Honor Credit Union
Honor Credit Union received 2,499 applications in 2025 and made 1,586 mortgages, in 95 counties across 18 states. The median rate its borrowers got was 7.250% on a median loan of $105,000. Of 2,115 decisions, 477 were denials — 22.6%, most often for debt-to-income ratio. 35 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900V9842QPBGIO804 |
|---|---|
| Applications received | 2,499 |
| Mortgages made | 1,586 |
| Denied | 477 |
| Approved, not taken up | 52 |
| Withdrawn or incomplete | 384 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.3895 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 557 | 6.500% | $205,000 | 8.5% |
| Refinancing | 59 | 6.375% | $135,000 | 15.3% |
| Cash-out refinancing | 226 | 7.250% | $130,000 | 26.6% |
| Other purposes | 744 | 7.500% | $55,000 | 29.9% |
Where Honor Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Berrien County, MI | 562 | 7.250% | 18.5% |
| Van Buren County, MI | 196 | 7.250% | 27.7% |
| Marquette County, MI | 157 | 7.250% | 15.5% |
| Kalamazoo County, MI | 122 | 7.250% | 20.7% |
| Cass County, MI | 106 | 7.250% | 27.0% |
| Calhoun County, MI | 86 | 7.250% | 36.0% |
| Branch County, MI | 60 | 7.438% | 21.5% |
| Allegan County, MI | 46 | 7.250% | 35.6% |
| Kent County, MI | 26 | 7.375% | 34.2% |
| Ottawa County, MI | 19 | 7.500% | 29.6% |
| Barry County, MI | 18 | 7.063% | 20.8% |
| Hillsdale County, MI | 15 | 8.000% | 31.8% |
| St. Joseph County, IN | 14 | 7.250% | 25.0% |
| St. Joseph County, MI | 11 | 7.250% | 20.0% |
| LaPorte County, IN | 7 | Under 10 loans | 22.2% |
| Lake County, MI | 6 | Under 10 loans | 0.0% |
| Dickinson County, MI | 5 | Under 10 loans | 0.0% |
| Oakland County, MI | 5 | Under 10 loans | 37.5% |
| Alger County, MI | 4 | Under 10 loans | 37.5% |
| Wayne County, MI | 4 | Under 10 loans | 33.3% |
| Wexford County, MI | 4 | Under 10 loans | 0.0% |
| Craighead County, AR | 3 | Under 10 loans | 0.0% |
| Hernando County, FL | 3 | Under 10 loans | 0.0% |
| Cook County, IL | 3 | Under 10 loans | 0.0% |
| DuPage County, IL | 3 | Under 10 loans | 0.0% |
| Delta County, MI | 3 | Under 10 loans | 0.0% |
| Houghton County, MI | 3 | Under 10 loans | 0.0% |
| Muskegon County, MI | 3 | Under 10 loans | 40.0% |
| Elkhart County, IN | 2 | Under 10 loans | 0.0% |
| Chippewa County, MI | 2 | Under 10 loans | 33.3% |
| Jackson County, MI | 2 | Under 10 loans | 25.0% |
| Macomb County, MI | 2 | Under 10 loans | 0.0% |
| Newaygo County, MI | 2 | Under 10 loans | 0.0% |
| Otsego County, MI | 2 | Under 10 loans | 0.0% |
| Tuscola County, MI | 2 | Under 10 loans | 33.3% |
| Brunswick County, NC | 2 | Under 10 loans | 0.0% |
| Morgan County, AL | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Will County, IL | 1 | Under 10 loans | 0.0% |
| Lake County, IN | 1 | Under 10 loans | 0.0% |
| Porter County, IN | 1 | Under 10 loans | 0.0% |
| Steuben County, IN | 1 | Under 10 loans | 0.0% |
| Kenton County, KY | 1 | Under 10 loans | 0.0% |
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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.