# Arbor Bank

> **Canonical URL:** https://saferate.com/lenders/arbor-bank

> **📋 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 Bank is a bank, headquartered in Nebraska City, NE, serving borrowers across 14 states, with 256 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 17% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930099BVD0E448JX38
- **Headquarters:** Nebraska City, NE
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** AZ, FL, GA, IA, IL, IN, KS, MN, MO, MT, NE, PA, SC, TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.081%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $847
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 256
- **Dollar Volume:** $79 million
- **Applications Received:** 310
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $308,789
- **Average Borrower Income:** $150,852

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 215 | +0.073% | $867 | Sound ☺️ |
| FHA | 55/100 | 21 | +0.441% | $1,315 | Sound ☺️ |
| VA | 60/100 | 16 | -0.340% | $-19 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 178 loans, Score: 52/100 (Sound)
- Refinance: 37 loans, Score: 51/100 (Sound)

**FHA:**
- Purchase: 21 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 218 | $68M | +0.074% | Sound ☺️ |
| Refinance | 50/100 | 38 | $11M | +0.128% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NE | 195 | 0.91% | 80/100 |
| IA | 34 | 0.10% | 55/100 |
| MN | 11 | 0.02% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Omaha, NE | NE-IA | 187 | 84/100 |
| Non |  | 43 | 44/100 |
| Minneapolis | MN-WI | 11 | 43/100 |

## Frequently Asked Questions

### What loan types does Arbor Bank offer?

Arbor Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Arbor Bank offer mortgages?

Arbor Bank offers mortgages in 14 states: AZ, FL, GA, IA, IL, IN, KS, MN, MO, MT, NE, PA, SC, TX.

### How competitive are Arbor Bank's mortgage rates?

Arbor Bank has a pricing score of 83/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.081% above market average.

### What type of lender is Arbor Bank?

Arbor Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Nebraska City, NE.

### What is Arbor Bank's loan approval success rate?

Arbor Bank has a pull-through score of 71/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/arbor-bank

### How to Cite

> "Arbor Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/arbor-bank

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