UNIVERSAL 1 CREDIT UNION
UNIVERSAL 1 CREDIT UNION received 320 applications in 2025 and made 228 mortgages, in 44 counties across 9 states. The median rate its borrowers got was 7.500% on a median loan of $65,000. Of 254 decisions, 25 were denials — 9.8%, most often for debt-to-income ratio. 7 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300SU3TF26I8KB315 |
|---|---|
| Applications received | 320 |
| Mortgages made | 228 |
| Denied | 25 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 66 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.04 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 28 | 6.875% | $180,000 | 9.4% |
| Refinancing | 22 | 7.500% | $85,000 | 12.0% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Other purposes | 174 | 7.500% | $55,000 | 9.4% |
Where UNIVERSAL 1 CREDIT UNION lends most
The 44 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Montgomery County, OH | 71 | 7.500% | 14.3% |
| Shelby County, OH | 46 | 7.625% | 8.0% |
| Greene County, OH | 27 | 7.500% | 15.6% |
| Miami County, OH | 15 | 7.500% | 0.0% |
| Ross County, OH | 13 | 7.500% | 7.1% |
| Warren County, OH | 10 | 8.125% | 0.0% |
| Clark County, OH | 8 | Under 10 loans | 0.0% |
| Fairfield County, OH | 3 | Under 10 loans | 0.0% |
| Pickaway County, OH | 3 | Under 10 loans | 0.0% |
| Allen County, OH | 2 | Under 10 loans | 0.0% |
| Butler County, OH | 2 | Under 10 loans | 0.0% |
| Clinton County, OH | 2 | Under 10 loans | 33.3% |
| Darke County, OH | 2 | Under 10 loans | 0.0% |
| Franklin County, OH | 2 | Under 10 loans | 0.0% |
| Hocking County, OH | 2 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 1 | Under 10 loans | 0.0% |
| Coweta County, GA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 0.0% |
| Wayne County, MI | 1 | Under 10 loans | 0.0% |
| Adams County, OH | 1 | Under 10 loans | 0.0% |
| Auglaize County, OH | 1 | Under 10 loans | 0.0% |
| Champaign County, OH | 1 | Under 10 loans | 0.0% |
| Clermont County, OH | 1 | Under 10 loans | 0.0% |
| Fayette County, OH | 1 | Under 10 loans | 0.0% |
| Guernsey County, OH | 1 | Under 10 loans | 0.0% |
| Hamilton County, OH | 1 | Under 10 loans | 0.0% |
| Jackson County, OH | 1 | Under 10 loans | 0.0% |
| Licking County, OH | 1 | Under 10 loans | 0.0% |
| Logan County, OH | 1 | Under 10 loans | 0.0% |
| Madison County, OH | 1 | Under 10 loans | 0.0% |
| Mercer County, OH | 1 | Under 10 loans | 0.0% |
| Perry County, OH | 1 | Under 10 loans | 0.0% |
| Pike County, OH | 1 | Under 10 loans | 50.0% |
| Preble County, OH | 1 | Under 10 loans | 0.0% |
| Scioto County, OH | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 0 | Under 10 loans | Not published |
| Ventura County, CA | 0 | Under 10 loans | 100.0% |
| Volusia County, FL | 0 | Under 10 loans | Not published |
| Fulton County, GA | 0 | Under 10 loans | Not published |
| Cook County, IL | 0 | Under 10 loans | Not published |
| Wayne County, IN | 0 | Under 10 loans | Not published |
| Highland County, OH | 0 | Under 10 loans | Not published |
| Morgan County, OH | 0 | Under 10 loans | Not published |
| Allegheny County, PA | 0 | Under 10 loans | Not published |
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When UNIVERSAL 1 CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.