Universal 1 Credit Union Inc. Mortgage Lending & HMDA Data, 2015
In 2015, Universal 1 Credit Union Inc. of Dayton, OH reported 177 mortgage applications totaling $15.6 million, down 39% from 2014. The average application was for $88,378, and applicants reported an average income of $68,327. 80% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Dayton, OH (98), Columbus, OH (9) and Cincinnati, 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 | 177 |
| Total Mortgage Loan Application Amount | $15,643,000 |
| Average Mortgage Loan Application Amount | $88,378 |
| Highest Mortgage Loan Application Amount | $333,000 |
| Average Applicant Income | $68,327 |
| Highest Applicant Income | $307,000 |
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records Universal 1 Credit Union Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 70 | $ 5,698,000 | $ 81,400 | $ 62,000 |
| Shelby, Ohio | 22 | $ 1,514,000 | $ 68,818 | $ 59,000 |
| Greene, Ohio | 15 | $ 1,373,000 | $ 91,533 | $ 92,000 |
| Miami, Ohio | 13 | $ 1,486,000 | $ 114,307 | $ 78,000 |
| Warren, Ohio | 7 | $ 753,000 | $ 107,571 | $ 64,000 |
| Clark, Ohio | 6 | $ 518,000 | $ 86,333 | $ 88,000 |
| Auglaize, Ohio | 4 | $ 311,000 | $ 77,750 | $ 45,000 |
| Ross, Ohio | 4 | $ 475,000 | $ 118,750 | $ 81,000 |
| Franklin, Ohio | 3 | $ 538,000 | $ 179,333 | $ 73,000 |
| Licking, Ohio | 3 | $ 372,000 | $ 124,000 | $ 73,000 |
| Champaign, Ohio | 2 | $ 84,000 | $ 42,000 | $ 71,000 |
| Highland, Ohio | 2 | $ 127,000 | $ 63,500 | $ 58,000 |
| Logan, Ohio | 2 | $ 257,000 | $ 128,500 | $ 64,000 |
| Pickaway, Ohio | 2 | $ 232,000 | $ 116,000 | $ 71,000 |
| Preble, Ohio | 2 | $ 84,000 | $ 42,000 | $ 69,000 |
| Citrus, Florida | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Palm Beach, Florida | 1 | $ 36,000 | $ 36,000 | $ 36,000 |
| Cherokee, Georgia | 1 | $ 164,000 | $ 164,000 | $ 130,000 |
| Fayette, Georgia | 1 | $ 132,000 | $ 132,000 | $ 50,000 |
| Fulton, Georgia | 1 | $ 285,000 | $ 285,000 | $ 232,000 |
| Gwinnett, Georgia | 1 | $ 3,000 | $ 3,000 | $ 53,000 |
| Allen, Ohio | 1 | $ 93,000 | $ 93,000 | $ 28,000 |
| Butler, Ohio | 1 | $ 65,000 | $ 65,000 | $ 59,000 |
| Darke, Ohio | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Fayette, Ohio | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Hocking, Ohio | 1 | $ 72,000 | $ 72,000 | $ 104,000 |
| Lake, Ohio | 1 | $ 116,000 | $ 116,000 | $ 27,000 |
| Meigs, Ohio | 1 | $ 91,000 | $ 91,000 | $ 84,000 |
| Scioto, Ohio | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Van Wert, Ohio | 1 | $ 65,000 | $ 65,000 | $ 135,000 |
| York, South Carolina | 1 | $ 128,000 | $ 128,000 | $ 82,000 |
| Campbell, Tennessee | 1 | $ 100,000 | $ 100,000 | $ 116,000 |
| Bexar, Texas | 1 | $ 88,000 | $ 88,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for Universal 1 Credit Union Inc. in 2015
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 | 95 | $7,525,000 | $79,000 | $242,000 | $62,000 | $197,000 |
| Home Purchase | 62 | $7,278,000 | $117,000 | $333,000 | $72,000 | $232,000 |
| Home Improvement | 20 | $840,000 | $42,000 | $100,000 | $87,000 | $307,000 |
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 | 122 | $10,603,000 | $86,000 | $333,000 | $68,000 | $307,000 |
| Not Provided | 40 | $4,208,000 | $105,000 | $327,000 | $76,000 | $232,000 |
| Black or African American | 11 | $600,000 | $54,000 | $110,000 | $33,000 | $53,000 |
| Asian | 2 | $71,000 | $35,000 | $42,000 | $54,000 | $61,000 |
| American Indian or Alaskan Native | 1 | $126,000 | $126,000 | $126,000 | $69,000 | $69,000 |
| Hispanic | 1 | $35,000 | $35,000 | $35,000 | $192,000 | $192,000 |
| 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) | 162 | $14,053,000 | $86,000 | $333,000 | $69,000 | $307,000 |
| VA-guaranteed (Veterans Administration) | 6 | $829,000 | $138,000 | $284,000 | $88,000 | $136,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $351,000 | $70,000 | $91,000 | $35,000 | $48,000 |
| FHA-insured (Federal Housing Administration) | 4 | $410,000 | $102,000 | $137,000 | $62,000 | $150,000 |
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 | 142 | $12,522,000 | $88,000 | $333,000 | $71,000 | $307,000 |
| Application Denied By Financial Institution | 22 | $1,629,000 | $74,000 | $137,000 | $48,000 | $150,000 |
| Application Approved But Not Accepted | 11 | $1,277,000 | $116,000 | $242,000 | $76,000 | $120,000 |
| Application Withdrawn By Applicant | 2 | $215,000 | $107,000 | $164,000 | $77,000 | $130,000 |
| 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 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2015 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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