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  <xs:element id="abr_ContractualInterestRateReductionWithOrWithoutTermExtensionsMember" abstract="true" name="ContractualInterestRateReductionWithOrWithoutTermExtensionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_OtherLoanRestructuringModificationMember" abstract="true" name="OtherLoanRestructuringModificationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_ExtendedMaturity22.1MonthsMember" abstract="true" name="ExtendedMaturity22.1MonthsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_ExtendedMaturity36.8MonthsMember" abstract="true" name="ExtendedMaturity36.8MonthsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_ExtendedMaturity23.5MonthsMember" abstract="true" name="ExtendedMaturity23.5MonthsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_PaymentDeferralAndPayRateIncreaseFromTimeToTimeMember" abstract="true" name="PaymentDeferralAndPayRateIncreaseFromTimeToTimeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="abr_ExtendedMaturity19.3MonthsMember" abstract="true" name="ExtendedMaturity19.3MonthsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="abr_FinancingReceivableTrancheTwoMember" abstract="true" name="FinancingReceivableTrancheTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_FinancingReceivableModifiedDuringCurrentPeriodWeightedAverageInterestRateAfterModification" abstract="false" name="FinancingReceivableModifiedDuringCurrentPeriodWeightedAverageInterestRateAfterModification" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="abr_FinancingReceivableModificationsUnpaidPrincipalBalance" abstract="false" name="FinancingReceivableModificationsUnpaidPrincipalBalance" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="abr_FinancingReceivableModifiedDuringCurrentYear" abstract="false" name="FinancingReceivableModifiedDuringCurrentYear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="abr_NumberOfOfficers" abstract="false" name="NumberOfOfficers" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="abr_EquityInvestmentsMadeByOfficersConstructionProject" abstract="false" name="EquityInvestmentsMadeByOfficersConstructionProject" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_RelatedPartyOwnershipPercentage" abstract="false" name="RelatedPartyOwnershipPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="abr_MaturityDateJuly2027Member" abstract="true" name="MaturityDateJuly2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_MaturityDateMay2027CommittedIn2024Member" abstract="true" name="MaturityDateMay2027CommittedIn2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_MaturityDateOfMay2026Member" abstract="true" name="MaturityDateOfMay2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_MaturityDateOfMarch2026CommittedFebruary2022Member" abstract="true" name="MaturityDateOfMarch2026CommittedFebruary2022Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_LimitedLiabilityCompany1Member" abstract="true" name="LimitedLiabilityCompany1Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_RetailPropertyMember" abstract="true" name="RetailPropertyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_CommercialMortgageBackedSecurityMember" abstract="true" name="CommercialMortgageBackedSecurityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_PaymentsToPurchaseProperty" abstract="false" name="PaymentsToPurchaseProperty" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_MaturityDateApril2030Member" abstract="true" name="MaturityDateApril2030Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_BridgeLoanTwoMultifamilyPropertiesMember" abstract="true" name="BridgeLoanTwoMultifamilyPropertiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_RealEstateInvestmentFundMember" abstract="true" name="RealEstateInvestmentFundMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_BridgeLoanOneMultifamilyPropertyMember" abstract="true" name="BridgeLoanOneMultifamilyPropertyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_BridgeLoanSixMultifamilyPropertiesMember" abstract="true" name="BridgeLoanSixMultifamilyPropertiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_MaturityDateFebruary2025Member" abstract="true" name="MaturityDateFebruary2025Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_MaturityDateJuly2028Member" abstract="true" name="MaturityDateJuly2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_MaturityDateOfJanuary2024Member" abstract="true" name="MaturityDateOfJanuary2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_MaturityDateOf2019Member" abstract="true" name="MaturityDateOf2019Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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-types: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_MaturityDateOfFebruary2027Member" abstract="true" name="MaturityDateOfFebruary2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_BridgeLoanSeveralMultifamilyPropertiesMember" abstract="true" name="BridgeLoanSeveralMultifamilyPropertiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_FinancingReceivableModifiedAdditionalCollateral" abstract="false" name="FinancingReceivableModifiedAdditionalCollateral" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_FinancingReceivableModifiedFuturePaydown" abstract="false" name="FinancingReceivableModifiedFuturePaydown" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_PercentageOfMaximumLossSharingObligationOfUnpaidPrincipalBalance" abstract="false" name="PercentageOfMaximumLossSharingObligationOfUnpaidPrincipalBalance" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="abr_ResidentialMortgageBankingCompanyAcquisitionsMember" abstract="true" name="ResidentialMortgageBankingCompanyAcquisitionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_WakefieldInvestmentHoldingLLCMember" abstract="true" name="WakefieldInvestmentHoldingLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_AriResidentialMortgageBankingBusinessMember" abstract="true" name="AriResidentialMortgageBankingBusinessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="abr_EquityMethodInvestmentNoncontrollingInterestAcquired" abstract="false" name="EquityMethodInvestmentNoncontrollingInterestAcquired" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="abr_AgreementForSaleOfBusinessExpectedSalePrice" abstract="false" name="AgreementForSaleOfBusinessExpectedSalePrice" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_AgreementForSaleOfBusinessExpectedSalePriceInstallmentOne" abstract="false" name="AgreementForSaleOfBusinessExpectedSalePriceInstallmentOne" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_AgreementForSaleOfBusinessExpectedSalePriceInstallmentTwo" abstract="false" name="AgreementForSaleOfBusinessExpectedSalePriceInstallmentTwo" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_AgreementForSaleOfBusinessExpectedSalePriceInstallmentThree" abstract="false" name="AgreementForSaleOfBusinessExpectedSalePriceInstallmentThree" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="abr_LaborAndRelatedExpenseExcludingCommissions" abstract="false" name="LaborAndRelatedExpenseExcludingCommissions" nillable="true" xbrli:periodType="duration" 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_OtherLiabilitiesAndDueToBorrowers" abstract="false" name="OtherLiabilitiesAndDueToBorrowers" 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-types: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-types:percentItemType"/>
  <xs:element id="abr_OriginatedMortgageServicingRightsRate" abstract="false" name="OriginatedMortgageServicingRightsRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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>
