Arbor Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
95th0.9% deniedProcesswithdrawn + incomplete share, weight 15%
45th12.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 493 | 402 | 4.5% | 5.2% | 6.99% | $100M |
| 2024 | 553 | 455 | 4.2% | 4.7% | 6.99% | $107M |
| 2025 | 537 | 457 | 0.7% | 0.9% | — | $138M |
What Arbor Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 64 investment properties.
Who gets approved at Arbor Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 35 | 28 | 3.3% |
| $50k – $100k | 168 | 143 | 0.7% |
| $100k – $150k | 115 | 98 | 0.0% |
| $150k – $250k | 113 | 97 | 0.0% |
| Over $250k | 74 | 62 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 48 | 45 | 0.0% |
| 25–34 | 137 | 110 | 0.9% |
| 35–44 | 111 | 102 | 1.0% |
| 45–54 | 112 | 88 | 1.1% |
| 55–64 | 76 | 62 | 1.5% |
| 65–74 | 22 | 21 | 0.0% |
Where Arbor Bank lends
16 states and 62 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Arbor Bank denied 0.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 95th percentile of small mortgage lenders.
In 2025, 75% of its applications were for home purchases, 22% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 87% conventional, 6% FHA, 7% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.