealEstateInvestmentFundMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_AgencyBPieceBondsMember" name="AgencyBPieceBondsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodNetSettled" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodNetSettled" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_OtherLoanMember" name="OtherLoanMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_DerivativeSwapRatePeriod" name="DerivativeSwapRatePeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_CollateralizedLoanObligation" name="CollateralizedLoanObligation" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_PrivateLabelMember" name="PrivateLabelMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_WeightedAverageRemainingMaturityPeriod" name="WeightedAverageRemainingMaturityPeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_HeldToMaturitySecuritiesWeightedAverageFixedInterestRate" name="HeldToMaturitySecuritiesWeightedAverageFixedInterestRate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_StructuredBusinessSegmentMember" name="StructuredBusinessSegmentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_SingleFamilyRentalPropertiesRepurchaseFacility200MillionMember" name="SingleFamilyRentalPropertiesRepurchaseFacility200MillionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_NumberOfLoansUnderLoanPortfolio" name="NumberOfLoansUnderLoanPortfolio" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_SeniorUnsecuredNotesDueInOctober2024Member" name="SeniorUnsecuredNotesDueInOctober2024Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_UnaffiliatedBorrowerMember" name="UnaffiliatedBorrowerMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_FinancingReceivableBeforeAllowanceForCreditLossFundedAndUnfunded" name="FinancingReceivableBeforeAllowanceForCreditLossFundedAndUnfunded" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_NorthVermontAvenueMember" name="NorthVermontAvenueMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_JointRepurchaseFacilityMember" name="JointRepurchaseFacilityMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_CollateralizedLoanObligationsTwelveMember" name="CollateralizedLoanObligationsTwelveMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_MaturityDateOfOctober2021Member" name="MaturityDateOfOctober2021Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_RelatedPartyTransactionReimbursementForFlightsCharteredByCompanySExecutives" name="RelatedPartyTransactionReimbursementForFlightsCharteredByCompanySExecutives" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_EntityControlledByChiefExecutiveOfficerMember" name="EntityControlledByChiefExecutiveOfficerMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ConvertibleSeniorUnsecuredNotes4.75Member" name="ConvertibleSeniorUnsecuredNotes4.75Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ConvertibleSeniorUnsecuredNotes4.75ConvertibleNotesAnd5.25ConvertibleNotesMember" name="ConvertibleSeniorUnsecuredNotes4.75ConvertibleNotesAnd5.25ConvertibleNotesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_PeriodAxis" name="PeriodAxis" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_PeriodDomain" name="PeriodDomain" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_RealEstateInvestmentsCommitmentAmount" name="RealEstateInvestmentsCommitmentAmount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_RealEstateSingleFamilyRentalMember" name="RealEstateSingleFamilyRentalMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_OtherLoansMember" name="OtherLoansMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_PeriodOfLoansHeldForSaleSold" name="PeriodOfLoansHeldForSaleSold" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_CollateralizedLoanObligationsThirteenMember" name="CollateralizedLoanObligationsThirteenMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ImpairedFinancingReceivableFirstDollarLtvRatio" name="ImpairedFinancingReceivableFirstDollarLtvRatio" nillable="true" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_ImpairedFinancingReceivableLastDollarLtvRatio" name="ImpairedFinancingReceivableLastDollarLtvRatio" nillable="true" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_SeniorUnsecuredNotes4.50Member" name="SeniorUnsecuredNotes4.50Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ImpactOfAdoptingCurrentExpectedCreditLosses" name="ImpactOfAdoptingCurrentExpectedCreditLosses" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_GuaranteeObligationsIncludedInAllowanceForLossSharingObligations" name="GuaranteeObligationsIncludedInAllowanceForLossSharingObligations" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="abr_MaturityDateOfApril2030Member" name="MaturityDateOfApril2030Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_SeniorUnsecuredNotes8.00Member" name="SeniorUnsecuredNotes8.00Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_MaturityDateOfMarch2030Member" name="MaturityDateOfMarch2030Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_LossSharingObligationsAllowance" name="LossSharingObligationsAllowance" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_ConsolidatedClosAndDebtFundMember" name="ConsolidatedClosAndDebtFundMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_AgencyPrivateLabelCertificatesMember" name="AgencyPrivateLabelCertificatesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ScheduleOfDebtInstrumentSeniorUnsecuredNotesTableTextBlock" name="ScheduleOfDebtInstrumentSeniorUnsecuredNotesTableTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_StudentHousingMember" name="StudentHousingMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_DebtInstrumentFloorRate" name="DebtInstrumentFloorRate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_NumberOfImpairedLoansByAssetClass" name="NumberOfImpairedLoansByAssetClass" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_PropertyOperatingExpense" name="PropertyOperatingExpense" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_PercentageOfEquityParticipationInterest" name="PercentageOfEquityParticipationInterest" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="abr_BridgeLoanSeveralMultifamilyPropertiesMember" name="BridgeLoanSeveralMultifamilyPropertiesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_BridgeLoanOneMultifamilyPropertyMember" name="BridgeLoanOneMultifamilyPropertyMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_BridgeLoanTwoMultifamilyPropertiesMember" name="BridgeLoanTwoMultifamilyPropertiesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_BridgeLoanSixMultifamilyPropertiesMember" name="BridgeLoanSixMultifamilyPropertiesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_MaturityDateOfJune2021Member" name="MaturityDateOfJune2021Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_MaturityDateOfFourthQuarter2020Member" name="MaturityDateOfFourthQuarter2020Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_MaturityDateJanuary2019Member" name="MaturityDateJanuary2019Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_MaturityDateSeptember2019Member" name="MaturityDateSeptember2019Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_CertainOfficersAndManagersMember" name="CertainOfficersAndManagersMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_GinkgoInvestmentCompanyLlcMember" name="GinkgoInvestmentCompanyLlcMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_LightstoneValuePlusREITLPMember" name="LightstoneValuePlusREITLPMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_VestingPeriodThreeMember" name="VestingPeriodThreeMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_VestingPeriodTwoMember" name="VestingPeriodTwoMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
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  <xsd:element id="abr_ConsortiumOfAffiliatedInvestorsMember" name="ConsortiumOfAffiliatedInvestorsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_IncomeLossFromContinuingOperationsBeforeEquityMethodInvestmentsExtinguishmentOfDebtSaleOfRealEstateIncomeTaxesNoncontrollingInterest" name="IncomeLossFromContinuingOperationsBeforeEquityMethodInvestmentsExtinguishmentOfDebtSaleOfRealEstateIncomeTaxesNoncontrollingInterest" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_LoansPurchasedWithCreditDeteriorationDiscountPremium" name="LoansPurchasedWithCreditDeteriorationDiscountPremium" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_LoansPurchasedWithCreditDeteriorationDiscountReceivedClassifiedAsNoncreditDiscount" name="LoansPurchasedWithCreditDeteriorationDiscountReceivedClassifiedAsNoncreditDiscount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_ForbearanceAgreementMember" name="ForbearanceAgreementMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_MortgageLoansOnRealEstatePayRate" name="MortgageLoansOnRealEstatePayRate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_LossContingencyNumberOfCountsDismissedAgainstDefendantEntities" name="LossContingencyNumberOfCountsDismissedAgainstDefendantEntities" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_LossContingencyLiborFloorCertificateTransfersValue" name="LossContingencyLiborFloorCertificateTransfersValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_SeniorUnsecuredNote8.00AndNote4.50Member" name="SeniorUnsecuredNote8.00AndNote4.50Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_SeniorUnsecuredNote4.75AndNote5.75AndNote5.625Member" name="SeniorUnsecuredNote4.75AndNote5.75AndNote5.625Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_LoanModificationAgreementMember" name="LoanModificationAgreementMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_MortgageLoansOnRealEstateAdditionalReserveDeposit" name="MortgageLoansOnRealEstateAdditionalReserveDeposit" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_RealEstateOwnedAndHeldForSalePolicyTextBlock" name="RealEstateOwnedAndHeldForSalePolicyTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_AllowanceForLossSharingObligationPolicyPolicyTextBlock" name="AllowanceForLossSharingObligationPolicyPolicyTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_LoansHeldForSalePolicyPolicyTextBlock" name="LoansHeldForSalePolicyPolicyTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_OtherRelatedPartyTransactionsMember" name="OtherRelatedPartyTransactionsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_MaturityDateSeptember2020Member" name="MaturityDateSeptember2020Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_MaturityDateOfAugust2022Member" name="MaturityDateOfAugust2022Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_CreditFacility150MillionMember" name="CreditFacility150MillionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_PercentageOfInterestWaived" name="PercentageOfInterestWaived" nillable="true" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_MaturesInOctober2023Member" name="MaturesInOctober2023Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_MaturesInApril2023Member" name="MaturesInApril2023Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_MaturesInMay2023Member" name="MaturesInMay2023Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_RelatedPartyLoanCommitmentAmount" name="RelatedPartyLoanCommitmentAmount" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_DistributionsFromEquityAffiliates" name="DistributionsFromEquityAffiliates" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_SingleFamilyResidentialMember" name="SingleFamilyResidentialMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_CreditFacility200millionMember" name="CreditFacility200millionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_CollateralizedLoanObligationsFourteenMember" name="CollateralizedLoanObligationsFourteenMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_VestingPeriodFourMember" name="VestingPeriodFourMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_AmendedOmnibusStockIncentivePlan2020Member" name="AmendedOmnibusStockIncentivePlan2020Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_FinancingReceivableRecordedInvestmentsPastDue" name="FinancingReceivableRecordedInvestmentsPastDue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_FinancingReceivableModificationsRefinancingAndOrExtensionsMadeConsideredTroubleDebtRestructuringNumberOfLoans" name="FinancingReceivableModificationsRefinancingAndOrExtensionsMadeConsideredTroubleDebtRestructuringNumberOfLoans" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_MaturityDateOfMarch2024Member" name="MaturityDateOfMarch2024Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_RealEstateInvestmentFundSponsoredAndManagedByChiefExecutiveOfficerAndImmediateFamilyMemberOfManagementOrPrincipalOwnerMember" name="RealEstateInvestmentFundSponsoredAndManagedByChiefExecutiveOfficerAndImmediateFamilyMemberOfManagementOrPrincipalOwnerMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_TimeBasedVestingEquityAwardMember" name="TimeBasedVestingEquityAwardMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_SeriesDCumulativeRedeemablePreferredStock6.375PercentMember" name="SeriesDCumulativeRedeemablePreferredStock6.375PercentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_CollateralizedLoanObligationsFifteenMember" name="CollateralizedLoanObligationsFifteenMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_SeriesDCumulativeRedeemablePreferredStock6.375SeriesDPreferredStockMember" name="SeriesDCumulativeRedeemablePreferredStock6.375SeriesDPreferredStockMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_SeniorUnsecuredNotes5.00Member" name="SeniorUnsecuredNotes5.00Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_FiveBorrowersMember" name="FiveBorrowersMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_CreditFacility400MillionMember" name="CreditFacility400MillionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_LoansAndLeasesReceivableAllowanceReversal" name="LoansAndLeasesReceivableAllowanceReversal" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="abr_ProceedsFromLoansAndInvestmentsFundedOriginatedAndPurchased" name="ProceedsFromLoansAndInvestmentsFundedOriginatedAndPurchased" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_MasterSecurityAgreement1MillionMember" name="MasterSecurityAgreement1MillionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ContractualObligations" name="ContractualObligations" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="abr_NumberOfLoansUnderSpecifiedLoanPortfolio" name="NumberOfLoansUnderSpecifiedLoanPortfolio" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_PreferredStockAccretionOfRedemptionDiscountShares" name="PreferredStockAccretionOfRedemptionDiscountShares" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_SeriesFCumulativeRedeemablePreferredStock6.25PercentMember" name="SeriesFCumulativeRedeemablePreferredStock6.25PercentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_PreferredStockDividendFixedRate" name="PreferredStockDividendFixedRate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_SeriesECumulativeRedeemablePreferredStock6.25PercentMember" name="SeriesECumulativeRedeemablePreferredStock6.25PercentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_CollateralizedLoanObligationsSixteenMember" name="CollateralizedLoanObligationsSixteenMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_WarehouseRepurchaseFacility450millionMember" name="WarehouseRepurchaseFacility450millionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_CreditFacility225millionMember" name="CreditFacility225millionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_NetIncomeLossAvailableToCommonStockholdersBasic1" name="NetIncomeLossAvailableToCommonStockholdersBasic1" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_NetIncomeLossAvailableToCommonStockholdersDiluted1" name="NetIncomeLossAvailableToCommonStockholdersDiluted1" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_WeightedAverageNumberOfSharesOutstandingBasic1" name="WeightedAverageNumberOfSharesOutstandingBasic1" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_WeightedAverageNumberOfDilutedSharesOutstandingOne" name="WeightedAverageNumberOfDilutedSharesOutstandingOne" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_SeniorUnsecuredNotes4.50PercentMember" name="SeniorUnsecuredNotes4.50PercentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_DerivativeSwapDefaultCredit" name="DerivativeSwapDefaultCredit" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" />
  <xsd:element id="abr_CreditFacility50MillionMember" name="CreditFacility50MillionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_WorkingCapitalFacility30MillionMember" name="WorkingCapitalFacility30MillionMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ProceedsFromConvertibleSeniorUnsecuredNotesPayable" name="ProceedsFromConvertibleSeniorUnsecuredNotesPayable" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="abr_DebtInstrumentReducedBasisSpreadOnVariableRate" name="DebtInstrumentReducedBasisSpreadOnVariableRate" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="abr_ConcentrationRiskThresholdPercentage" name="ConcentrationRiskThresholdPercentage" nillable="true" type="xbrli:pureItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" abstract="false" />
  <xsd:element id="abr_WakefieldInvestmentHoldingsLlcMember" name="WakefieldInvestmentHoldingsLlcMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_ChiefExecutiveOfficerAndOtherRelatedPartiesMember" name="ChiefExecutiveOfficerAndOtherRelatedPartiesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="abr_AriResidentialMortgageBankingBusinessMember" name="AriResidentialMortgageBankingBusinessMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="ExtinguishmentOfConvertibleSeniorUnsecuredNotes" id="abr_ExtinguishmentOfConvertibleSeniorUnsecuredNotes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FifthWallVenturesIiiMember" id="abr_FifthWallVenturesIiiMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfInvestments" id="abr_NumberOfInvestments" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="JointRepurchaseFacility1.00BillionMember" id="abr_JointRepurchaseFacility1.00BillionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CreditFacility25MillionOneMember" id="abr_CreditFacility25MillionOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CreditFacility25MillionTwoMember" id="abr_CreditFacility25MillionTwoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="JointRepurchaseFacility500MillionMember" id="abr_JointRepurchaseFacility500MillionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="WarehouseRepurchaseFacility500MillionMember" id="abr_WarehouseRepurchaseFacility500MillionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SingleFamilyRentalPropertiesRepurchaseFacility1.3MillionMember" id="abr_SingleFamilyRentalPropertiesRepurchaseFacility1.3MillionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RealEstateMultiFamilyMember" id="abr_RealEstateMultiFamilyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CollateralizedLoanObligationsSeventeenMember" id="abr_CollateralizedLoanObligationsSeventeenMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SeniorUnsecuredNotesOne5.00Member" id="abr_SeniorUnsecuredNotesOne5.00Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="Clo11AndClo9Member" id="abr_Clo11AndClo9Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="Clo8Member" id="abr_Clo8Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FiniteLivedIntangibleAssetsExcludingServicingContractsMember" id="abr_FiniteLivedIntangibleAssetsExcludingServicingContractsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RepaymentsOfUnsecuredDebtIncludedAccruedInterest" id="abr_RepaymentsOfUnsecuredDebtIncludedAccruedInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="RetailPropertyMember" id="abr_RetailPropertyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PaymentsToPurchaseProperty" id="abr_PaymentsToPurchaseProperty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CollateralizedLoanObligationsEighteenMember" id="abr_CollateralizedLoanObligationsEighteenMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DocsumoPte.LtdMember" id="abr_DocsumoPte.LtdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ProceedsFromSaleOfEquityParticipationInProperty" id="abr_ProceedsFromSaleOfEquityParticipationInProperty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EquityParticipationInterestMember" id="abr_EquityParticipationInterestMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MaturityDateOfMarch2025Member" id="abr_MaturityDateOfMarch2025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SingleFamilyRentalPropertiesRepurchaseFacility1.0MillionMember" id="abr_SingleFamilyRentalPropertiesRepurchaseFacility1.0MillionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MaturityDateOf2020Member" id="abr_MaturityDateOf2020Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PercentageOfDebtInstrumentInterestRateExcludingAmortizationOfDebtDiscount" id="abr_PercentageOfDebtInstrumentInterestRateExcludingAmortizationOfDebtDiscount" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="LimitedLiabilityCompany1Member" id="abr_LimitedLiabilityCompany1Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarningsRealized" id="abr_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarningsRealized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarningsUnrealized" id="abr_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarningsUnrealized" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LoansReceivableHeldForSaleSecuritization" id="abr_LoansReceivableHeldForSaleSecuritization" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BridgeLoanAndMezzanineLoanMember" id="abr_BridgeLoanAndMezzanineLoanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MortgageLoansAndMezzanineLoansOnRealEstateInvestmentTotalSaleValue" id="abr_MortgageLoansAndMezzanineLoansOnRealEstateInvestmentTotalSaleValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FutureCapitalInvestmentToBeUsed" id="abr_FutureCapitalInvestmentToBeUsed" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FeesAndExpensesOnMortgageLoan" id="abr_FeesAndExpensesOnMortgageLoan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="RecoverOfAdditionalPotentialLoan" id="abr_RecoverOfAdditionalPotentialLoan" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ImpairmentLossOnImpairedLoansHeldForSale" id="abr_ImpairmentLossOnImpairedLoansHeldForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="UnrealizedImpairmentLossesBeforeCarryingValue" id="abr_UnrealizedImpairmentLossesBeforeCarryingValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CollateralizedLoanObligationsNineteenMember" id="abr_CollateralizedLoanObligationsNineteenMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ChangeInFairValueOfHeldForSaleLoans" id="abr_ChangeInFairValueOfHeldForSaleLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="JointRepurchaseFacility2.5BillionMember" id="abr_JointRepurchaseFacility2.5BillionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="WarehouseRepurchaseFacility450MillionWithExtendedMaturityOfMarch2023Member" id="abr_WarehouseRepurchaseFacility450MillionWithExtendedMaturityOfMarch2023Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="WarehouseRepurchaseFacility450MillionWithExtendedMaturityOfOctober2024Member" id="abr_WarehouseRepurchaseFacility450MillionWithExtendedMaturityOfOctober2024Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfLoansSold" id="abr_NumberOfLoansSold" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ImpairmentLossWithRelatedAllowanceNumberOfLoans" id="abr_ImpairmentLossWithRelatedAllowanceNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="UnrealizedImpairmentLosses" id="abr_UnrealizedImpairmentLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="GainLossOnSaleOfLoans" id="abr_GainLossOnSaleOfLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="UnrealizedImpairmentLoss" id="abr_UnrealizedImpairmentLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BridgeMember" id="abr_BridgeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RelatedPartyUpsizedLoanCommitmentAmount" id="abr_RelatedPartyUpsizedLoanCommitmentAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="SeniorUnsecuredNotes8.50Member" id="abr_SeniorUnsecuredNotes8.50Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ConvertibleSeniorUnsecuredNotes7.50Member" id="abr_ConvertibleSeniorUnsecuredNotes7.50Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VestedOnGrantDateMember" id="abr_VestedOnGrantDateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ImpairedFinancingReceivableCarryingValue" id="abr_ImpairedFinancingReceivableCarryingValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LoansCollateralizedByLandDevelopmentProjectMember" id="abr_LoansCollateralizedByLandDevelopmentProjectMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MaturityDateOfMay2025Member" id="abr_MaturityDateOfMay2025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SubordinateCertificatesMember" id="abr_SubordinateCertificatesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfFloatingRateLoansSold" id="abr_NumberOfFloatingRateLoansSold" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NumberOfMortgagePropertiesQualifiedForLien" id="abr_NumberOfMortgagePropertiesQualifiedForLien" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtWeightedAverageInterestRateExcludingFeesAndCosts" id="abr_DebtWeightedAverageInterestRateExcludingFeesAndCosts" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="SecSchedule1229RealEstateCompaniesInvestmentInMortgageLoansOnRealEstateReclassificationToRealEstateOwned" id="abr_SecSchedule1229RealEstateCompaniesInvestmentInMortgageLoansOnRealEstateReclassificationToRealEstateOwned" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="MortgageServicingTable" id="abr_MortgageServicingTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MortgageServicingLineItems" id="abr_MortgageServicingLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RepaymentAmountOfOutstandingPrincipalAmountOfDebt" id="abr_RepaymentAmountOfOutstandingPrincipalAmountOfDebt" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="QSeriesSecuritizationMember" id="abr_QSeriesSecuritizationMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="WarehouseRepurchaseFacility499MillionMember" id="abr_WarehouseRepurchaseFacility499MillionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NonMultiFamilyMember" id="abr_NonMultiFamilyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtInstrumentExtensionTerm" id="abr_DebtInstrumentExtensionTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CollateralSecuritizeDebtMember" id="abr_CollateralSecuritizeDebtMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoanSpecificCreditFacilities156MillionMember" id="abr_LoanSpecificCreditFacilities156MillionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoanSpecificCreditFacility156.5MillionMember" id="abr_LoanSpecificCreditFacility156.5MillionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CreditFacilitySeventyFiveMillionMember" id="abr_CreditFacilitySeventyFiveMillionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NoOtherStateMember" id="abr_NoOtherStateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MultifamilySofrMember" id="abr_MultifamilySofrMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CumulativeEffectAdjustmentForAdoptionOfCreditLossStandard" id="abr_CumulativeEffectAdjustmentForAdoptionOfCreditLossStandard" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="CumulativeEffectAdjustmentForAdoptionOfConvertibleDebtStandard" id="abr_CumulativeEffectAdjustmentForAdoptionOfConvertibleDebtStandard" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="InvestmentInRealEstateNetNonCashInvestingAndFinancingActivities" id="abr_InvestmentInRealEstateNetNonCashInvestingAndFinancingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
</xsd:schema>
