# ARBOR FINANCIAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/arbor-financial-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ARBOR FINANCIAL CREDIT UNION is a credit union, headquartered in KALAMAZOO, MI, with 316 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 43% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 21% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300E5018DD89WPX79
- **Headquarters:** KALAMAZOO, MI
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MI
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.299%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,504
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 316
- **Dollar Volume:** $80 million
- **Applications Received:** 389
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $251,867
- **Average Borrower Income:** $128,896
- **Average Property Value:** $344,684

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 309 | +0.287% | $1,500 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 257 loans, Score: 66/100 (Strong)
- Refinance: 52 loans, Score: 60/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 264 | $69M | +0.251% | Strong 😀 |
| Refinance | 59/100 | 52 | $11M | +0.530% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 316 | 0.28% | 78/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kalamazoo | MI | 166 | 89/100 |
| Non |  | 77 | 52/100 |
| Grand Rapids | MI | 29 | 55/100 |
| Battle Creek, MI | MI | 14 | 51/100 |

## Where This Lender Ranks

ARBOR FINANCIAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Kalamazoo Credit Unions
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Kalamazoo for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Michigan for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions/fha-loans)
- 🏆 **#7** in Grand Rapids for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Battle Creek, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/battle-creek-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Grand Rapids Credit Unions
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/credit-unions)
- 🏆 **#11** in Kalamazoo
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders)
- 🏆 **#11** in Kalamazoo for Conventional Loans
  - [View Full Rankings](https://saferate.com/kalamazoo/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in Michigan Credit Unions
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions)
- 🏆 **#12** in Michigan for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#18** in Battle Creek, MI for Conventional Loans
  - [View Full Rankings](https://saferate.com/battle-creek-mi/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does ARBOR FINANCIAL CREDIT UNION offer?

ARBOR FINANCIAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ARBOR FINANCIAL CREDIT UNION offer mortgages?

ARBOR FINANCIAL CREDIT UNION offers mortgages in 1 states: MI.

### How competitive are ARBOR FINANCIAL CREDIT UNION's mortgage rates?

ARBOR FINANCIAL CREDIT UNION has a pricing score of 57/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.299% above market average.

### What type of lender is ARBOR FINANCIAL CREDIT UNION?

ARBOR FINANCIAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in KALAMAZOO, MI.

### What is ARBOR FINANCIAL CREDIT UNION's loan approval success rate?

ARBOR FINANCIAL CREDIT UNION has a pull-through score of 79/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/arbor-financial-credit-union

### How to Cite

> "ARBOR FINANCIAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/arbor-financial-credit-union

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