Universal 1 Credit Union Inc. Mortgage Lending & HMDA Data, 2019
In 2019, Universal 1 Credit Union Inc. of Dayton, OH reported 487 mortgage applications totaling $39.9 million, down 7% from 2018. The average application was for $81,960, and applicants reported an average income of $95,443. 63% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Dayton-Springfield-Kettering, OH (248), Cincinnati, OH-KY-IN (68) and Columbus, OH (28) (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 | 487 |
| Total Mortgage Loan Application Amount | $39,915,000 |
| Average Mortgage Loan Application Amount | $81,960 |
| Highest Mortgage Loan Application Amount | $475,000 |
| Average Applicant Income | $95,443 |
| Highest Applicant Income | $1,218,000 |
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records Universal 1 Credit Union Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Springfield-Kettering, OH | 248 | $ 17,750,000 | $ 71,572 | $ 81,000 |
| Outside any metro area | 110 | $ 8,000,000 | $ 72,727 | $ 88,009 |
| Cincinnati, OH-KY-IN | 68 | $ 8,640,000 | $ 127,058 | $ 161,176 |
| Columbus, OH | 28 | $ 2,850,000 | $ 101,785 | $ 83,000 |
| Springfield, OH | 10 | $ 680,000 | $ 68,000 | $ 77,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 640,000 | $ 160,000 | $ 95,000 |
| Chicago-Naperville, IL | 2 | $ 160,000 | $ 80,000 | $ 61,000 |
| Knoxville, TN | 2 | $ 140,000 | $ 70,000 | $ 199,000 |
| Columbia, SC | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Dallas-Plano-Irving, TX | 1 | $ 35,000 | $ 35,000 | $ 130,000 |
| El Paso, TX | 1 | $ 45,000 | $ 45,000 | $ 71,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Lima, OH | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| New Bern, NC | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Newark, NJ-PA | 1 | $ 105,000 | $ 105,000 | $ 309,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 135,000 | $ 135,000 | $ 217,000 |
| Wausau, WI | 1 | $ 65,000 | $ 65,000 | $ 155,000 |
| Worcester, MA-CT | 1 | $ 45,000 | $ 45,000 | $ 225,000 |
Mortgage Loan Application Detail Totals for Universal 1 Credit Union Inc. in 2019
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 | 198 | $12,670,000 | $63,000 | $455,000 | $95,000 | $1,218,000 |
| Home Improvement | 108 | $5,040,000 | $46,000 | $135,000 | $93,000 | $284,000 |
| Home Purchase | 108 | $13,650,000 | $126,000 | $405,000 | $76,000 | $263,000 |
| Refinancing | 51 | $5,625,000 | $110,000 | $475,000 | $145,000 | $1,218,000 |
| Cash-out Refinancing | 22 | $2,930,000 | $133,000 | $335,000 | $92,000 | $284,000 |
| 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 | 396 | $33,510,000 | $84,000 | $475,000 | $96,000 | $1,218,000 |
| Black or African American | 43 | $2,415,000 | $56,000 | $175,000 | $71,000 | $199,000 |
| Not Provided | 28 | $2,130,000 | $76,000 | $305,000 | $104,000 | $224,000 |
| Hispanic | 16 | $1,270,000 | $79,000 | $185,000 | $108,000 | $234,000 |
| Asian | 3 | $575,000 | $191,000 | $405,000 | $171,000 | $217,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $54,000 | $54,000 |
| 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) | 466 | $37,300,000 | $80,000 | $475,000 | $97,000 | $1,218,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,410,000 | $100,000 | $205,000 | $47,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 5 | $985,000 | $197,000 | $385,000 | $55,000 | $80,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $220,000 | $110,000 | $115,000 | $48,000 | $58,000 |
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 | 309 | $24,625,000 | $79,000 | $405,000 | $94,000 | $1,218,000 |
| Application Withdrawn By Applicant | 82 | $7,170,000 | $87,000 | $475,000 | $126,000 | $1,218,000 |
| Application Denied By Financial Institution | 72 | $4,390,000 | $60,000 | $245,000 | $70,000 | $208,000 |
| Application Approved But Not Accepted | 19 | $2,905,000 | $152,000 | $355,000 | $74,000 | $152,000 |
| File Closed For Incompleteness | 5 | $825,000 | $165,000 | $235,000 | $103,000 | $188,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 415 | $35,525,000 | $85,000 | $475,000 | $100,000 | $1,218,000 |
| Credit History | 34 | $1,530,000 | $45,000 | $135,000 | $83,000 | $208,000 |
| Debt-To-Income Ratio | 24 | $1,560,000 | $65,000 | $155,000 | $54,000 | $120,000 |
| Collateral | 11 | $865,000 | $78,000 | $135,000 | $57,000 | $96,000 |
| Other | 3 | $435,000 | $145,000 | $245,000 | $94,000 | $135,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Universal 1 Credit Union Inc.'s 2019 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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