Universal 1 Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
50th9.8% deniedPricingmedian rate spread over APOR, weight 30%
11th1.04 ptsProcesswithdrawn + incomplete share, weight 15%
17th21.1%Closing coststotal loan costs ÷ loan amount, weight 10%
5th5.00% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 275 | 184 | 13.8% | 16.9% | 8.25% | $13M |
| 2024 | 281 | 189 | 12.8% | 15.8% | 8.25% | $17M |
| 2025 | 322 | 228 | 7.8% | 9.8% | 7.50% | $22M |
What Universal 1 Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 121 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 6 investment properties.
Why Universal 1 Credit Union denies applications
Primary reason reported for each of the 25 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Universal 1 Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 60 | 35 | 20.0% |
| $50k – $100k | 130 | 89 | 5.3% |
| $100k – $150k | 65 | 56 | 9.7% |
| $150k – $250k | 53 | 42 | 6.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 30 | 22 | 12.0% |
| 35–44 | 58 | 38 | 19.2% |
| 45–54 | 71 | 53 | 7.0% |
| 55–64 | 79 | 58 | 6.4% |
| 65–74 | 52 | 35 | 7.9% |
| Over 74 | 28 | 20 | 9.1% |
Where Universal 1 Credit Union lends
10 states and 44 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 309 | 224 | 7.8% | 7.50% | #186 |
Frequently asked questions
Universal 1 Credit Union denied 9.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 50th percentile of small mortgage lenders.
The most common reason Universal 1 Credit Union gave in 2025 was "debt-to-income ratio", cited on 40.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Universal 1 Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 1.04 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 13% of its applications were for home purchases, 13% for refinancing (including cash-out), and 74% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.