Universal 1 Credit Union mortgage approval rate & lending review
Universal 1 Credit Union decided 283 mortgage applications and funded 234 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Universal 1 Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Universal 1 Credit Union at a glance
Approval is 14.2 points above the 71.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 58 / 66 | 91% | $145K | 53 |
| Home improvement loans | 89% | 139 / 157 | 100% | $45K | 139 |
| Refinance | 86% | 30 / 35 | 100% | $85K | 30 |
Universal 1 Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 85% | $45K | 272 | 225 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Universal 1 Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Montgomery County, OH | Home improvement loans | 86% | 86 | 74 |
| Greene County, OH | Home improvement loans | 92% | 25 | 23 |
| Montgomery County, OH | Refinance | 81% | 21 | 17 |
The county markets where Universal 1 Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Universal 1 Credit Union
What is Universal 1 Credit Union's mortgage approval rate?
Universal 1 Credit Union approved 85.2% of the 283 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.2 points above the 71.0% national rate for the same mix of loan types.
How often do borrowers take the loan Universal 1 Credit Union offers?
Borrowers accepted 97% of the loans Universal 1 Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Universal 1 Credit Union make?
The typical home improvement loan loan Universal 1 Credit Union made was $45K; across all loan types its typical loan ran from $45K to $145K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Universal 1 Credit Union lend?
Universal 1 Credit Union decided applications in 6 of the states Fat Boy Data covers, most of them in Ohio, Georgia and Florida.
Can I apply to Universal 1 Credit Union directly?
Yes. Universal 1 Credit Union is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Universal 1 Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Universal 1 Credit Union treats applications, then get a rate quote from the lender.