Universal 1 Credit Union Inc. Mortgage Lending & HMDA Data, 2013
In 2013, Universal 1 Credit Union Inc. of Dayton, OH reported 503 mortgage applications totaling $53.3 million, up 34% from 2012. The average application was for $105,880, and applicants reported an average income of $63,316. 36% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Dayton, OH (228), Cincinnati-Middletown, OH-KY-IN (28) and Columbus, OH (19) (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 | 503 |
| Total Mortgage Loan Application Amount | $53,258,000 |
| Average Mortgage Loan Application Amount | $105,880 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $63,316 |
| Highest Applicant Income | $326,000 |
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records Universal 1 Credit Union Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Universal 1 Credit Union Inc. in 2013
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 Purchase | 257 | $26,280,000 | $102,000 | $380,000 | $58,000 | $243,000 |
| Refinancing | 230 | $24,068,000 | $104,000 | $296,000 | $69,000 | $326,000 |
| Home Improvement | 16 | $2,910,000 | $181,000 | $1,500,000 | $67,000 | $185,000 |
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 | 348 | $37,777,000 | $108,000 | $1,500,000 | $61,000 | $250,000 |
| Not Provided | 114 | $11,752,000 | $103,000 | $369,000 | $72,000 | $326,000 |
| Black or African American | 33 | $3,050,000 | $92,000 | $231,000 | $58,000 | $227,000 |
| Hispanic | 5 | $490,000 | $98,000 | $148,000 | $64,000 | $97,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $64,000 | $64,000 | $64,000 | $65,000 | $65,000 |
| American Indian or Alaskan Native | 1 | $49,000 | $49,000 | $49,000 | $36,000 | $36,000 |
| Asian | 1 | $76,000 | $76,000 | $76,000 | $38,000 | $38,000 |
| 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) | 403 | $42,904,000 | $106,000 | $1,500,000 | $67,000 | $326,000 |
| FHA-insured (Federal Housing Administration) | 81 | $7,530,000 | $92,000 | $245,000 | $45,000 | $157,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,705,000 | $150,000 | $300,000 | $55,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $119,000 | $119,000 | $119,000 | $60,000 | $60,000 |
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 | 181 | $20,276,000 | $112,000 | $1,500,000 | $69,000 | $326,000 |
| Application Denied By Financial Institution | 161 | $14,987,000 | $93,000 | $284,000 | $53,000 | $241,000 |
| Application Approved But Not Accepted | 98 | $10,944,000 | $111,000 | $380,000 | $71,000 | $250,000 |
| Application Withdrawn By Applicant | 36 | $3,993,000 | $110,000 | $300,000 | $62,000 | $241,000 |
| File Closed For Incompleteness | 21 | $2,039,000 | $97,000 | $215,000 | $63,000 | $268,000 |
| Preapproval Denied by Financial Institution | 4 | $575,000 | $143,000 | $290,000 | $49,000 | $116,000 |
| Preapproval Approved but not Accepted | 2 | $444,000 | $222,000 | $310,000 | $43,000 | $75,000 |
| 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 | 54 | $5,298,000 | $98,000 | $290,000 | $60,000 | $241,000 |
| Debt-To-Income Ratio | 42 | $3,845,000 | $91,000 | $248,000 | $35,000 | $97,000 |
| Other | 13 | $1,162,000 | $89,000 | $168,000 | $61,000 | $190,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $389,000 | $77,000 | $96,000 | $89,000 | $144,000 |
| Collateral | 5 | $527,000 | $105,000 | $203,000 | $72,000 | $115,000 |
| Credit Application Incomplete | 1 | $221,000 | $221,000 | $221,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2013 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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