Honor Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Honor Credit Union 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Honor Credit Union Edgewood Rd Berrien Springs, MI 49103 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,247 |
| Total Mortgage Loan Application Amount | $420,885,000 |
| Average Mortgage Loan Application Amount | $130,400 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $95,200 |
| Highest Applicant Income | $5,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Honor Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Honor Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Honor Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Honor Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Honor Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Honor Credit Union's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Berrien County Michigan | 1,174 | $ 146,790,000 | $ 125,000 | $ 101,000 |
| Van Buren County Michigan | 354 | $ 40,770,000 | $ 115,000 | $ 90,000 |
| Kalamazoo County Michigan | 304 | $ 40,950,000 | $ 134,000 | $ 103,000 |
| Marquette County Michigan | 243 | $ 22,675,000 | $ 93,000 | $ 79,000 |
| Cass County Michigan | 214 | $ 21,980,000 | $ 102,000 | $ 87,000 |
| Calhoun County Michigan | 174 | $ 13,220,000 | $ 75,000 | $ 93,000 |
| Allegan County Michigan | 139 | $ 14,455,000 | $ 103,000 | $ 90,000 |
| Branch County Michigan | 125 | $ 9,475,000 | $ 75,000 | $ 78,000 |
| Kent County Michigan | 45 | $ 6,305,000 | $ 140,000 | $ 122,000 |
| Barry County Michigan | 41 | $ 7,685,000 | $ 187,000 | $ 116,000 |
| St. Joseph County Indiana | 32 | $ 3,950,000 | $ 123,000 | $ 80,000 |
| Hillsdale County Michigan | 24 | $ 3,030,000 | $ 126,000 | $ 81,000 |
| Ottawa County Michigan | 20 | $ 3,860,000 | $ 193,000 | $ 115,000 |
| St. Joseph County Michigan | 19 | $ 1,935,000 | $ 101,000 | $ 86,000 |
| Muskegon County Michigan | 14 | $ 1,910,000 | $ 136,000 | $ 99,000 |
| Oakland County Michigan | 14 | $ 2,240,000 | $ 160,000 | $ 123,000 |
| Wayne County Michigan | 12 | $ 720,000 | $ 60,000 | $ 92,000 |
| LaPorte County Indiana | 11 | $ 2,805,000 | $ 255,000 | $ 127,000 |
| Lee County Florida | 7 | $ 1,595,000 | $ 227,000 | $ 146,000 |
| Elkhart County Indiana | 7 | $ 705,000 | $ 100,000 | $ 105,000 |
| Jackson County Michigan | 7 | $ 1,745,000 | $ 249,000 | $ 107,000 |
| Lake County Michigan | 7 | $ 645,000 | $ 92,000 | $ 93,000 |
| Grand Traverse County Michigan | 6 | $ 870,000 | $ 145,000 | $ 117,000 |
| Alger County Michigan | 5 | $ 505,000 | $ 101,000 | $ 76,000 |
| Eaton County Michigan | 5 | $ 615,000 | $ 123,000 | $ 89,000 |
| Livingston County Michigan | 5 | $ 1,195,000 | $ 239,000 | $ 183,000 |
| Mason County Michigan | 5 | $ 885,000 | $ 177,000 | $ 100,000 |
| Cherokee County Georgia | 4 | $ 840,000 | $ 210,000 | $ 239,000 |
| Cook County Illinois | 4 | $ 1,070,000 | $ 267,000 | $ 249,000 |
| DuPage County Illinois | 4 | $ 7,520,000 | $ 1,880,000 | $ 666,000 |
| Luce County Michigan | 4 | $ 440,000 | $ 110,000 | $ 112,000 |
| San Diego County California | 3 | $ 315,000 | $ 105,000 | $ 113,000 |
| Steuben County Indiana | 3 | $ 115,000 | $ 38,000 | $ 26,000 |
| Baraga County Michigan | 3 | $ 275,000 | $ 91,000 | $ 70,000 |
| Delta County Michigan | 3 | $ 225,000 | $ 75,000 | $ 276,000 |
| Dickinson County Michigan | 3 | $ 345,000 | $ 115,000 | $ 126,000 |
| Emmet County Michigan | 3 | $ 275,000 | $ 91,000 | $ 46,000 |
| Gogebic County Michigan | 3 | $ 325,000 | $ 108,000 | $ 79,000 |
| Ingham County Michigan | 3 | $ 185,000 | $ 61,000 | $ 62,000 |
| Iron County Michigan | 3 | $ 255,000 | $ 85,000 | $ 64,000 |
| Lenawee County Michigan | 3 | $ 215,000 | $ 71,000 | $ 46,000 |
| Lucas County Ohio | 3 | $ 545,000 | $ 181,000 | $ 86,000 |
| Hamilton County Tennessee | 3 | $ 355,000 | $ 118,000 | $ 67,000 |
| Oconto County Wisconsin | 3 | $ 645,000 | $ 215,000 | $ 117,000 |
| Mobile County Alabama | 2 | $ 470,000 | $ 235,000 | $ 97,000 |
| Washington County Arkansas | 2 | $ 810,000 | $ 405,000 | $ 500,000 |
| Hernando County Florida | 2 | $ 350,000 | $ 175,000 | $ 55,000 |
| Indian River County Florida | 2 | $ 470,000 | $ 235,000 | $ 131,000 |
| St. Lucie County Florida | 2 | $ 830,000 | $ 415,000 | $ 785,000 |
| Allen County Indiana | 2 | $ 250,000 | $ 125,000 | $ 99,000 |
| Antrim County Michigan | 2 | $ 1,010,000 | $ 505,000 | $ 184,000 |
| Chippewa County Michigan | 2 | $ 630,000 | $ 315,000 | $ 189,000 |
| Houghton County Michigan | 2 | $ 160,000 | $ 80,000 | $ 171,000 |
| Manistee County Michigan | 2 | $ 560,000 | $ 280,000 | $ 241,000 |
| Newaygo County Michigan | 2 | $ 40,000 | $ 20,000 | $ 26,000 |
| Washtenaw County Michigan | 2 | $ 310,000 | $ 155,000 | $ 150,000 |
| St. Louis County Missouri | 2 | $ 690,000 | $ 345,000 | $ 82,000 |
| Durham County North Carolina | 2 | $ 300,000 | $ 150,000 | $ 121,000 |
| Wake County North Carolina | 2 | $ 1,010,000 | $ 505,000 | $ 115,000 |
| Sumner County Tennessee | 2 | $ 110,000 | $ 55,000 | $ 117,000 |
| King County Washington | 2 | $ 310,000 | $ 155,000 | $ 238,000 |
| Hale County Alabama | 1 | $ 225,000 | $ 225,000 | $ 80,000 |
| Adams County Colorado | 1 | $ 395,000 | $ 395,000 | $ 200,000 |
| Denver County Colorado | 1 | $ 2,625,000 | $ 2,625,000 | $ 550,000 |
| Broward County Florida | 1 | $ 395,000 | $ 395,000 | $ 360,000 |
| Collier County Florida | 1 | $ 855,000 | $ 855,000 | $ 400,000 |
| Lake County Florida | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Orange County Florida | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Pinellas County Florida | 1 | $ 75,000 | $ 75,000 | $ 150,000 |
| Sarasota County Florida | 1 | $ 365,000 | $ 365,000 | $ 129,000 |
| Seminole County Florida | 1 | $ 135,000 | $ 135,000 | $ 235,000 |
| St. Johns County Florida | 1 | $ 325,000 | $ 325,000 | $ 213,000 |
| Sumter County Florida | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
| Volusia County Florida | 1 | $ 225,000 | $ 225,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 465,000 | $ 465,000 | $ 130,000 |
| Jones County Georgia | 1 | $ 245,000 | $ 245,000 | $ 114,000 |
| Stephens County Georgia | 1 | $ 175,000 | $ 175,000 | $ 54,000 |
| Iroquois County Illinois | 1 | $ 225,000 | $ 225,000 | $ 64,000 |
| Jefferson County Illinois | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Kankakee County Illinois | 1 | $ 45,000 | $ 45,000 | $ 118,000 |
| Whiteside County Illinois | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| DeKalb County Indiana | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Newton County Indiana | 1 | $ 155,000 | $ 155,000 | $ 64,000 |
| Parke County Indiana | 1 | $ 125,000 | $ 125,000 | $ 88,000 |
| Whitley County Indiana | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| Reno County Kansas | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Hopkins County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Jessamine County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 275,000 |
| Ascension County Louisiana | 1 | $ 205,000 | $ 205,000 | $ 43,000 |
| Calcasieu County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 183,000 |
| Frederick County Maryland | 1 | $ 385,000 | $ 385,000 | $ 102,000 |
| Montgomery County Maryland | 1 | $ 515,000 | $ 515,000 | $ 198,000 |
| Clare County Michigan | 1 | $ 145,000 | $ 145,000 | $ 136,000 |
| Genesee County Michigan | 1 | $ 5,000 | $ 5,000 | $ 65,000 |
| Keweenaw County Michigan | 1 | $ 45,000 | $ 45,000 | $ 130,000 |
| Lapeer County Michigan | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Leelanau County Michigan | 1 | $ 225,000 | $ 225,000 | $ 53,000 |
| Mackinac County Michigan | 1 | $ 55,000 | $ 55,000 | $ 93,000 |
| Mecosta County Michigan | 1 | $ 105,000 | $ 105,000 | $ 148,000 |
| Menominee County Michigan | 1 | $ 105,000 | $ 105,000 | $ 175,000 |
| Montcalm County Michigan | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Montmorency County Michigan | 1 | $ 135,000 | $ 135,000 | $ 109,000 |
| Ogemaw County Michigan | 1 | $ 135,000 | $ 135,000 | $ 133,000 |
| Otsego County Michigan | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| St. Clair County Michigan | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Wexford County Michigan | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Madison County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 120,000 |
| Santa Fe County New Mexico | 1 | $ 45,000 | $ 45,000 | $ 180,000 |
| Brunswick County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Chatham County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 111,000 |
| Craven County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 321,000 |
| Guilford County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Licking County Ohio | 1 | $ 115,000 | $ 115,000 | $ 135,000 |
| Miami County Ohio | 1 | $ 265,000 | $ 265,000 | $ 118,000 |
| Union County Ohio | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| Williams County Ohio | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| Cumberland County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Franklin County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Jefferson County Tennessee | 1 | $ 305,000 | $ 305,000 | $ 197,000 |
| Knox County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 106,000 |
| Monroe County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Montgomery County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Rutherford County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 164,000 |
| Shelby County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 40,000 |
| Chesterfield County Virginia | 1 | $ 745,000 | $ 745,000 | $ 210,000 |
| Snohomish County Washington | 1 | $ 255,000 | $ 255,000 | $ 81,000 |
| Manitowoc County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for Honor Credit Union in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 861 | $193,625,000 | $224,000 | $5,005,000 | $122,000 | $5,200,000 |
| Home Improvement | 850 | $57,130,000 | $67,000 | $955,000 | $94,000 | $996,000 |
| Other Purpose | 777 | $53,965,000 | $69,000 | $555,000 | $89,000 | $1,728,000 |
| Cash-out Refinancing | 555 | $89,365,000 | $161,000 | $2,505,000 | $93,000 | $966,000 |
| Refinancing | 204 | $26,800,000 | $131,000 | $1,125,000 | $78,000 | $380,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,607 | $325,215,000 | $124,000 | $5,005,000 | $99,000 | $5,200,000 |
| Not Provided | 318 | $36,820,000 | $115,000 | $615,000 | $100,000 | $1,728,000 |
| Black or African American | 122 | $10,900,000 | $89,000 | $375,000 | $96,000 | $1,716,000 |
| Hispanic | 91 | $12,425,000 | $136,000 | $2,625,000 | $87,000 | $550,000 |
| Not applicable | 53 | $25,655,000 | $484,000 | $3,745,000 | $65,000 | $65,000 |
| Asian | 32 | $7,670,000 | $239,000 | $725,000 | $154,000 | $400,000 |
| American Indian or Alaskan Native | 22 | $1,990,000 | $90,000 | $235,000 | $67,000 | $162,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $210,000 | $105,000 | $105,000 | $42,000 | $42,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,236 | $419,270,000 | $129,000 | $5,005,000 | $99,000 | $5,200,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,330,000 | $166,000 | $275,000 | $74,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $285,000 | $95,000 | $125,000 | $41,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,087 | $291,295,000 | $139,000 | $3,745,000 | $101,000 | $1,206,000 |
| Application Denied By Financial Institution | 483 | $35,635,000 | $73,000 | $705,000 | $69,000 | $1,716,000 |
| Application Withdrawn By Applicant | 472 | $74,110,000 | $157,000 | $5,005,000 | $123,000 | $5,200,000 |
| File Closed For Incompleteness | 182 | $18,090,000 | $99,000 | $685,000 | $86,000 | $1,122,000 |
| Application Approved But Not Accepted | 23 | $1,755,000 | $76,000 | $225,000 | $90,000 | $268,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,764 | $385,250,000 | $139,000 | $5,005,000 | $104,000 | $5,200,000 |
| Debt-To-Income Ratio | 213 | $16,135,000 | $75,000 | $405,000 | $45,000 | $223,000 |
| Credit History | 158 | $9,530,000 | $60,000 | $705,000 | $85,000 | $1,716,000 |
| Other | 46 | $4,690,000 | $101,000 | $515,000 | $93,000 | $363,000 |
| Collateral | 29 | $2,855,000 | $98,000 | $515,000 | $98,000 | $400,000 |
| Employment History | 29 | $1,765,000 | $60,000 | $215,000 | $79,000 | $426,000 |
| Unverifiable Information | 7 | $545,000 | $77,000 | $165,000 | $99,000 | $204,000 |
| Credit Application Incomplete | 1 | $115,000 | $115,000 | $115,000 | $92,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Honor Credit Union's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Honor Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.