Arbor Financial Credit Union in Michigan vs the state
5.7%Denial rate-12.85 pts vs state
6.5%Decision denial rate-16.12 pts vs state
79.6%Origination rate+19.73 pts vs state
7.13%Median rate+0.38 pts vs state
0.36Rate spread (pts)-0.04 pts vs state
$95kMedian applicant income
758Loans originated
54Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,217 | 789 | 9.0% | 7.00% | #57 |
| 2024 | 944 | 701 | 7.6% | 7.50% | #75 |
| 2025 | 952 | 758 | 5.7% | 7.13% | #78 |
What Arbor Financial Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Arbor Financial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kalamazoo County | 435 | 345 | 27 | 6.2% |
| Van Buren County | 127 | 108 | 6 | 4.7% |
| Allegan County | 84 | 65 | 1 | 1.2% |
| St. Joseph County | 78 | 58 | 9 | 11.5% |
| Kent County | 53 | 43 | 1 | 1.9% |
| Ottawa County | 27 | 24 | 0 | 0.0% |
| Calhoun County | 24 | 19 | 2 | 8.3% |
| Barry County | 24 | 21 | 1 | 4.2% |
| Cass County | 17 | 14 | 1 | 5.9% |
| Berrien County | 8 | 4 | 1 | 12.5% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 952 applications in 2025, of which 758 were originated and 54 denied.
5.7% of all applications, or 6.5% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Arbor Financial Credit Union originated in Michigan in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are Arbor Financial Credit Union's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology