Universal 1 Credit Union Inc. Mortgage Lending & HMDA Data, 2021
In 2021, Universal 1 Credit Union Inc. of Dayton, OH reported 409 mortgage applications totaling $38.3 million, up 3% from 2020. The average application was for $93,630, and applicants reported an average income of $88,887. 64% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Dayton-Springfield-Kettering, OH (224), Cincinnati, OH-KY-IN (18) 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 | 409 |
| Total Mortgage Loan Application Amount | $38,295,000 |
| Average Mortgage Loan Application Amount | $93,630 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $88,887 |
| Highest Applicant Income | $756,000 |
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records Universal 1 Credit Union Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 174 | $ 14,110,000 | $ 81,091 | $ 73,000 |
| Shelby, Ohio | 68 | $ 6,260,000 | $ 92,058 | $ 79,000 |
| Greene, Ohio | 38 | $ 4,430,000 | $ 116,578 | $ 114,000 |
| Ross, Ohio | 15 | $ 735,000 | $ 49,000 | $ 106,000 |
| Warren, Ohio | 15 | $ 2,285,000 | $ 152,333 | $ 127,000 |
| Clark, Ohio | 13 | $ 815,000 | $ 62,692 | $ 58,000 |
| Miami, Ohio | 12 | $ 1,030,000 | $ 85,833 | $ 96,000 |
| Auglaize, Ohio | 5 | $ 305,000 | $ 61,000 | $ 58,000 |
| Franklin, Ohio | 5 | $ 815,000 | $ 163,000 | $ 128,000 |
| Fairfield, Ohio | 4 | $ 490,000 | $ 122,500 | $ 86,000 |
| Pinellas, Florida | 3 | $ 395,000 | $ 131,666 | $ 75,000 |
| Champaign, Ohio | 3 | $ 395,000 | $ 131,666 | $ 52,000 |
| Highland, Ohio | 3 | $ 265,000 | $ 88,333 | $ 81,000 |
| Hocking, Ohio | 3 | $ 185,000 | $ 61,666 | $ 61,000 |
| Sarasota, Florida | 2 | $ 440,000 | $ 220,000 | $ 149,000 |
| Fulton, Georgia | 2 | $ 130,000 | $ 65,000 | $ 94,000 |
| Clinton, Ohio | 2 | $ 210,000 | $ 105,000 | $ 91,000 |
| Darke, Ohio | 2 | $ 190,000 | $ 95,000 | $ 111,000 |
| Licking, Ohio | 2 | $ 390,000 | $ 195,000 | $ 106,000 |
| Pickaway, Ohio | 2 | $ 160,000 | $ 80,000 | $ 49,000 |
| Preble, Ohio | 2 | $ 160,000 | $ 80,000 | $ 65,000 |
| Scioto, Ohio | 2 | $ 180,000 | $ 90,000 | $ 101,000 |
| Maricopa, Arizona | 1 | $ 105,000 | $ 105,000 | $ 144,000 |
| Charlotte, Florida | 1 | $ 55,000 | $ 55,000 | $ 146,000 |
| Hillsborough, Florida | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Nassau, Florida | 1 | $ 235,000 | $ 235,000 | $ 345,000 |
| Osceola, Florida | 1 | $ 515,000 | $ 515,000 | $ 756,000 |
| Palm Beach, Florida | 1 | $ 95,000 | $ 95,000 | $ 106,000 |
| Chatham, Georgia | 1 | $ 235,000 | $ 235,000 | $ 188,000 |
| Cherokee, Georgia | 1 | $ 55,000 | $ 55,000 | $ 222,000 |
| Gwinnett, Georgia | 1 | $ 35,000 | $ 35,000 | $ 137,000 |
| Lumpkin, Georgia | 1 | $ 25,000 | $ 25,000 | $ 127,000 |
| Towns, Georgia | 1 | $ 35,000 | $ 35,000 | $ 46,000 |
| Cook, Illinois | 1 | $ 125,000 | $ 125,000 | $ 155,000 |
| Pendleton, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Washtenaw, Michigan | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| St. Louis City, Missouri | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| Camden, New Jersey | 1 | $ 55,000 | $ 55,000 | $ 82,000 |
| Adams, Ohio | 1 | $ 65,000 | $ 65,000 | $ 54,000 |
| Butler, Ohio | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Madison, Ohio | 1 | $ 305,000 | $ 305,000 | $ 207,000 |
| Medina, Ohio | 1 | $ 45,000 | $ 45,000 | $ 130,000 |
| Perry, Ohio | 1 | $ 55,000 | $ 55,000 | $ 71,000 |
| Berks, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 174,000 |
| Providence, Rhode Island | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Lexington, South Carolina | 1 | $ 245,000 | $ 245,000 | $ 72,000 |
| Cumberland, Tennessee | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Hamblen, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 27,000 |
| Rhea, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 177,000 |
Mortgage Loan Application Detail Totals for Universal 1 Credit Union Inc. in 2021
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 |
|---|---|---|---|---|---|---|
| Home Improvement | 95 | $4,175,000 | $43,000 | $135,000 | $96,000 | $525,000 |
| Refinancing | 82 | $7,840,000 | $95,000 | $235,000 | $69,000 | $177,000 |
| Other Purpose | 81 | $5,435,000 | $67,000 | $515,000 | $111,000 | $756,000 |
| Cash-out Refinancing | 77 | $10,085,000 | $130,000 | $605,000 | $76,000 | $207,000 |
| Home Purchase | 74 | $10,760,000 | $145,000 | $495,000 | $91,000 | $345,000 |
| 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 | 314 | $29,540,000 | $94,000 | $605,000 | $85,000 | $574,000 |
| Not Provided | 45 | $3,915,000 | $87,000 | $225,000 | $114,000 | $624,000 |
| Black or African American | 36 | $3,690,000 | $102,000 | $515,000 | $84,000 | $756,000 |
| Hispanic | 10 | $700,000 | $70,000 | $215,000 | $108,000 | $191,000 |
| American Indian or Alaskan Native | 2 | $140,000 | $70,000 | $85,000 | $51,000 | $57,000 |
| Asian | 1 | $55,000 | $55,000 | $55,000 | $139,000 | $139,000 |
| 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) | 396 | $36,630,000 | $92,000 | $605,000 | $89,000 | $756,000 |
| FHA-insured (Federal Housing Administration) | 8 | $770,000 | $96,000 | $145,000 | $58,000 | $127,000 |
| VA-guaranteed (Veterans Administration) | 5 | $895,000 | $179,000 | $355,000 | $67,000 | $105,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 262 | $24,190,000 | $92,000 | $495,000 | $94,000 | $574,000 |
| Application Withdrawn By Applicant | 71 | $6,875,000 | $96,000 | $515,000 | $82,000 | $756,000 |
| Application Denied By Financial Institution | 58 | $4,820,000 | $83,000 | $515,000 | $78,000 | $624,000 |
| Application Approved But Not Accepted | 18 | $2,410,000 | $133,000 | $605,000 | $68,000 | $145,000 |
| 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 | 351 | $33,475,000 | $95,000 | $605,000 | $90,000 | $756,000 |
| Credit History | 25 | $2,375,000 | $95,000 | $355,000 | $68,000 | $120,000 |
| Collateral | 13 | $615,000 | $47,000 | $95,000 | $72,000 | $174,000 |
| Other | 11 | $1,195,000 | $108,000 | $515,000 | $137,000 | $624,000 |
| Debt-To-Income Ratio | 8 | $580,000 | $72,000 | $145,000 | $49,000 | $91,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $32,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Universal 1 Credit Union Inc.'s 2021 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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