HONDA Federal Credit Union
HONDA Federal Credit Union received 762 applications in 2025 and made 420 mortgages, in 130 counties across 27 states. The median rate its borrowers got was 7.250% on a median loan of $85,000. Of 580 decisions, 160 were denials — 27.6%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300VBY3NBKUNMKL64 |
|---|---|
| Applications received | 762 |
| Mortgages made | 420 |
| Denied | 160 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 182 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 5.9445 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 | 73 | 6.625% | $205,000 | 31.8% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 85.2% |
| Cash-out refinancing | 319 | 7.500% | $65,000 | 23.7% |
| Other purposes | 24 | 7.250% | $75,000 | 14.3% |
Where HONDA Federal 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 |
|---|---|---|---|
| Union County, OH | 67 | 7.250% | 14.1% |
| Logan County, OH | 54 | 7.750% | 28.0% |
| Champaign County, OH | 30 | 7.125% | 16.7% |
| Shelby County, OH | 23 | 7.250% | 17.9% |
| Franklin County, OH | 21 | 7.250% | 25.0% |
| Auglaize County, OH | 18 | 7.625% | 25.0% |
| Delaware County, OH | 17 | 7.250% | 22.7% |
| Decatur County, IN | 12 | 7.375% | 7.7% |
| Los Angeles County, CA | 11 | 7.250% | 47.6% |
| Hardin County, OH | 11 | 7.250% | 26.7% |
| Allen County, OH | 8 | Under 10 loans | 33.3% |
| Clark County, OH | 8 | Under 10 loans | 42.9% |
| Calhoun County, AL | 7 | Under 10 loans | 36.4% |
| Etowah County, AL | 7 | Under 10 loans | 36.4% |
| Talladega County, AL | 6 | Under 10 loans | 66.7% |
| Marion County, OH | 6 | Under 10 loans | 25.0% |
| Franklin County, IN | 5 | Under 10 loans | 28.6% |
| Alamance County, NC | 5 | Under 10 loans | 0.0% |
| St. Clair County, AL | 4 | Under 10 loans | 50.0% |
| Riverside County, CA | 4 | Under 10 loans | 20.0% |
| San Bernardino County, CA | 4 | Under 10 loans | 20.0% |
| Cherokee County, GA | 4 | Under 10 loans | 0.0% |
| Guilford County, NC | 4 | Under 10 loans | 33.3% |
| Madison County, OH | 4 | Under 10 loans | 42.9% |
| Mercer County, OH | 4 | Under 10 loans | 33.3% |
| Miami County, OH | 4 | Under 10 loans | 33.3% |
| Montgomery County, OH | 4 | Under 10 loans | 0.0% |
| Shelby County, AL | 3 | Under 10 loans | 0.0% |
| Florence County, SC | 3 | Under 10 loans | 57.1% |
| Jefferson County, AL | 2 | Under 10 loans | 60.0% |
| Orange County, CA | 2 | Under 10 loans | 50.0% |
| Hancock County, IN | 2 | Under 10 loans | 0.0% |
| Marion County, IN | 2 | Under 10 loans | 60.0% |
| Ripley County, IN | 2 | Under 10 loans | 0.0% |
| Shelby County, IN | 2 | Under 10 loans | 0.0% |
| St. Charles County, MO | 2 | Under 10 loans | 0.0% |
| Davie County, NC | 2 | Under 10 loans | 33.3% |
| Fairfield County, OH | 2 | Under 10 loans | 0.0% |
| Licking County, OH | 2 | Under 10 loans | 33.3% |
| Darlington County, SC | 2 | Under 10 loans | 0.0% |
| Dallas County, TX | 2 | Under 10 loans | 0.0% |
| Colbert County, AL | 1 | Under 10 loans | 0.0% |
| Marshall County, AL | 1 | Under 10 loans | 50.0% |
| Mobile County, AL | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Douglas County, CO | 1 | Under 10 loans | 0.0% |
| South Central Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Suwannee County, FL | 1 | Under 10 loans | 0.0% |
| Dearborn County, IN | 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.