Universal 1 Credit Union in Ohio vs the state
7.8%Denial rate-9.92 pts vs state
9.6%Decision denial rate-12.25 pts vs state
72.5%Origination rate+12.59 pts vs state
7.50%Median rate+0.63 pts vs state
1.04Rate spread (pts)+0.65 pts vs state
$84kMedian applicant income
224Loans originated
24Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 267 | 181 | 13.5% | 8.25% | #176 |
| 2024 | 268 | 180 | 13.4% | 8.25% | #182 |
| 2025 | 309 | 224 | 7.8% | 7.50% | #186 |
What Universal 1 Credit Union lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Universal 1 Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 106 | 71 | 12 | 11.3% |
| Shelby County | 58 | 46 | 4 | 6.9% |
| Greene County | 44 | 27 | 5 | 11.4% |
| Miami County | 18 | 15 | 0 | 0.0% |
| Ross County | 17 | 13 | 1 | 5.9% |
| Warren County | 13 | 10 | 0 | 0.0% |
| Clark County | 8 | 8 | 0 | 0.0% |
| Fairfield County | 4 | 3 | 0 | 0.0% |
| Pickaway County | 4 | 3 | 0 | 0.0% |
| Clinton County | 3 | 2 | 1 | 33.3% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 309 applications in 2025, of which 224 were originated and 24 denied.
7.8% of all applications, or 9.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Universal 1 Credit Union originated in Ohio in 2025 was 7.50%, against a statewide median of 6.88%.
About this data. Figures are Universal 1 Credit Union's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology