Universal 1 Credit Union Inc. Mortgage Lending & HMDA Data, 2017
In 2017, Universal 1 Credit Union Inc. of Dayton, OH reported 596 mortgage applications totaling $38.5 million, up 159% from 2016. The average application was for $64,545, and applicants reported an average income of $79,661. 63% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Dayton, OH (326), Cincinnati, OH-KY-IN (52) and Columbus, OH (33) (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 | 596 |
| Total Mortgage Loan Application Amount | $38,469,000 |
| Average Mortgage Loan Application Amount | $64,545 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $79,661 |
| Highest Applicant Income | $558,000 |
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records Universal 1 Credit Union Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 250 | $ 14,677,000 | $ 58,708 | $ 74,000 |
| Shelby, Ohio | 72 | $ 4,033,000 | $ 56,013 | $ 59,000 |
| Greene, Ohio | 50 | $ 2,627,000 | $ 52,540 | $ 92,000 |
| Warren, Ohio | 31 | $ 2,015,000 | $ 65,000 | $ 109,000 |
| Clark, Ohio | 30 | $ 1,561,000 | $ 52,033 | $ 65,000 |
| Miami, Ohio | 26 | $ 2,161,000 | $ 83,115 | $ 92,000 |
| Ross, Ohio | 16 | $ 740,000 | $ 46,250 | $ 81,000 |
| Butler, Ohio | 13 | $ 714,000 | $ 54,923 | $ 81,000 |
| Licking, Ohio | 9 | $ 470,000 | $ 52,222 | $ 77,000 |
| Franklin, Ohio | 7 | $ 363,000 | $ 51,857 | $ 112,000 |
| Preble, Ohio | 6 | $ 178,000 | $ 29,666 | $ 52,000 |
| Delaware, Ohio | 5 | $ 607,000 | $ 121,400 | $ 153,000 |
| Highland, Ohio | 5 | $ 261,000 | $ 52,200 | $ 47,000 |
| Pickaway, Ohio | 5 | $ 354,000 | $ 70,800 | $ 67,000 |
| Champaign, Ohio | 4 | $ 510,000 | $ 127,500 | $ 59,000 |
| Darke, Ohio | 4 | $ 460,000 | $ 115,000 | $ 57,000 |
| Logan, Ohio | 4 | $ 142,000 | $ 35,500 | $ 34,000 |
| Nassau, Florida | 3 | $ 770,000 | $ 256,666 | $ 328,000 |
| Auglaize, Ohio | 3 | $ 143,000 | $ 47,666 | $ 37,000 |
| Clermont, Ohio | 3 | $ 84,000 | $ 28,000 | $ 63,000 |
| Fairfield, Ohio | 3 | $ 97,000 | $ 32,333 | $ 88,000 |
| Perry, Ohio | 3 | $ 161,000 | $ 53,666 | $ 52,000 |
| Pike, Ohio | 3 | $ 251,000 | $ 83,666 | $ 114,000 |
| Riverside, California | 2 | $ 140,000 | $ 70,000 | $ 94,000 |
| Gwinnett, Georgia | 2 | $ 74,000 | $ 37,000 | $ 120,000 |
| Cook, Illinois | 2 | $ 144,000 | $ 72,000 | $ 68,000 |
| Athens, Ohio | 2 | $ 89,000 | $ 44,500 | $ 110,000 |
| Cuyahoga, Ohio | 2 | $ 110,000 | $ 55,000 | $ 32,000 |
| Fayette, Ohio | 2 | $ 97,000 | $ 48,500 | $ 79,000 |
| Hamilton, Ohio | 2 | $ 60,000 | $ 30,000 | $ 156,000 |
| Jackson, Ohio | 2 | $ 112,000 | $ 56,000 | $ 46,000 |
| Contra Costa, California | 1 | $ 590,000 | $ 590,000 | $ 97,000 |
| Tulare, California | 1 | $ 280,000 | $ 280,000 | $ 171,000 |
| Brevard, Florida | 1 | $ 200,000 | $ 200,000 | $ 146,000 |
| Palm Beach, Florida | 1 | $ 20,000 | $ 20,000 | $ 39,000 |
| St. Johns, Florida | 1 | $ 150,000 | $ 150,000 | $ 135,000 |
| Cherokee, Georgia | 1 | $ 55,000 | $ 55,000 | $ 224,000 |
| Boone, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 73,000 |
| Campbell, Kentucky | 1 | $ 750,000 | $ 750,000 | $ 297,000 |
| Kenton, Kentucky | 1 | $ 750,000 | $ 750,000 | $ 240,000 |
| Jefferson, Louisiana | 1 | $ 35,000 | $ 35,000 | $ 180,000 |
| St. Joseph, Michigan | 1 | $ 53,000 | $ 53,000 | $ 111,000 |
| Washtenaw, Michigan | 1 | $ 76,000 | $ 76,000 | $ 62,000 |
| Anoka, Minnesota | 1 | $ 150,000 | $ 150,000 | $ 130,000 |
| Madison, Mississippi | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Adams, Ohio | 1 | $ 27,000 | $ 27,000 | $ 118,000 |
| Guernsey, Ohio | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Hocking, Ohio | 1 | $ 85,000 | $ 85,000 | $ 75,000 |
| Muskingum, Ohio | 1 | $ 108,000 | $ 108,000 | $ 73,000 |
| Noble, Ohio | 1 | $ 80,000 | $ 80,000 | $ 177,000 |
| Scioto, Ohio | 1 | $ 54,000 | $ 54,000 | $ 76,000 |
| Tuscarawas, Ohio | 1 | $ 30,000 | $ 30,000 | $ 65,000 |
| Vinton, Ohio | 1 | $ 86,000 | $ 86,000 | $ 68,000 |
| Aiken, South Carolina | 1 | $ 199,000 | $ 199,000 | $ 91,000 |
| Horry, South Carolina | 1 | $ 126,000 | $ 126,000 | $ 115,000 |
| Salt Lake, Utah | 1 | $ 120,000 | $ 120,000 | $ 217,000 |
Mortgage Loan Application Detail Totals for Universal 1 Credit Union Inc. in 2017
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 | 272 | $19,335,000 | $71,000 | $750,000 | $78,000 | $480,000 |
| Home Improvement | 217 | $7,720,000 | $35,000 | $164,000 | $87,000 | $370,000 |
| Home Purchase | 107 | $11,414,000 | $106,000 | $350,000 | $69,000 | $558,000 |
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 | 484 | $32,130,000 | $66,000 | $750,000 | $80,000 | $480,000 |
| Not Provided | 57 | $3,045,000 | $53,000 | $204,000 | $82,000 | $370,000 |
| Black or African American | 46 | $2,582,000 | $56,000 | $190,000 | $63,000 | $236,000 |
| Hispanic | 4 | $251,000 | $62,000 | $96,000 | $58,000 | $95,000 |
| Asian | 3 | $336,000 | $112,000 | $124,000 | $245,000 | $558,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $113,000 | $113,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $50,000 | $50,000 | $50,000 | $146,000 | $146,000 |
| 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) | 561 | $34,725,000 | $61,000 | $750,000 | $82,000 | $558,000 |
| FHA-insured (Federal Housing Administration) | 21 | $1,994,000 | $94,000 | $210,000 | $45,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,364,000 | $136,000 | $350,000 | $65,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $386,000 | $96,000 | $135,000 | $47,000 | $74,000 |
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 | 373 | $25,327,000 | $67,000 | $750,000 | $85,000 | $480,000 |
| Application Denied By Financial Institution | 176 | $8,623,000 | $48,000 | $232,000 | $68,000 | $370,000 |
| Application Approved But Not Accepted | 34 | $3,365,000 | $98,000 | $294,000 | $94,000 | $558,000 |
| Application Withdrawn By Applicant | 12 | $1,099,000 | $91,000 | $328,000 | $64,000 | $202,000 |
| File Closed For Incompleteness | 1 | $55,000 | $55,000 | $55,000 | $46,000 | $46,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 24 | $1,563,000 | $65,000 | $232,000 | $47,000 | $236,000 |
| Debt-To-Income Ratio | 12 | $1,132,000 | $94,000 | $172,000 | $52,000 | $117,000 |
| Collateral | 11 | $753,000 | $68,000 | $155,000 | $61,000 | $247,000 |
| Credit Application Incomplete | 8 | $773,000 | $96,000 | $210,000 | $68,000 | $134,000 |
| Other | 8 | $746,000 | $93,000 | $153,000 | $56,000 | $98,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $184,000 | $61,000 | $83,000 | $55,000 | $100,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2017 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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