LEI 549300SU3TF26I8KB315 · DAYTON, OH
Universal 1 Credit Union Inc.
Originated-volume rank #2,110 of 4,908 in the CFPB HMDA 2024 Snapshot, with loan mix, denial reasons, and demographic patterns.
Originated-volume tercile vs fleet
According to the CFPB HMDA 2024 Snapshot, Universal 1 Credit Union Inc. ranks #2,110 of 4,908 by originated-loan volume and sits below the 1,000-application origination-share board (281 applications). Volume rank is not origination-share rank.
- n/a
- Below 1,000-app share board
- 67.3%
- Origination share
- 189
- Originated
- 12.8%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
281 reported applications
Where Universal 1 Credit Union Inc. sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
189 Top 43% higher than 57% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Universal 1 Credit Union In…
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · Universal 1 Credit Union In…
Lender-reported HMDA denial-reason counts (top reasons shown).
Mid-volume reporter. Universal 1 Credit Union Inc.'s 67.3% origination rate and 12.8% denial rate sit on a mid-tercile originated book (189 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Most-cited denial codes: Debt-to-income ratio, Credit history, Collateral. Program weight concentrates in Conventional (278 applications).
How to read Universal 1 Credit Union Inc.. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Universal 1 Credit Union In…
Universal 1 Credit Union Inc. filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 278 | 188 | 34 | $90,000 |
| FHA | 2 | 0 | 2 | $90,000 |
| VA | 1 | 1 | 0 | $345,000 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Universal 1 Credit Union Inc. (LEI: 549300SU3TF26I8KB315) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Other | 111 | 74 | $71,486 |
| Home Improvement | 91 | 68 | $55,000 |
| Home Purchase | 42 | 29 | $183,095 |
| Cash-out Refinancing | 23 | 10 | $145,435 |
| Refinancing | 14 | 8 | $112,143 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 220 | 73.6% | 9.1% |
| Black or African American * | 33 | 36.4% | 36.4% |
| 2 or more minority races * | 3 | 33.3% | 33.3% |
| American Indian or Alaska Native * | 2 | 100.0% | 0.0% |
| Asian * | 2 | 100.0% | 0.0% |
| Joint * | 2 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 254 | 68.9% | 12.6% |
| Hispanic or Latino * | 2 | 50.0% | 50.0% |
| Joint * | 2 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in OH
Other HMDA-reporting lenders in OH with similar activity. Compare any two side-by-side.
One of 184 other HMDA-reporting lenders in OH, 5 are shown here.
Us Bank, N.A.
CINCINNATI, OH
Crosscountry Mortgage, LLC
Cleveland, OH
JPMorgan Chase Bank, NA
Columbus, OH
Huntington National Bank
Columbus, OH
Fifth Third Bank, National Association
Cincinnati, OH
Read with Universal 1 Credit Union Inc.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Universal 1 Credit Union Inc. (LEI 549300SU3TF26I8KB315), from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024). See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.