Azura 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%
1st54.1% deniedPricingmedian rate spread over APOR, weight 30%
19th0.71 ptsProcesswithdrawn + incomplete share, weight 15%
4th31.6%Closing coststotal loan costs ÷ loan amount, weight 10%
89th0.84% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 585 | 174 | 29.4% | 46.9% | 8.50% | $11M |
| 2024 | 774 | 387 | 19.6% | 23.5% | 7.75% | $31M |
| 2025 | 646 | 121 | 37.0% | 54.1% | 7.50% | $7.0M |
What Azura 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: 187 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 13 investment properties.
Why Azura Credit Union denies applications
Primary reason reported for each of the 239 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Azura 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 | 124 | 16 | 70.2% |
| $50k – $100k | 249 | 46 | 55.7% |
| $100k – $150k | 104 | 27 | 39.0% |
| $150k – $250k | 61 | 23 | 26.8% |
| Over $250k | 24 | 2 | 50.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 51 | 0 | 60.7% |
| 25–34 | 132 | 15 | 48.8% |
| 35–44 | 142 | 30 | 58.6% |
| 45–54 | 138 | 26 | 55.8% |
| 55–64 | 90 | 27 | 50.0% |
| 65–74 | 71 | 14 | 60.0% |
| Over 74 | 22 | 9 | 26.7% |
Where Azura Credit Union lends
5 states and 32 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Azura Credit Union denied 54.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 1st percentile of small mortgage lenders.
The most common reason Azura Credit Union gave in 2025 was "credit history", cited on 44.8% 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 Azura Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.71 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 45% of its applications were for home purchases, 29% for refinancing (including cash-out), and 26% for home improvement or other purposes. By loan type: 93% conventional, 7% FHA, 0% 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.