ARBOR FINANCIAL CREDIT UNION
ARBOR FINANCIAL CREDIT UNION received 952 applications in 2025 and made 758 mortgages, in 41 counties across 1 state. The median rate its borrowers got was 7.125% on a median loan of $135,000. Of 836 decisions, 54 were denials — 6.5%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300E5018DD89WPX79 |
|---|---|
| Applications received | 952 |
| Mortgages made | 758 |
| Denied | 54 |
| Approved, not taken up | 24 |
| Withdrawn or incomplete | 116 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.3545 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 305 | 6.625% | $235,000 | 2.5% |
| Refinancing | 43 | 6.000% | $205,000 | 11.5% |
| Cash-out refinancing | 121 | 7.500% | $105,000 | 8.3% |
| Other purposes | 289 | 7.750% | $55,000 | 8.8% |
Where ARBOR FINANCIAL CREDIT UNION lends most
The 41 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kalamazoo County, MI | 345 | 7.125% | 7.0% |
| Van Buren County, MI | 108 | 7.375% | 5.2% |
| Allegan County, MI | 65 | 7.375% | 1.5% |
| St. Joseph County, MI | 58 | 7.500% | 13.2% |
| Kent County, MI | 43 | 7.250% | 2.3% |
| Ottawa County, MI | 24 | 7.125% | 0.0% |
| Barry County, MI | 21 | 6.875% | 4.6% |
| Calhoun County, MI | 19 | 6.750% | 9.5% |
| Cass County, MI | 14 | 6.750% | 6.7% |
| Oceana County, MI | 5 | Under 10 loans | 0.0% |
| Berrien County, MI | 4 | Under 10 loans | 20.0% |
| Ingham County, MI | 4 | Under 10 loans | 0.0% |
| Jackson County, MI | 4 | Under 10 loans | 20.0% |
| Lake County, MI | 4 | Under 10 loans | 0.0% |
| Muskegon County, MI | 4 | Under 10 loans | 0.0% |
| Grand Traverse County, MI | 3 | Under 10 loans | 0.0% |
| Isabella County, MI | 3 | Under 10 loans | 0.0% |
| Lapeer County, MI | 3 | Under 10 loans | 0.0% |
| Eaton County, MI | 2 | Under 10 loans | 0.0% |
| Hillsdale County, MI | 2 | Under 10 loans | 0.0% |
| Newaygo County, MI | 2 | Under 10 loans | 0.0% |
| Oakland County, MI | 2 | Under 10 loans | 0.0% |
| Wayne County, MI | 2 | Under 10 loans | 25.0% |
| Antrim County, MI | 1 | Under 10 loans | 0.0% |
| Bay County, MI | 1 | Under 10 loans | 0.0% |
| Benzie County, MI | 1 | Under 10 loans | 50.0% |
| Cheboygan County, MI | 1 | Under 10 loans | 0.0% |
| Clare County, MI | 1 | Under 10 loans | 0.0% |
| Crawford County, MI | 1 | Under 10 loans | 0.0% |
| Gladwin County, MI | 1 | Under 10 loans | 0.0% |
| Ionia County, MI | 1 | Under 10 loans | 0.0% |
| Kalkaska County, MI | 1 | Under 10 loans | 0.0% |
| Leelanau County, MI | 1 | Under 10 loans | 0.0% |
| Livingston County, MI | 1 | Under 10 loans | 0.0% |
| Mecosta County, MI | 1 | Under 10 loans | 0.0% |
| Monroe County, MI | 1 | Under 10 loans | 0.0% |
| Osceola County, MI | 1 | Under 10 loans | 0.0% |
| Tuscola County, MI | 1 | Under 10 loans | 0.0% |
| Washtenaw County, MI | 1 | Under 10 loans | 50.0% |
| Branch County, MI | 0 | Under 10 loans | Not published |
| Wexford County, MI | 0 | Under 10 loans | 33.3% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.