Lenders › Honda Federal Credit Union › Ohio
Honda Federal Credit Union in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Honda Federal Credit Union's 2024 HMDA record for Ohio covers 600 applications, 436 of them originated, worth $50m.
Its denial rate in the state was 15.1%, below the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 16.4%.
The median rate spread on its Ohio originations was 1.8 percentage points (state median 0.5).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | Honda Federal Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 15.1% | 23.5% | 16.4% | 24.3% |
| Median rate spread, pp | 1.8 | 0.5 | 1.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 55.1% | 17.7% | 52.2% | 15.6% |
| Average originated loan | $114k | $218k | $125k | $329k |
| Home purchase share | 20.0% | 51.7% | 23.6% | 57.0% |
| FHA-insured share | 0.0% | 12.3% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 5.9% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 20% (87)Home improvement 4% (19)Refinancing 1% (4)Cash-out refinancing 75% (326)
By type
Conventional 100% (436)
Denial reasons as coded
Share of 78 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Logan County | 128 | 94 | $8.0m | 13.8% |
| Union County | 127 | 88 | $11m | 21.4% |
| Franklin County | 64 | 47 | $7.3m | 11.3% |
| Champaign County | 41 | 32 | $2.7m | 13.5% |
| Shelby County | 37 | 31 | $3.9m | 6.1% |
| Delaware County | 35 | 27 | $3.4m | 10.0% |
| Auglaize County | 29 | 21 | $2.6m | 16.0% |
| Hardin County | 27 | 19 | $1.8m | — |
| Marion County | 25 | 17 | $2.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Honda Federal Credit Union originate in Ohio in 2024?
436 loans totalling $50m, from 600 applications reported for properties in Ohio.
What is Honda Federal Credit Union's denial rate in Ohio?
15.1% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 16.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Ohio counties does Honda Federal Credit Union lend in most?
By originations: Logan County (94), Union County (88), Franklin County (47), Champaign County (32), Shelby County (31).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.