Universal 1 Credit Union Inc. Mortgage Lending & HMDA Data, 2009
In 2009, Universal 1 Credit Union Inc. of Dayton, OH reported 179 mortgage applications totaling $14.7 million, down 34% from 2008. The average application was for $82,044, and applicants reported an average income of $64,245. 70% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Dayton, OH (75), Columbus, OH (12) and Cincinnati-Middletown, OH-KY-IN (8) (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 | 179 |
| Total Mortgage Loan Application Amount | $14,686,000 |
| Average Mortgage Loan Application Amount | $82,044 |
| Highest Mortgage Loan Application Amount | $319,000 |
| Average Applicant Income | $64,245 |
| Highest Applicant Income | $223,000 |
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records Universal 1 Credit Union Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery, Ohio | 51 | $ 3,882,000 | $ 76,117 | $ 73,000 |
| Greene, Ohio | 19 | $ 2,361,000 | $ 124,263 | $ 94,000 |
| Clark, Ohio | 6 | $ 330,000 | $ 55,000 | $ 65,000 |
| Warren, Ohio | 6 | $ 490,000 | $ 81,666 | $ 72,000 |
| Miami, Ohio | 5 | $ 366,000 | $ 73,200 | $ 55,000 |
| Pickaway, Ohio | 5 | $ 392,000 | $ 78,400 | $ 74,000 |
| Delaware, Ohio | 4 | $ 456,000 | $ 114,000 | $ 104,000 |
| Butler, Ohio | 2 | $ 88,000 | $ 44,000 | $ 15,000 |
| Licking, Ohio | 2 | $ 281,000 | $ 140,500 | $ 64,000 |
| Nassau, New York | 1 | $ 319,000 | $ 319,000 | $ 112,000 |
| Franklin, Ohio | 1 | $ 80,000 | $ 80,000 | $ 47,000 |
| Horry, South Carolina | 1 | $ 146,000 | $ 146,000 | $ 115,000 |
| Loudon, Tennessee | 1 | $ 200,000 | $ 200,000 | $ 223,000 |
Mortgage Loan Application Detail Totals for Universal 1 Credit Union Inc. in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 94 | $9,744,000 | $103,000 | $319,000 | $77,000 | $223,000 |
| Home Purchase | 66 | $4,598,000 | $69,000 | $275,000 | $45,000 | $188,000 |
| Home Improvement | 19 | $344,000 | $18,000 | $55,000 | $68,000 | $160,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 136 | $13,043,000 | $95,000 | $319,000 | $67,000 | $223,000 |
| White | 40 | $1,514,000 | $37,000 | $159,000 | $53,000 | $136,000 |
| Black or African American | 3 | $129,000 | $43,000 | $115,000 | $96,000 | $168,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 179 | $14,686,000 | $82,000 | $319,000 | $64,000 | $223,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 125 | $10,848,000 | $86,000 | $319,000 | $75,000 | $223,000 |
| Preapproval Denied by Financial Institution | 43 | $3,213,000 | $74,000 | $275,000 | $40,000 | $188,000 |
| Application Denied By Financial Institution | 11 | $625,000 | $56,000 | $150,000 | $37,000 | $101,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Employment History | 1 | $21,000 | $21,000 | $21,000 | $20,000 | $20,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $34,000 | $34,000 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Universal 1 Credit Union Inc.'s 2009 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.
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