HONDA Federal Credit Union in California vs the state
32.6%Denial rate+15.14 pts vs state
40.0%Decision denial rate+17.60 pts vs state
48.8%Origination rate-7.36 pts vs state
7.50%Median rate+0.88 pts vs state
7.03Rate spread (pts)+6.75 pts vs state
$132kMedian applicant income
21Loans originated
14Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 49 | 16.4% | 7.25% | #489 |
| 2024 | 58 | 37 | 19.0% | 8.00% | #509 |
| 2025 | 43 | 21 | 32.6% | 7.50% | #543 |
What HONDA Federal Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most HONDA Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 24 | 11 | 10 | 41.7% |
| Orange County | 7 | 2 | 2 | 28.6% |
| Riverside County | 6 | 4 | 1 | 16.7% |
| San Bernardino County | 6 | 4 | 1 | 16.7% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 43 applications in 2025, of which 21 were originated and 14 denied.
32.6% of all applications, or 40.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans HONDA Federal Credit Union originated in California in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are HONDA Federal Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology