Universal 1 Credit Union Inc. Mortgage Lending & HMDA Data, 2012
In 2012, Universal 1 Credit Union Inc. of Dayton, OH reported 374 mortgage applications totaling $38.9 million, down 15% from 2011. The average application was for $103,879, and applicants reported an average income of $66,951. 53% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Dayton, OH (205), Cincinnati-Middletown, OH-KY-IN (15) 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 | 374 |
| Total Mortgage Loan Application Amount | $38,851,000 |
| Average Mortgage Loan Application Amount | $103,879 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $66,951 |
| Highest Applicant Income | $518,000 |
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records Universal 1 Credit Union Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 135 | $ 13,871,000 | $ 102,748 | $ 63,000 |
| Greene, Ohio | 52 | $ 6,936,000 | $ 133,384 | $ 88,000 |
| Shelby, Ohio | 32 | $ 2,793,000 | $ 87,281 | $ 49,000 |
| Miami, Ohio | 16 | $ 1,660,000 | $ 103,750 | $ 74,000 |
| Ross, Ohio | 15 | $ 1,353,000 | $ 90,200 | $ 52,000 |
| Warren, Ohio | 11 | $ 1,259,000 | $ 114,454 | $ 76,000 |
| Clark, Ohio | 9 | $ 885,000 | $ 98,333 | $ 58,000 |
| Pickaway, Ohio | 8 | $ 800,000 | $ 100,000 | $ 79,000 |
| Gwinnett, Georgia | 3 | $ 341,000 | $ 113,666 | $ 96,000 |
| Clinton, Ohio | 3 | $ 277,000 | $ 92,333 | $ 56,000 |
| Highland, Ohio | 3 | $ 177,000 | $ 59,000 | $ 50,000 |
| Union, Ohio | 3 | $ 333,000 | $ 111,000 | $ 47,000 |
| Monroe, Georgia | 2 | $ 90,000 | $ 45,000 | $ 95,000 |
| Auglaize, Ohio | 2 | $ 234,000 | $ 117,000 | $ 57,000 |
| Butler, Ohio | 2 | $ 324,000 | $ 162,000 | $ 94,000 |
| Darke, Ohio | 2 | $ 154,000 | $ 77,000 | $ 57,000 |
| Licking, Ohio | 2 | $ 158,000 | $ 79,000 | $ 127,000 |
| Pike, Ohio | 2 | $ 127,000 | $ 63,500 | $ 46,000 |
| Preble, Ohio | 2 | $ 239,000 | $ 119,500 | $ 94,000 |
| Los Angeles, California | 1 | $ 314,000 | $ 314,000 | $ 160,000 |
| Coweta, Georgia | 1 | $ 108,000 | $ 108,000 | $ 70,000 |
| Hall, Georgia | 1 | $ 81,000 | $ 81,000 | $ 93,000 |
| Laurel, Kentucky | 1 | $ 142,000 | $ 142,000 | $ 74,000 |
| Champaign, Ohio | 1 | $ 81,000 | $ 81,000 | $ 77,000 |
| Clermont, Ohio | 1 | $ 122,000 | $ 122,000 | $ 97,000 |
| Defiance, Ohio | 1 | $ 27,000 | $ 27,000 | $ 120,000 |
| Delaware, Ohio | 1 | $ 110,000 | $ 110,000 | $ 63,000 |
| Fayette, Ohio | 1 | $ 54,000 | $ 54,000 | $ 35,000 |
| Franklin, Ohio | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Hamilton, Ohio | 1 | $ 120,000 | $ 120,000 | $ 150,000 |
| Knox, Ohio | 1 | $ 70,000 | $ 70,000 | $ 70,000 |
| Logan, Ohio | 1 | $ 141,000 | $ 141,000 | $ 64,000 |
| Muskingum, Ohio | 1 | $ 38,000 | $ 38,000 | $ 73,000 |
| Scioto, Ohio | 1 | $ 48,000 | $ 48,000 | $ 66,000 |
| Lexington, South Carolina | 1 | $ 108,000 | $ 108,000 | $ 105,000 |
| York, South Carolina | 1 | $ 300,000 | $ 300,000 | $ 155,000 |
| Loudon, Tennessee | 1 | $ 200,000 | $ 200,000 | $ 153,000 |
| Hays, Texas | 1 | $ 217,000 | $ 217,000 | $ 90,000 |
| Cache, Utah | 1 | $ 150,000 | $ 150,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Universal 1 Credit Union Inc. in 2012
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 | 220 | $22,585,000 | $102,000 | $400,000 | $72,000 | $518,000 |
| Home Purchase | 135 | $13,271,000 | $98,000 | $333,000 | $59,000 | $176,000 |
| Home Improvement | 19 | $2,995,000 | $157,000 | $2,000,000 | $65,000 | $166,000 |
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 |
|---|---|---|---|---|---|---|
| White | 264 | $28,980,000 | $109,000 | $2,000,000 | $66,000 | $290,000 |
| Not Provided | 77 | $6,752,000 | $87,000 | $202,000 | $66,000 | $195,000 |
| Black or African American | 23 | $2,027,000 | $88,000 | $280,000 | $55,000 | $133,000 |
| Asian | 4 | $627,000 | $156,000 | $308,000 | $184,000 | $518,000 |
| Hispanic | 3 | $237,000 | $79,000 | $141,000 | $68,000 | $121,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $166,000 | $83,000 | $93,000 | $59,000 | $83,000 |
| American Indian or Alaskan Native | 1 | $62,000 | $62,000 | $62,000 | $22,000 | $22,000 |
| 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) | 347 | $36,053,000 | $103,000 | $2,000,000 | $68,000 | $518,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,529,000 | $105,000 | $227,000 | $60,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $269,000 | $89,000 | $94,000 | $30,000 | $39,000 |
| 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 | 200 | $21,949,000 | $109,000 | $2,000,000 | $71,000 | $518,000 |
| Application Denied By Financial Institution | 77 | $6,481,000 | $84,000 | $227,000 | $52,000 | $160,000 |
| Application Approved But Not Accepted | 45 | $4,977,000 | $110,000 | $333,000 | $74,000 | $149,000 |
| Application Withdrawn By Applicant | 43 | $4,667,000 | $108,000 | $400,000 | $68,000 | $243,000 |
| File Closed For Incompleteness | 8 | $739,000 | $92,000 | $189,000 | $61,000 | $139,000 |
| Preapproval Denied by Financial Institution | 1 | $38,000 | $38,000 | $38,000 | $41,000 | $41,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval 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 |
|---|---|---|---|---|---|---|
| Credit History | 16 | $1,266,000 | $79,000 | $162,000 | $66,000 | $160,000 |
| Debt-To-Income Ratio | 16 | $1,582,000 | $98,000 | $167,000 | $49,000 | $150,000 |
| Other | 15 | $1,332,000 | $88,000 | $227,000 | $49,000 | $103,000 |
| Collateral | 7 | $538,000 | $76,000 | $166,000 | $50,000 | $81,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $290,000 | $58,000 | $84,000 | $33,000 | $62,000 |
| Mortgage Insurance Denied | 3 | $366,000 | $122,000 | $165,000 | $75,000 | $120,000 |
| 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 2012 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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