Applications / Mortgage Analytics / Lenders / Ohio / Universal 1 Credit Union
Dayton, OH · Credit union · NCUA · $422 million assets · 228 loans in 2025
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228
loans originated, 2025
322
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Universal 1 Credit Union, of Dayton, Ohio, lends mostly for home improvement and other purposes, in small amounts, and its loans rose by a fifth in 2025.
Other purposes took 39.5% of its loans and home improvement 36.8%; purchases were 12.3% and refinances 11.4%. Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), smaller than more than nine in ten of them.
Higher-priced loans, with a rate well above the average for similar loans, were 14.5% of its lending, against 2.0% at the typical peer. Its typical rate was 7.50%, against 6.75%. Home-improvement and other-purpose loans, about three-quarters of its lending, may account for most of the difference.
Its loans rose 21% to 228, against 6% for the typical peer and 10% for the whole market. Its largest market is Dayton-Kettering-Beavercreek, where it has lent since 1990 and ranks 62 of 443 with an unchanged 0.2% share. Wright-Patt Credit Union leads there with $395.1M.
It made 34.5% of its loans to low- and moderate-income borrowers, against 27.7% at the typical peer, more than about two-thirds of similar credit unions.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Universal 1 Credit Union took 322 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 39.5% · Home improvement 36.8% · Purchase 12.3% · Refinance 11.4%
Conventional 100.0% · of 228 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 224 | 98.2% |
| Georgia | 2 | 0.9% |
| Florida | 1 | 0.4% |
| Michigan | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dayton-Kettering-Beavercreek | 113 |
| Cincinnati | 14 |
| Columbus | 13 |
| Springfield | 8 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Lima | 2 |
| Detroit-Dearborn-Livonia | 1 |
| Port St. Lucie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SU3TF26I8KB315 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 150893 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564970 | 1990–2017 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Universal 1 Credit Union's data.
Universal 1 Credit Union's data
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Universal 1 Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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