Universal 1 Credit Union Inc. Mortgage Lending & HMDA Data, 2020
In 2020, Universal 1 Credit Union Inc. of Dayton, OH reported 398 mortgage applications totaling $35.5 million, down 18% from 2019. The average application was for $89,195, and applicants reported an average income of $91,864. 59% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Dayton-Springfield-Kettering, OH (169), Cincinnati, OH-KY-IN (47) and Columbus, OH (18) (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 | 398 |
| Total Mortgage Loan Application Amount | $35,500,000 |
| Average Mortgage Loan Application Amount | $89,195 |
| Highest Mortgage Loan Application Amount | $515,000 |
| Average Applicant Income | $91,864 |
| Highest Applicant Income | $763,000 |
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records Universal 1 Credit Union Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 128 | $ 10,300,000 | $ 80,468 | $ 75,000 |
| Shelby, Ohio | 40 | $ 2,590,000 | $ 64,750 | $ 72,000 |
| Greene, Ohio | 26 | $ 2,440,000 | $ 93,846 | $ 70,000 |
| Warren, Ohio | 21 | $ 2,395,000 | $ 114,047 | $ 115,000 |
| Miami, Ohio | 15 | $ 1,365,000 | $ 91,000 | $ 79,000 |
| Hamilton, Ohio | 10 | $ 2,290,000 | $ 229,000 | $ 148,000 |
| Ross, Ohio | 9 | $ 625,000 | $ 69,444 | $ 59,000 |
| Clark, Ohio | 7 | $ 735,000 | $ 105,000 | $ 81,000 |
| Pickaway, Ohio | 7 | $ 595,000 | $ 85,000 | $ 101,000 |
| Butler, Ohio | 6 | $ 490,000 | $ 81,666 | $ 85,000 |
| Kenton, Kentucky | 4 | $ 870,000 | $ 217,500 | $ 239,000 |
| Darke, Ohio | 4 | $ 390,000 | $ 97,500 | $ 107,000 |
| Campbell, Kentucky | 3 | $ 335,000 | $ 111,666 | $ 71,000 |
| Auglaize, Ohio | 3 | $ 325,000 | $ 108,333 | $ 102,000 |
| Champaign, Ohio | 3 | $ 215,000 | $ 71,666 | $ 65,000 |
| Licking, Ohio | 3 | $ 125,000 | $ 41,666 | $ 79,000 |
| Brevard, Florida | 2 | $ 170,000 | $ 85,000 | $ 31,000 |
| Gwinnett, Georgia | 2 | $ 330,000 | $ 165,000 | $ 216,000 |
| Marion, Indiana | 2 | $ 560,000 | $ 280,000 | $ 340,000 |
| Middlesex, Massachusetts | 2 | $ 860,000 | $ 430,000 | $ 198,000 |
| Allen, Ohio | 2 | $ 210,000 | $ 105,000 | $ 75,000 |
| Clermont, Ohio | 2 | $ 150,000 | $ 75,000 | $ 91,000 |
| Clinton, Ohio | 2 | $ 60,000 | $ 30,000 | $ 100,000 |
| Delaware, Ohio | 2 | $ 320,000 | $ 160,000 | $ 113,000 |
| Fairfield, Ohio | 2 | $ 60,000 | $ 30,000 | $ 95,000 |
| Fayette, Ohio | 2 | $ 130,000 | $ 65,000 | $ 84,000 |
| Franklin, Ohio | 2 | $ 390,000 | $ 195,000 | $ 141,000 |
| Highland, Ohio | 2 | $ 80,000 | $ 40,000 | $ 88,000 |
| Jackson, Ohio | 2 | $ 150,000 | $ 75,000 | $ 50,000 |
| Madison, Ohio | 2 | $ 120,000 | $ 60,000 | $ 34,000 |
| Riverside, California | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Collier, Florida | 1 | $ 265,000 | $ 265,000 | $ 219,000 |
| Flagler, Florida | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Cherokee, Georgia | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Fulton, Georgia | 1 | $ 265,000 | $ 265,000 | $ 265,000 |
| Cook, Illinois | 1 | $ 75,000 | $ 75,000 | $ 88,000 |
| Ohio, Indiana | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Orleans, Louisiana | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Washtenaw, Michigan | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Craven, North Carolina | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Cuyahoga, Ohio | 1 | $ 15,000 | $ 15,000 | $ 75,000 |
| Gallia, Ohio | 1 | $ 65,000 | $ 65,000 | $ 142,000 |
| Logan, Ohio | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Mercer, Ohio | 1 | $ 95,000 | $ 95,000 | $ 80,000 |
| Noble, Ohio | 1 | $ 185,000 | $ 185,000 | $ 146,000 |
| Preble, Ohio | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Vinton, Ohio | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Richland, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 271,000 |
| Waukesha, Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for Universal 1 Credit Union Inc. in 2020
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 | 107 | $7,415,000 | $69,000 | $405,000 | $84,000 | $430,000 |
| Home Improvement | 104 | $4,660,000 | $44,000 | $255,000 | $98,000 | $763,000 |
| Refinancing | 74 | $8,670,000 | $117,000 | $515,000 | $93,000 | $425,000 |
| Home Purchase | 72 | $9,520,000 | $132,000 | $515,000 | $98,000 | $497,000 |
| Cash-out Refinancing | 41 | $5,235,000 | $127,000 | $455,000 | $84,000 | $320,000 |
| 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 | 334 | $30,010,000 | $89,000 | $515,000 | $92,000 | $763,000 |
| Black or African American | 32 | $2,060,000 | $64,000 | $265,000 | $53,000 | $265,000 |
| Not Provided | 21 | $2,205,000 | $105,000 | $225,000 | $97,000 | $215,000 |
| Hispanic | 6 | $700,000 | $116,000 | $255,000 | $158,000 | $271,000 |
| Asian | 3 | $255,000 | $85,000 | $115,000 | $334,000 | $497,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $117,000 | $117,000 |
| 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) | 384 | $33,630,000 | $87,000 | $515,000 | $93,000 | $763,000 |
| FHA-insured (Federal Housing Administration) | 6 | $730,000 | $121,000 | $225,000 | $67,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 6 | $890,000 | $148,000 | $285,000 | $67,000 | $76,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $250,000 | $125,000 | $135,000 | $40,000 | $47,000 |
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 | 233 | $21,655,000 | $92,000 | $455,000 | $90,000 | $425,000 |
| Application Withdrawn By Applicant | 80 | $6,760,000 | $84,000 | $515,000 | $103,000 | $763,000 |
| Application Denied By Financial Institution | 78 | $5,830,000 | $74,000 | $515,000 | $77,000 | $660,000 |
| Application Approved But Not Accepted | 7 | $1,255,000 | $179,000 | $405,000 | $225,000 | $497,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 320 | $29,670,000 | $92,000 | $515,000 | $96,000 | $763,000 |
| Credit History | 33 | $1,895,000 | $57,000 | $225,000 | $88,000 | $660,000 |
| Debt-To-Income Ratio | 21 | $1,875,000 | $89,000 | $515,000 | $59,000 | $235,000 |
| Other | 11 | $1,025,000 | $93,000 | $205,000 | $109,000 | $300,000 |
| Collateral | 9 | $525,000 | $58,000 | $205,000 | $49,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $300,000 | $150,000 | $245,000 | $167,000 | $167,000 |
| Unverifiable Information | 1 | $175,000 | $175,000 | $175,000 | $85,000 | $85,000 |
| Credit Application Incomplete | 1 | $35,000 | $35,000 | $35,000 | $0 | $0 |
| Employment History | 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 2020 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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