Lender in Michigan · HMDA 2025
Arbor Financial Credit Union mortgages in Michigan
Arbor Financial Credit Union's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Arbor Financial Credit Union originated 347 owner-occupied single-family loans in Michigan from 369 completed applications.
Its median conventional purchase loan costs were $3,740 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
347
of 369 applications
Denial rate
2.1%
Purchase · MI 7.8%
Rate spread
+0.18 pts
Conv. · MI +0.23 pts
Loan amount
$235,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 291 | 278 | 2.1% | 6.625% | +0.18 pts | $3,740 | $235,000 |
| Refinance | 40 | 34 | 10.0% | — | +0.12 pts | $3,030 | $205,000 |
| Cash-out refinance | 38 | 35 | 7.9% | — | +0.08 pts | $2,820 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Arbor Financial Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kalamazoo County | 5 | 170 | 5.2% |
| Van Buren County | 6 | 40 | 4.7% |
| St. Joseph County | 10 | 20 | 2.5% |
| Allegan County | 13 | 26 | 1.6% |
| Cass County | 13 | 9 | 1.4% |
| Lake County | 17 | 2 | 1.4% |
| Barry County | 25 | 9 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology