Honor Credit Union mortgage approval rate & lending review
Honor Credit Union decided 3,237 mortgage applications and funded 2,467 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Honor Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Honor Credit Union at a glance
Approval is 6.1 points above the 73.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 962 / 1,058 | 98% | $215K | 943 |
| Home improvement loans | 75% | 947 / 1,268 | 95% | $45K | 901 |
| Cash-out refinance | 69% | 348 / 501 | 96% | $125K | 334 |
| Refinance | 80% | 86 / 108 | 92% | $125K | 79 |
| Investment property purchase | 89% | 126 / 142 | 94% | $185K | 119 |
| Investment cash-out refinance | 56% | 25 / 45 | 100% | $105K | 25 |
| Investment home improvement | 57% | 62 / 108 | 97% | $105K | 60 |
Honor Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 79% | $125K | 3,051 | 2,317 |
| Indiana | 78% | $145K | 94 | 71 |
| Florida | 93% | $205K | 27 | 25 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Honor Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Berrien County, MI | Mortgage lenders | 93% | 602 | 545 |
| Berrien County, MI | Home improvement loans | 76% | 701 | 511 |
| Berrien County, MI | Cash-out refinance | 74% | 283 | 200 |
| Kalamazoo County, MI | Mortgage lenders | 94% | 146 | 136 |
| Calhoun County, MI | Home improvement loans | 72% | 172 | 116 |
| Kalamazoo County, MI | Home improvement loans | 79% | 149 | 110 |
| Calhoun County, MI | Mortgage lenders | 83% | 105 | 86 |
| Berrien County, MI | Investment property purchase | 90% | 72 | 61 |
| Allegan County, MI | Home improvement loans | 65% | 95 | 59 |
| Allegan County, MI | Mortgage lenders | 80% | 61 | 48 |
| Berrien County, MI | Refinance | 81% | 58 | 44 |
| Kalamazoo County, MI | Cash-out refinance | 63% | 67 | 41 |
The county markets where Honor Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Honor Credit Union
What is Honor Credit Union's mortgage approval rate?
Honor Credit Union approved 79.1% of the 3,237 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.1 points above the 73.0% national rate for the same mix of loan types.
How often do borrowers take the loan Honor Credit Union offers?
Borrowers accepted 96% of the loans Honor Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Honor Credit Union make?
The typical home improvement loan loan Honor Credit Union made was $45K; across all loan types its typical loan ran from $45K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Honor Credit Union lend?
Honor Credit Union decided applications in 24 of the states Fat Boy Data covers, most of them in Michigan, Indiana and Florida.
Can I apply to Honor Credit Union directly?
Yes. Honor Credit Union is a bank or credit union with 28 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Honor Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Honor Credit Union treats applications, then get a rate quote from the lender.