Lender profile · HMDA 2023–2025
Universal 1 Credit Union mortgage approval rates & lending data
Universal 1 Credit Union decided 283 mortgage applications and funded 234 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Georgia | 100% | $45K | 5 | 5 |
| Florida | 67% | $65K | 3 | 2 |
| California | 0% | — | 1 | 0 |
| District of Columbia | 100% | $225K | 1 | 1 |
| Michigan | 100% | $175K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.