Universal 1 Credit Union Inc. Mortgage Lending & HMDA Data, 2017
In 2017, Universal 1 Credit Union Inc. of Dayton, OH reported 596 mortgage applications totaling $38.5 million, up 159% from 2016. The average application was for $64,545, and applicants reported an average income of $79,661. 63% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Dayton, OH (326), Cincinnati, OH-KY-IN (52) and Columbus, OH (33) (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 | 596 |
| Total Mortgage Loan Application Amount | $38,469,000 |
| Average Mortgage Loan Application Amount | $64,545 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $79,661 |
| Highest Applicant Income | $558,000 |
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records Universal 1 Credit Union Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 326 | $ 19,465,000 | $ 59,708 | $ 78,000 |
| Cincinnati, OH-KY-IN | 52 | $ 4,423,000 | $ 85,057 | $ 106,884 |
| Columbus, OH | 33 | $ 2,137,000 | $ 64,757 | $ 93,000 |
| Springfield, OH | 30 | $ 1,561,000 | $ 52,033 | $ 65,000 |
| Jacksonville, FL | 4 | $ 920,000 | $ 230,000 | $ 280,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 129,000 | $ 43,000 | $ 155,000 |
| Chicago-Naperville-Arlington Heights, IL | 2 | $ 144,000 | $ 72,000 | $ 68,000 |
| Cleveland-Elyria, OH | 2 | $ 110,000 | $ 55,000 | $ 32,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 140,000 | $ 70,000 | $ 94,000 |
| Ann Arbor, MI | 1 | $ 76,000 | $ 76,000 | $ 62,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 199,000 | $ 199,000 | $ 91,000 |
| Jackson, MS | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 150,000 | $ 150,000 | $ 130,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 126,000 | $ 126,000 | $ 115,000 |
| New Orleans-Metairie, LA | 1 | $ 35,000 | $ 35,000 | $ 180,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 590,000 | $ 590,000 | $ 97,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 200,000 | $ 200,000 | $ 146,000 |
| Salt Lake City, UT | 1 | $ 120,000 | $ 120,000 | $ 217,000 |
| Visalia-Porterville, CA | 1 | $ 280,000 | $ 280,000 | $ 171,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 20,000 | $ 20,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for Universal 1 Credit Union Inc. in 2017
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 | 272 | $19,335,000 | $71,000 | $750,000 | $78,000 | $480,000 |
| Home Improvement | 217 | $7,720,000 | $35,000 | $164,000 | $87,000 | $370,000 |
| Home Purchase | 107 | $11,414,000 | $106,000 | $350,000 | $69,000 | $558,000 |
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 | 484 | $32,130,000 | $66,000 | $750,000 | $80,000 | $480,000 |
| Not Provided | 57 | $3,045,000 | $53,000 | $204,000 | $82,000 | $370,000 |
| Black or African American | 46 | $2,582,000 | $56,000 | $190,000 | $63,000 | $236,000 |
| Hispanic | 4 | $251,000 | $62,000 | $96,000 | $58,000 | $95,000 |
| Asian | 3 | $336,000 | $112,000 | $124,000 | $245,000 | $558,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $113,000 | $113,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $50,000 | $50,000 | $50,000 | $146,000 | $146,000 |
| 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) | 561 | $34,725,000 | $61,000 | $750,000 | $82,000 | $558,000 |
| FHA-insured (Federal Housing Administration) | 21 | $1,994,000 | $94,000 | $210,000 | $45,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,364,000 | $136,000 | $350,000 | $65,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $386,000 | $96,000 | $135,000 | $47,000 | $74,000 |
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 | 373 | $25,327,000 | $67,000 | $750,000 | $85,000 | $480,000 |
| Application Denied By Financial Institution | 176 | $8,623,000 | $48,000 | $232,000 | $68,000 | $370,000 |
| Application Approved But Not Accepted | 34 | $3,365,000 | $98,000 | $294,000 | $94,000 | $558,000 |
| Application Withdrawn By Applicant | 12 | $1,099,000 | $91,000 | $328,000 | $64,000 | $202,000 |
| File Closed For Incompleteness | 1 | $55,000 | $55,000 | $55,000 | $46,000 | $46,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 24 | $1,563,000 | $65,000 | $232,000 | $47,000 | $236,000 |
| Debt-To-Income Ratio | 12 | $1,132,000 | $94,000 | $172,000 | $52,000 | $117,000 |
| Collateral | 11 | $753,000 | $68,000 | $155,000 | $61,000 | $247,000 |
| Credit Application Incomplete | 8 | $773,000 | $96,000 | $210,000 | $68,000 | $134,000 |
| Other | 8 | $746,000 | $93,000 | $153,000 | $56,000 | $98,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $184,000 | $61,000 | $83,000 | $55,000 | $100,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Universal 1 Credit Union Inc.'s 2017 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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