Arbor Bank mortgage approval rate & lending review
Arbor Bank decided 889 mortgage applications and funded 844 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Arbor Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Arbor Bank at a glance
Approval is 14.2 points above the 82.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 591 / 595 | 98% | $275K | 582 |
| Home improvement loans | 82% | 67 / 82 | 97% | $75K | 65 |
| Cash-out refinance | 88% | 49 / 56 | 98% | $205K | 48 |
| Refinance | 100% | 78 / 78 | 95% | $195K | 74 |
| Investment property purchase | 98% | 50 / 51 | 98% | $155K | 49 |
Arbor Bank lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Arbor Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Douglas County, NE | Mortgage lenders | 99% | 408 | 400 |
| Sarpy County, NE | Mortgage lenders | 100% | 115 | 113 |
| Douglas County, NE | Home improvement loans | 84% | 63 | 52 |
| Douglas County, NE | Refinance | 100% | 51 | 48 |
| Douglas County, NE | Cash-out refinance | 88% | 40 | 35 |
| Douglas County, NE | Investment property purchase | 97% | 31 | 29 |
The county markets where Arbor Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Arbor Bank
What is Arbor Bank's mortgage approval rate?
Arbor Bank approved 96.9% of the 889 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.2 points above the 82.7% national rate for the same mix of loan types.
How often do borrowers take the loan Arbor Bank offers?
Borrowers accepted 98% of the loans Arbor Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Arbor Bank make?
The typical home purchase mortgage loan Arbor Bank made was $275K; across all loan types its typical loan ran from $75K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Arbor Bank lend?
Arbor Bank decided applications in 19 of the states Fat Boy Data covers, most of them in Nebraska, Minnesota and Florida.
Can I apply to Arbor Bank directly?
Yes. Arbor Bank is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Arbor Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Arbor Bank treats applications, then get a rate quote from the lender.