Universal 1 Credit Union Inc. Mortgage Lending & HMDA Data, 2008
In 2008, Universal 1 Credit Union Inc. of Dayton, OH reported 271 mortgage applications totaling $23.2 million, up 76% from 2007. The average application was for $85,490, and applicants reported an average income of $62,571. 69% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Dayton, OH (138), Columbus, OH (20) and Springfield, OH (12) (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 | 271 |
| Total Mortgage Loan Application Amount | $23,168,000 |
| Average Mortgage Loan Application Amount | $85,490 |
| Highest Mortgage Loan Application Amount | $399,000 |
| Average Applicant Income | $62,571 |
| Highest Applicant Income | $399,000 |
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records Universal 1 Credit Union Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dayton, OH | 138 | $ 11,511,000 | $ 83,413 | $ 69,000 |
| Columbus, OH | 20 | $ 1,711,000 | $ 85,550 | $ 71,000 |
| Springfield, OH | 12 | $ 1,416,000 | $ 118,000 | $ 66,000 |
| Cincinnati-Middletown, OH-KY-IN | 10 | $ 726,000 | $ 72,600 | $ 70,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 380,000 | $ 190,000 | $ 93,000 |
| Akron, OH | 1 | $ 129,000 | $ 129,000 | $ 87,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| Knoxville, TN | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Morristown, TN | 1 | $ 47,000 | $ 47,000 | $ 41,000 |
| Wilmington, NC | 1 | $ 197,000 | $ 197,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for Universal 1 Credit Union Inc. in 2008
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 | 161 | $14,087,000 | $87,000 | $399,000 | $67,000 | $399,000 |
| Home Purchase | 85 | $8,464,000 | $99,000 | $397,000 | $52,000 | $223,000 |
| Home Improvement | 25 | $617,000 | $24,000 | $100,000 | $70,000 | $191,000 |
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 | 145 | $13,129,000 | $90,000 | $399,000 | $73,000 | $399,000 |
| Not Provided | 114 | $9,416,000 | $82,000 | $215,000 | $51,000 | $186,000 |
| Black or African American | 10 | $491,000 | $49,000 | $128,000 | $49,000 | $109,000 |
| Hispanic | 2 | $132,000 | $66,000 | $90,000 | $26,000 | $28,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 271 | $23,168,000 | $85,000 | $399,000 | $63,000 | $399,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 186 | $16,002,000 | $86,000 | $399,000 | $72,000 | $399,000 |
| Preapproval Denied by Financial Institution | 48 | $4,104,000 | $85,000 | $200,000 | $38,000 | $126,000 |
| Application Denied By Financial Institution | 37 | $3,062,000 | $82,000 | $187,000 | $48,000 | $109,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $67,000 | $22,000 | $32,000 | $24,000 | $32,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Universal 1 Credit Union Inc.'s 2008 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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