Applications / Mortgage Analytics / Lenders / California / Honda Federal Credit Union
Torrance, CA · Credit union · NCUA · $1.2 billion assets · 420 loans in 2025
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420
loans originated, 2025
765
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Honda Federal Credit Union has its head office in California but does most of its lending in Ohio, and in 2025 its originations fell 34% while similar lenders grew.
Its head office is in Torrance, but Ohio is its main lending state, and it lends in 17 states. Refinances made up 76.9% of its loans, all conventional. Its typical loan, $85,000, was smaller than the $105,000 at similar lenders (credit unions making between half and twice as many loans).
Originations fell 34% to 420; similar lenders grew 7%. Its fall was larger than at almost every peer. Five years earlier it made 1,421 loans, when its typical rate was 3.25%. A lender that mostly refinances may see its volume move with rates, though the public data do not explain the latest fall.
In Columbus its share eased from 0.2% to 0.1%, ranking it 154 of 596 in a market The Huntington National Bank leads. Its smaller total volume may account for that. In 2025 it made its first loans in St. Louis, Florence-Muscle Shoals and Hammond, each a tiny presence.
Low- and moderate-income (LMI) borrowers took 22.5% of its loans, against 27.5% at similar lenders, a lower share than at about seven in ten. A refinance book weighted to existing homeowners, or the incomes of its members, may explain the gap.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Honda Federal Credit Union took 765 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 76.9% · Purchase 17.4% · Home improvement 5.7%
Conventional 100.0% · of 420 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 296 | 70.5% |
| Alabama | 32 | 7.6% |
| Indiana | 30 | 7.1% |
| California | 21 | 5.0% |
| North Carolina | 15 | 3.6% |
| South Carolina | 8 | 1.9% |
| Georgia | 4 | 1.0% |
| Texas | 3 | 0.7% |
| Florida | 2 | 0.5% |
| Missouri | 2 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 116 |
| Los Angeles-Long Beach-Glendale | 11 |
| Birmingham | 9 |
| Cincinnati | 8 |
| Dayton-Kettering-Beavercreek | 8 |
| Lima | 8 |
| Riverside-San Bernardino-Ontario | 8 |
| Springfield | 8 |
| Anniston-Oxford | 7 |
| Gadsden | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VBY3NBKUNMKL64 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 453286 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 517623 | 1993–2017 |
Established 1 January 1966. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Honda Federal Credit Union's data.
Honda Federal Credit Union's data
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Honda Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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