Honor Bank
Honor Bank received 128 applications in 2025 and made 80 mortgages, in 14 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $240,000. Of 88 decisions, 8 were denials — 9.1%.
| Legal Entity Identifier | 98450089CFE04ED8C818 |
|---|---|
| Applications received | 128 |
| Mortgages made | 80 |
| Denied | 8 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 40 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Honor Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 57 | Not published | $225,000 | 8.1% |
| Refinancing | 10 | Not published | $255,000 | 9.1% |
| Cash-out refinancing | 10 | Not published | $205,000 | 9.1% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 25.0% |
Where Honor Bank lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Grand Traverse County, MI | 29 | Not published | 6.5% |
| Benzie County, MI | 16 | Not published | 5.9% |
| Leelanau County, MI | 10 | Not published | 0.0% |
| Manistee County, MI | 7 | Under 10 loans | 12.5% |
| Wexford County, MI | 5 | Under 10 loans | 28.6% |
| Charlevoix County, MI | 3 | Under 10 loans | 25.0% |
| Emmet County, MI | 3 | Under 10 loans | 0.0% |
| Kalkaska County, MI | 3 | Under 10 loans | 0.0% |
| Cheboygan County, MI | 1 | Under 10 loans | 0.0% |
| Chippewa County, MI | 1 | Under 10 loans | 0.0% |
| Mason County, MI | 1 | Under 10 loans | 50.0% |
| Montmorency County, MI | 1 | Under 10 loans | 0.0% |
| Antrim County, MI | 0 | Under 10 loans | Not published |
| Oakland County, MI | 0 | Under 10 loans | Not published |
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When Honor Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.