Arbor Financial Credit Union mortgage approval rate & lending review
Arbor Financial Credit Union decided 1,162 mortgage applications and funded 1,074 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Arbor Financial Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Arbor Financial Credit Union at a glance
Approval is 14.7 points above the 80.0% 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 | 98% | 675 / 688 | 97% | $225K | 655 |
| Home improvement loans | 89% | 141 / 159 | 100% | $55K | 141 |
| Cash-out refinance | 91% | 191 / 211 | 98% | $105K | 187 |
| Refinance | 88% | 45 / 51 | 98% | $135K | 44 |
| Investment property purchase | 95% | 37 / 39 | 97% | $225K | 36 |
Arbor Financial Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 95% | $225K | 1,162 | 1,074 |
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 Financial Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Kalamazoo County, MI | Mortgage lenders | 99% | 461 | 443 |
| Kalamazoo County, MI | Cash-out refinance | 88% | 131 | 112 |
| Kalamazoo County, MI | Home improvement loans | 87% | 105 | 91 |
| Allegan County, MI | Mortgage lenders | 98% | 54 | 51 |
| Kent County, MI | Mortgage lenders | 98% | 46 | 45 |
| Allegan County, MI | Cash-out refinance | 98% | 41 | 39 |
| Calhoun County, MI | Mortgage lenders | 98% | 40 | 37 |
| Kalamazoo County, MI | Refinance | 87% | 39 | 34 |
| Ottawa County, MI | Mortgage lenders | 93% | 29 | 27 |
| Allegan County, MI | Home improvement loans | 96% | 26 | 25 |
| Kalamazoo County, MI | Investment property purchase | 96% | 26 | 24 |
The county markets where Arbor Financial Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Arbor Financial Credit Union
What is Arbor Financial Credit Union's mortgage approval rate?
Arbor Financial Credit Union approved 94.8% of the 1,162 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.7 points above the 80.0% national rate for the same mix of loan types.
How often do borrowers take the loan Arbor Financial Credit Union offers?
Borrowers accepted 98% of the loans Arbor Financial Credit Union 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 Financial Credit Union make?
The typical home purchase mortgage loan Arbor Financial Credit Union made was $225K; across all loan types its typical loan ran from $55K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Arbor Financial Credit Union lend?
Arbor Financial Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Michigan.
Can I apply to Arbor Financial Credit Union directly?
Yes. Arbor Financial Credit Union is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Arbor Financial Credit Union'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 Financial Credit Union treats applications, then get a rate quote from the lender.