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  <xs:element id="abr_TemporaryInterestRateReliefFiveLoansMember" abstract="true" name="TemporaryInterestRateReliefFiveLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_FinancialAssetLessThan60DaysPastDueMember" abstract="true" name="FinancialAssetLessThan60DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_FinancialAsset60DaysPastDueMember" abstract="true" name="FinancialAsset60DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_SubordinatedLoanMember" abstract="true" name="SubordinatedLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_SeniorPositionLoanMember" abstract="true" name="SeniorPositionLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_NumberOfFinancingReceivablesModifiedDuringPeriod" abstract="false" name="NumberOfFinancingReceivablesModifiedDuringPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="abr_FinancingReceivableBasisSpreadOnVariableRate" abstract="false" name="FinancingReceivableBasisSpreadOnVariableRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="abr_FinancingReceivableFixedInterestRate" abstract="false" name="FinancingReceivableFixedInterestRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="abr_MortgageLoansOnRealEstateWeightedAveragePayRate" abstract="false" name="MortgageLoansOnRealEstateWeightedAveragePayRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="abr_FinancingReceivableModifiedInPeriodWeightedAverageAccrualRate" abstract="false" name="FinancingReceivableModifiedInPeriodWeightedAverageAccrualRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
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  <xs:element id="abr_FinancingReceivableModifiedInPeriodAccrualRateBasisSpreadOnVariableRate" abstract="false" name="FinancingReceivableModifiedInPeriodAccrualRateBasisSpreadOnVariableRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="abr_FinancingReceivableLoansModifiedInPeriodEquityReinvested" abstract="false" name="FinancingReceivableLoansModifiedInPeriodEquityReinvested" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="abr_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLossPreviouslyNonPerformingLoans" abstract="false" name="FinancingReceivableAccruedInterestBeforeAllowanceForCreditLossPreviouslyNonPerformingLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_FinancingReceivableFixedInterestRateFirstTwentyFourMonths" abstract="false" name="FinancingReceivableFixedInterestRateFirstTwentyFourMonths" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="abr_FinancingReceivableFixedInterestRateLastTwelveMonths" abstract="false" name="FinancingReceivableFixedInterestRateLastTwelveMonths" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="abr_FinancingReceivableAllowanceForCreditLossesSpecificallyImpairedLoans" abstract="false" name="FinancingReceivableAllowanceForCreditLossesSpecificallyImpairedLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_FinancingReceivableSpecificallyImpairedLoans" abstract="false" name="FinancingReceivableSpecificallyImpairedLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="abr_FinancingReceivableModifiedPercentageOfInterestDeferred" abstract="false" name="FinancingReceivableModifiedPercentageOfInterestDeferred" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="abr_FinancingReceivableModifiedPercentOfDeferredInterestWaivedIfPaidOffByExtendedMaturityDate" abstract="false" name="FinancingReceivableModifiedPercentOfDeferredInterestWaivedIfPaidOffByExtendedMaturityDate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="abr_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestConversionToCommonEquityInvestment" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestConversionToCommonEquityInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_FinancingReceivableTotalFixedRate" abstract="false" name="FinancingReceivableTotalFixedRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="abr_FinancingReceivableTotalFixedRatePeriod" abstract="false" name="FinancingReceivableTotalFixedRatePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
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  <xs:element id="abr_WacoPropertyMember" abstract="true" name="WacoPropertyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="abr_ProceedsFromSaleOfRealEstateCapitalizedAmount" abstract="false" name="ProceedsFromSaleOfRealEstateCapitalizedAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="abr_FinancingReceivableRecordedInvestmentsPastDue" abstract="false" name="FinancingReceivableRecordedInvestmentsPastDue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="abr_FederalHomeLoanMortgageCorporationLoansMember" abstract="true" name="FederalHomeLoanMortgageCorporationLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abr_SFRFixedRateMember" abstract="true" name="SFRFixedRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_FederalHousingAdministrationLoansMember" abstract="true" name="FederalHousingAdministrationLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abr_FairValueOfFutureMortgageServicingRights" abstract="false" name="FairValueOfFutureMortgageServicingRights" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="abr_LoansReceivableHeldForSaleUnearnedDiscount" abstract="false" name="LoansReceivableHeldForSaleUnearnedDiscount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="abr_ServicingAssetAtAmortizedCostWriteDownsAndPayoffs" abstract="false" name="ServicingAssetAtAmortizedCostWriteDownsAndPayoffs" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="abr_NumberOfBridgeLoansSold" abstract="false" name="NumberOfBridgeLoansSold" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="abr_ConcentrationRiskNumberOfStatesOver4PercentRevenues" abstract="false" name="ConcentrationRiskNumberOfStatesOver4PercentRevenues" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
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  <xs:element id="abr_ContractuallySpecifiedServicingFeesAmountGross" abstract="false" name="ContractuallySpecifiedServicingFeesAmountGross" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="abr_WriteDownsAndPayoffsMortgageServicingRights" abstract="false" name="WriteDownsAndPayoffsMortgageServicingRights" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_AgencyPrivateLabelCertificatesMember" abstract="true" name="AgencyPrivateLabelCertificatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="abr_BPieceBondsMember" abstract="true" name="BPieceBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
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  <xs:element id="abr_AcquisitionFinancingAgreementMember" abstract="true" name="AcquisitionFinancingAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abr_RelatedPartyUpsizedLoanCommitmentAmount" abstract="false" name="RelatedPartyUpsizedLoanCommitmentAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_RealEstateInvestmentFundMember" abstract="true" name="RealEstateInvestmentFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abr_BridgeLoanOneMultifamilyPropertyMember" abstract="true" name="BridgeLoanOneMultifamilyPropertyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abr_BridgeLoanSixMultifamilyPropertiesMember" abstract="true" name="BridgeLoanSixMultifamilyPropertiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abr_MaturityDateOfAugust2023Member" abstract="true" name="MaturityDateOfAugust2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abr_MaturityDateOfJanuary2024Member" abstract="true" name="MaturityDateOfJanuary2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abr_MaturityDateOf2019Member" abstract="true" name="MaturityDateOf2019Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abr_MaturityDateOfSeptember2019Member" abstract="true" name="MaturityDateOfSeptember2019Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_OneMultifamilyPropertyMember" abstract="true" name="OneMultifamilyPropertyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abr_ConversionOfMortgageLoansToMezzanineLoans" abstract="false" name="ConversionOfMortgageLoansToMezzanineLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_BridgeLoanSeveralMultifamilyPropertiesMember" abstract="true" name="BridgeLoanSeveralMultifamilyPropertiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abr_GinkgoInvestmentCompanyLlcMember" abstract="true" name="GinkgoInvestmentCompanyLlcMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abr_PercentageOfMaximumLossSharingObligationOfUnpaidPrincipalBalance" abstract="false" name="PercentageOfMaximumLossSharingObligationOfUnpaidPrincipalBalance" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="abr_RelatedPartyPercentageInManagement" abstract="false" name="RelatedPartyPercentageInManagement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="abr_ResidentialMortgageBankingCompanyAcquisitionsMember" abstract="true" name="ResidentialMortgageBankingCompanyAcquisitionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abr_EquityMethodInvestmentNoncontrollingInterestAcquired" abstract="false" name="EquityMethodInvestmentNoncontrollingInterestAcquired" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="abr_OtherAssetsConsolidatingFinancialInformation" abstract="false" name="OtherAssetsConsolidatingFinancialInformation" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_DebtObligations" abstract="false" name="DebtObligations" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_OtherLiabilitiesConsolidatingFinancialInformation" abstract="false" name="OtherLiabilitiesConsolidatingFinancialInformation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_SingleFamilyRentalBondsMember" abstract="true" name="SingleFamilyRentalBondsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="abr_NewLoansOriginated" abstract="false" name="NewLoansOriginated" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_NumberOfLoansUnderSpecifiedLoanPortfolio" abstract="false" name="NumberOfLoansUnderSpecifiedLoanPortfolio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="abr_ContractualObligations" abstract="false" name="ContractualObligations" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_LoansPayoffsAndPaydowns" abstract="false" name="LoansPayoffsAndPaydowns" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_LoansOriginated" abstract="false" name="LoansOriginated" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_LoanCommitmentVolume" abstract="false" name="LoanCommitmentVolume" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_LoanSalesDataAbstract" abstract="true" name="LoanSalesDataAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="abr_SaleMarginOfMortgageLoanSold" abstract="false" name="SaleMarginOfMortgageLoanSold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="abr_OriginatedMortgageServicingRightsRate" abstract="false" name="OriginatedMortgageServicingRightsRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="abr_UnpaidPrincipalBalanceServicingPortfolio" abstract="false" name="UnpaidPrincipalBalanceServicingPortfolio" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
