Universal 1 Credit Union Inc. Mortgage Lending & HMDA Data, 2025
In 2025, Universal 1 Credit Union Inc. of Dayton, OH reported 327 mortgage applications totaling $31.4 million, up 16% from 2024. The average application was for $95,886, and applicants reported an average income of $112,082. 70% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Dayton-Springfield-Kettering, OH (168), Cincinnati, OH-KY-IN (19) and Columbus, OH (15) (applications in parentheses).
| Mortgage Company & Address | Universal 1 Credit Union Inc. P.O. Box 467 Dayton, OH 45409 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 327 |
| Total Mortgage Loan Application Amount | $31,355,000 |
| Average Mortgage Loan Application Amount | $95,886 |
| Highest Mortgage Loan Application Amount | $615,000 |
| Average Applicant Income | $112,082 |
| Highest Applicant Income | $3,660,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Universal 1 Credit Union Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Universal 1 Credit Union Inc. in 2025
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 127 | $9,995,000 | $78,000 | $405,000 | $105,000 | $480,000 |
| Home Improvement | 112 | $7,090,000 | $63,000 | $355,000 | $120,000 | $3,660,000 |
| Home Purchase | 47 | $9,365,000 | $199,000 | $615,000 | $120,000 | $1,248,000 |
| Refinancing | 34 | $3,870,000 | $113,000 | $575,000 | $111,000 | $300,000 |
| Cash-out Refinancing | 7 | $1,035,000 | $147,000 | $295,000 | $66,000 | $185,000 |
| 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 | 261 | $24,345,000 | $93,000 | $415,000 | $97,000 | $335,000 |
| Black or African American | 30 | $1,970,000 | $65,000 | $175,000 | $72,000 | $253,000 |
| Not Provided | 21 | $2,905,000 | $138,000 | $615,000 | $178,000 | $1,248,000 |
| Hispanic | 9 | $1,225,000 | $136,000 | $575,000 | $142,000 | $338,000 |
| American Indian or Alaskan Native | 3 | $215,000 | $71,000 | $105,000 | $1,263,000 | $3,660,000 |
| Asian | 3 | $695,000 | $231,000 | $365,000 | $158,000 | $201,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 322 | $30,580,000 | $94,000 | $615,000 | $113,000 | $3,660,000 |
| VA-guaranteed (Veterans Administration) | 3 | $555,000 | $185,000 | $285,000 | $64,000 | $110,000 |
| FHA-insured (Federal Housing Administration) | 2 | $220,000 | $110,000 | $135,000 | $40,000 | $42,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 228 | $21,550,000 | $94,000 | $405,000 | $104,000 | $338,000 |
| Application Withdrawn By Applicant | 67 | $6,335,000 | $94,000 | $615,000 | $155,000 | $3,660,000 |
| Application Denied By Financial Institution | 25 | $2,495,000 | $99,000 | $285,000 | $94,000 | $253,000 |
| Preapproval Approved but not Accepted | 3 | $385,000 | $128,000 | $245,000 | $53,000 | $99,000 |
| Preapproval Denied by Financial Institution | 2 | $350,000 | $175,000 | $205,000 | $56,000 | $64,000 |
| Application Approved But Not Accepted | 1 | $85,000 | $85,000 | $85,000 | $39,000 | $39,000 |
| File Closed For Incompleteness | 1 | $155,000 | $155,000 | $155,000 | $89,000 | $89,000 |
| Loan Purchased By The 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 | 300 | $28,510,000 | $95,000 | $615,000 | $114,000 | $3,660,000 |
| Debt-To-Income Ratio | 11 | $1,365,000 | $124,000 | $285,000 | $109,000 | $253,000 |
| Credit History | 10 | $640,000 | $64,000 | $205,000 | $54,000 | $104,000 |
| Collateral | 3 | $265,000 | $88,000 | $125,000 | $109,000 | $134,000 |
| Other | 2 | $340,000 | $170,000 | $275,000 | $164,000 | $192,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $235,000 | $235,000 | $235,000 | $78,000 | $78,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Universal 1 Credit Union Inc.'s 2025 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 Universal 1 Credit Union Inc.'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 Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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