Arbor Realty Trust in California vs the state
30.0%Denial rate+12.58 pts vs state
35.3%Decision denial rate+12.89 pts vs state
55.0%Origination rate-1.20 pts vs state
5.72%Median rate-0.91 pts vs state
—Rate spread (pts)
—Median applicant income
11Loans originated
6Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 15 | 0.0% | 5.61% | #654 |
| 2024 | 30 | 22 | 0.0% | 6.24% | #595 |
| 2025 | 20 | 11 | 30.0% | 5.72% | #644 |
What Arbor Realty Trust lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Arbor Realty Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 8 | 3 | 4 | 50.0% |
| San Diego County | 4 | 3 | 0 | 0.0% |
| Riverside County | 2 | 0 | 2 | 100.0% |
| Fresno County | 2 | 2 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| San Bernardino County | 1 | 1 | 0 | 0.0% |
| Sutter County | 1 | 1 | 0 | 0.0% |
| San Francisco County | 1 | 0 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 20 applications in 2025, of which 11 were originated and 6 denied.
30.0% of all applications, or 35.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Arbor Realty Trust originated in California in 2025 was 5.72%, against a statewide median of 6.63%.
About this data. Figures are Arbor Realty Trust's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology