Arbor Realty Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
37th7.1% deniedProcesswithdrawn + incomplete share, weight 15%
18th15.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 723 | 519 | 8.3% | 10.1% | 5.80% | $5.4B |
| 2024 | 564 | 412 | 5.3% | 6.7% | 5.89% | $4.9B |
| 2025 | 551 | 423 | 6.0% | 7.1% | 5.57% | $5.6B |
What Arbor Realty Trust 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, 0 manufactured homes, 551 investment properties.
Why Arbor Realty Trust denies applications
Primary reason reported for each of the 33 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Where Arbor Realty Trust lends
45 states and 246 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 73 | 49 | 5.5% | 5.55% | #624 |
| New York | 71 | 51 | 5.6% | 5.67% | #303 |
| Florida | 42 | 40 | 2.4% | 5.32% | #624 |
| New Jersey | 37 | 31 | 8.1% | 5.63% | #388 |
| North Carolina | 29 | 26 | 0.0% | 5.88% | #473 |
| Illinois | 23 | 15 | 4.4% | 5.38% | #577 |
| Ohio | 23 | 16 | 13.0% | 5.89% | #509 |
| Pennsylvania | 23 | 21 | 4.4% | 5.11% | #583 |
| Georgia | 21 | 17 | 4.8% | 5.71% | #563 |
| California | 20 | 11 | 30.0% | 5.72% | #644 |
| South Carolina | 19 | 19 | 0.0% | 5.92% | #456 |
| Connecticut | 17 | 16 | 0.0% | 5.34% | #319 |
| Alabama | 13 | 11 | 0.0% | 5.71% | #443 |
| Missouri | 13 | 11 | 0.0% | 5.59% | #485 |
| Tennessee | 11 | 8 | 18.2% | 5.35% | #619 |
| Mississippi | 9 | 8 | 0.0% | 5.83% | #286 |
| Arizona | 8 | 6 | 0.0% | 5.27% | #543 |
| Oregon | 8 | 4 | 37.5% | 5.05% | #386 |
| Arkansas | 6 | 6 | 0.0% | 5.12% | #395 |
| Kentucky | 6 | 5 | 16.7% | 5.31% | #469 |
| Michigan | 6 | 4 | 0.0% | 5.59% | #569 |
| Colorado | 5 | 4 | 0.0% | 6.29% | #606 |
| District of Columbia | 5 | 0 | 20.0% | — | #247 |
| Maryland | 5 | 4 | 0.0% | 6.36% | #538 |
Frequently asked questions
Arbor Realty Trust denied 7.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 37th percentile of investment-property lenders.
The most common reason Arbor Realty Trust gave in 2025 was "other", cited on 51.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Arbor Realty Trust originated in 2025 was 5.57%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 22% of its applications were for home purchases, 78% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 0% 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.