Universal 1 Credit Union Inc. Mortgage Lending & HMDA Data, 2018
In 2018, Universal 1 Credit Union Inc. of Dayton, OH reported 522 mortgage applications totaling $33.6 million, down 12% from 2017. The average application was for $64,367, and applicants reported an average income of $80,118. 58% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Dayton, OH (296), Cincinnati, OH-KY-IN (66) and Columbus, OH (25) (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 | 522 |
| Total Mortgage Loan Application Amount | $33,600,000 |
| Average Mortgage Loan Application Amount | $64,367 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $80,118 |
| Highest Applicant Income | $350,000 |
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records Universal 1 Credit Union Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 223 | $ 11,745,000 | $ 52,668 | $ 67,000 |
| Shelby, Ohio | 53 | $ 2,385,000 | $ 45,000 | $ 68,000 |
| Greene, Ohio | 45 | $ 3,105,000 | $ 69,000 | $ 77,000 |
| Miami, Ohio | 28 | $ 1,770,000 | $ 63,214 | $ 99,000 |
| Warren, Ohio | 26 | $ 2,370,000 | $ 91,153 | $ 97,000 |
| Ross, Ohio | 18 | $ 850,000 | $ 47,222 | $ 89,000 |
| Butler, Ohio | 17 | $ 1,365,000 | $ 80,294 | $ 78,000 |
| Clark, Ohio | 14 | $ 870,000 | $ 62,142 | $ 82,000 |
| Hamilton, Ohio | 13 | $ 1,735,000 | $ 133,461 | $ 131,000 |
| Kenton, Kentucky | 9 | $ 1,775,000 | $ 197,222 | $ 171,000 |
| Pickaway, Ohio | 8 | $ 590,000 | $ 73,750 | $ 99,000 |
| Jackson, Ohio | 6 | $ 490,000 | $ 81,666 | $ 66,000 |
| Licking, Ohio | 6 | $ 400,000 | $ 66,666 | $ 93,000 |
| Logan, Ohio | 5 | $ 205,000 | $ 41,000 | $ 106,000 |
| Preble, Ohio | 5 | $ 185,000 | $ 37,000 | $ 86,000 |
| Franklin, Ohio | 4 | $ 190,000 | $ 47,500 | $ 86,000 |
| Auglaize, Ohio | 3 | $ 195,000 | $ 65,000 | $ 67,000 |
| Fairfield, Ohio | 3 | $ 205,000 | $ 68,333 | $ 76,000 |
| Fayette, Ohio | 3 | $ 345,000 | $ 115,000 | $ 61,000 |
| Union, Ohio | 3 | $ 415,000 | $ 138,333 | $ 78,000 |
| Nassau, Florida | 2 | $ 520,000 | $ 260,000 | $ 266,000 |
| Coshocton, Ohio | 2 | $ 70,000 | $ 35,000 | $ 94,000 |
| Darke, Ohio | 2 | $ 80,000 | $ 40,000 | $ 114,000 |
| Highland, Ohio | 2 | $ 80,000 | $ 40,000 | $ 35,000 |
| Pike, Ohio | 2 | $ 90,000 | $ 45,000 | $ 90,000 |
| San Luis Obispo, California | 1 | $ 355,000 | $ 355,000 | $ 180,000 |
| Broward, Florida | 1 | $ 35,000 | $ 35,000 | $ 134,000 |
| Gwinnett, Georgia | 1 | $ 55,000 | $ 55,000 | $ 154,000 |
| Spalding, Georgia | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Hamilton, Indiana | 1 | $ 295,000 | $ 295,000 | $ 124,000 |
| Campbell, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 231,000 |
| St. Tammany, Louisiana | 1 | $ 15,000 | $ 15,000 | $ 92,000 |
| Vernon, Louisiana | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| Jefferson, Missouri | 1 | $ 45,000 | $ 45,000 | $ 155,000 |
| Pender, North Carolina | 1 | $ 35,000 | $ 35,000 | $ 113,000 |
| Allen, Ohio | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| Clinton, Ohio | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Guernsey, Ohio | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Hocking, Ohio | 1 | $ 15,000 | $ 15,000 | $ 49,000 |
| Mercer, Ohio | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
| Scioto, Ohio | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Beaver, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 80,000 |
| Greene, Tennessee | 1 | $ 5,000 | $ 5,000 | $ 41,000 |
| Fort Bend, Texas | 1 | $ 35,000 | $ 35,000 | $ 160,000 |
| Waukesha, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 248,000 |
Mortgage Loan Application Detail Totals for Universal 1 Credit Union Inc. in 2018
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 | 207 | $8,965,000 | $43,000 | $295,000 | $83,000 | $350,000 |
| Home Improvement | 137 | $4,965,000 | $36,000 | $135,000 | $93,000 | $289,000 |
| Home Purchase | 105 | $13,695,000 | $130,000 | $455,000 | $68,000 | $231,000 |
| Refinancing | 55 | $3,465,000 | $63,000 | $165,000 | $62,000 | $166,000 |
| Cash-out Refinancing | 18 | $2,510,000 | $139,000 | $245,000 | $75,000 | $136,000 |
| 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 | 427 | $28,255,000 | $66,000 | $455,000 | $83,000 | $350,000 |
| Black or African American | 44 | $1,830,000 | $41,000 | $165,000 | $48,000 | $154,000 |
| Not Provided | 30 | $2,110,000 | $70,000 | $195,000 | $89,000 | $248,000 |
| Hispanic | 11 | $545,000 | $49,000 | $165,000 | $107,000 | $155,000 |
| Asian | 7 | $755,000 | $107,000 | $375,000 | $77,000 | $190,000 |
| American Indian or Alaskan Native | 2 | $60,000 | $30,000 | $35,000 | $48,000 | $59,000 |
| 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) | 499 | $31,075,000 | $62,000 | $455,000 | $81,000 | $350,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,345,000 | $89,000 | $245,000 | $52,000 | $98,000 |
| VA-guaranteed (Veterans Administration) | 6 | $840,000 | $140,000 | $385,000 | $75,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $340,000 | $170,000 | $185,000 | $57,000 | $61,000 |
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 | 304 | $20,930,000 | $68,000 | $455,000 | $87,000 | $350,000 |
| Application Denied By Financial Institution | 105 | $5,315,000 | $50,000 | $295,000 | $64,000 | $160,000 |
| Application Withdrawn By Applicant | 86 | $4,810,000 | $55,000 | $245,000 | $75,000 | $289,000 |
| Application Approved But Not Accepted | 22 | $1,590,000 | $72,000 | $305,000 | $76,000 | $248,000 |
| File Closed For Incompleteness | 5 | $955,000 | $191,000 | $245,000 | $113,000 | $250,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 417 | $28,285,000 | $67,000 | $455,000 | $84,000 | $350,000 |
| Credit History | 62 | $3,070,000 | $49,000 | $245,000 | $62,000 | $140,000 |
| Debt-To-Income Ratio | 30 | $1,540,000 | $51,000 | $295,000 | $62,000 | $160,000 |
| Collateral | 12 | $670,000 | $55,000 | $115,000 | $76,000 | $150,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $80,000 | $80,000 |
| 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 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Universal 1 Credit Union Inc.'s 2018 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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with aggregated HMDA statistics today.
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