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 score and performance metrics.

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 an overall pricing score of 57.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Arbor Financial Credit Union?

Arbor Financial Credit Union is a Credit Union headquartered in KALAMAZOO, MI.

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Arbor Financial Credit Union

Credit Union•Kalamazoo, MIHQ•Direct•Reviews near you on Google

Arbor Financial Credit Union has 316 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional

Place

Strong

4/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

Arbor Financial Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+29.9 bps above market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

309 loans · 0.29% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

264 loans · 0.25% above market

Strong

Top 40% of lenders

4/5

Refinance

52 loans · 0.53% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 4 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Sound	Strong	309	97.8%	+0.287%Above	$1,500Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume309

Mix97.8%

Spread

+0.287%Above

Fees

$1,500Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Sound	Strong	264	83.5%	+0.251%Above	$1,528Fees
Refinance	Sound	Sound	Sound	Strong	52	16.5%	+0.530%Above	$1,385Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume264

Mix83.5%

Spread

+0.251%Above

Fees

$1,528Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume52

Mix16.5%

Spread

+0.530%Above

Fees

$1,385Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

316

Applications

389

Volume

$79 million

Pricing & Closing

Avg Rate Spread

+0.299%

vs. market APOR

Avg Net Fees

$1,504

Origination − Credits

Pullthrough Rate

81.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$251,867

Avg Borrower Income

$128,896

Avg Property Value

$344,684

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest1

Top Metro Areas by Place Specialization Score

Kalamazoo, MIMetro

Volume 166Mix 52.53% of portfolio

89/100

Exceptional

Grand Rapids, MIMetro

Volume 29Mix 9.18% of portfolio

55/100

Sound

Battle Creek, MIMetro

Volume 14Mix 4.43% of portfolio

51/100

Sound

Top States by Place Specialization Score

MichiganState

Volume 316Mix 100.00% of portfolio

78/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.