Universal 1 Credit Union Inc. Mortgage Lending & HMDA Data, 2011
In 2011, Universal 1 Credit Union Inc. of Dayton, OH reported 442 mortgage applications totaling $44.6 million, up 108% from 2010. The average application was for $100,945, and applicants reported an average income of $74,346. 40% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Dayton, OH (237), Cincinnati-Middletown, OH-KY-IN (28) and Columbus, OH (16) (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 | 442 |
| Total Mortgage Loan Application Amount | $44,618,000 |
| Average Mortgage Loan Application Amount | $100,945 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $74,346 |
| Highest Applicant Income | $731,000 |
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records Universal 1 Credit Union Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 237 | $ 23,702,000 | $ 100,008 | $ 73,000 |
| Cincinnati-Middletown, OH-KY-IN | 28 | $ 3,119,000 | $ 111,392 | $ 82,000 |
| Columbus, OH | 16 | $ 1,897,000 | $ 118,562 | $ 83,000 |
| Springfield, OH | 11 | $ 989,000 | $ 89,909 | $ 77,000 |
| Atlanta-Sandy Springs-Marietta, GA | 4 | $ 586,000 | $ 146,500 | $ 95,000 |
| Akron, OH | 2 | $ 287,000 | $ 143,500 | $ 107,000 |
| Toledo, OH | 2 | $ 133,000 | $ 66,500 | $ 115,000 |
| Canton-Massillon, OH | 1 | $ 371,000 | $ 371,000 | $ 99,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 400,000 | $ 400,000 | $ 731,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 143,000 | $ 143,000 | $ 44,000 |
| Pittsburgh, PA | 1 | $ 212,000 | $ 212,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for Universal 1 Credit Union Inc. in 2011
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 | 239 | $27,305,000 | $114,000 | $415,000 | $81,000 | $539,000 |
| Home Purchase | 169 | $14,761,000 | $87,000 | $400,000 | $64,000 | $731,000 |
| Home Improvement | 34 | $2,552,000 | $75,000 | $600,000 | $79,000 | $420,000 |
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 | 309 | $31,376,000 | $101,000 | $415,000 | $76,000 | $539,000 |
| Not Provided | 110 | $11,222,000 | $102,000 | $400,000 | $75,000 | $731,000 |
| Black or African American | 19 | $1,736,000 | $91,000 | $600,000 | $41,000 | $88,000 |
| Hispanic | 3 | $180,000 | $60,000 | $74,000 | $71,000 | $102,000 |
| American Indian or Alaskan Native | 1 | $104,000 | $104,000 | $104,000 | $45,000 | $45,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 442 | $44,618,000 | $100,000 | $600,000 | $74,000 | $731,000 |
| 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 | 177 | $16,664,000 | $94,000 | $600,000 | $78,000 | $283,000 |
| Application Approved But Not Accepted | 97 | $11,425,000 | $117,000 | $415,000 | $80,000 | $539,000 |
| Application Denied By Financial Institution | 91 | $8,702,000 | $95,000 | $371,000 | $60,000 | $420,000 |
| Application Withdrawn By Applicant | 40 | $4,426,000 | $110,000 | $400,000 | $85,000 | $731,000 |
| Preapproval Denied by Financial Institution | 22 | $1,843,000 | $83,000 | $186,000 | $65,000 | $463,000 |
| File Closed For Incompleteness | 13 | $1,298,000 | $99,000 | $158,000 | $52,000 | $134,000 |
| Preapproval Approved but not Accepted | 2 | $260,000 | $130,000 | $136,000 | $98,000 | $126,000 |
| Loan Purchased By The 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 | 22 | $2,065,000 | $93,000 | $371,000 | $69,000 | $463,000 |
| Mortgage Insurance Denied | 20 | $1,905,000 | $95,000 | $311,000 | $58,000 | $190,000 |
| Debt-To-Income Ratio | 19 | $1,899,000 | $99,000 | $234,000 | $52,000 | $113,000 |
| Collateral | 15 | $1,657,000 | $110,000 | $240,000 | $72,000 | $186,000 |
| Other | 7 | $439,000 | $62,000 | $107,000 | $60,000 | $151,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $535,000 | $76,000 | $114,000 | $44,000 | $62,000 |
| Employment History | 3 | $264,000 | $88,000 | $193,000 | $174,000 | $420,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Universal 1 Credit Union Inc.'s 2011 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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