Applications / Mortgage Analytics / Lenders / Michigan / Arbor Financial Credit Union
Kalamazoo, MI · Credit union · NCUA · $914 million assets · 758 loans in 2025
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758
loans originated, 2025
952
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Arbor Financial Credit Union is a Michigan credit union that ranked fifth in Kalamazoo-Portage with an unchanged 4.8% share, and its originations rose 8% to 758 in 2025, in line with similar lenders.
It ranked 5 of 281 lenders in Kalamazoo-Portage, where it has lent since 1993, behind Consumers Credit Union, Lake Michigan Credit Union, Rocket Mortgage and United Wholesale Mortgage; its share held at 4.8%. It also ranked 35 of 209 in Battle Creek, with a 0.6% share.
Originations rose 8%, against 7% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. They were 1,779 in 2020 and 1,921 in 2021. Purchases were 40.2% of its loans, other purposes 38.0% and refinances 21.6%.
Majority-minority areas took 2.2% of its loans, against 10.5% at similar lenders, lower than about four in five of them. It lends in one state, with Kalamazoo-Portage and non-metro Michigan its largest markets, and the make-up of those markets is one possible reason. Its share to LMI (low- and moderate-income) borrowers, 28.4%, was close to peers' 27.6%.
Its typical loan was $135,000, against $105,000 at similar lenders. Its denial rate on first-lien home-purchase applications was 2.3%, against 6.2%, lower than more than four in five peers.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Arbor Financial Credit Union took 952 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.2% · Other 38.0% · Refinance 21.6% · Not applicable 0.1%
Conventional 97.9% · FHA 2.1% · of 758 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Michigan | 757 | 99.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kalamazoo-Portage | 345 |
| Grand Rapids-Wyoming-Kentwood | 89 |
| Battle Creek | 19 |
| South Bend-Mishawaka | 14 |
| Lansing-East Lansing | 6 |
| Traverse City | 6 |
| Warren-Troy-Farmington Hills | 6 |
| Jackson | 4 |
| Muskegon-Norton Shores | 4 |
| Niles | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E5018DD89WPX79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 962096 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561708 | 1993–2017 |
Established 1 January 1935. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Arbor Financial Credit Union's data.
Arbor Financial Credit Union's data
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Arbor Financial Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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