Azura Credit Union in Kansas vs the state
43.6%Denial rate+28.55 pts vs state
54.6%Decision denial rate+36.27 pts vs state
33.2%Origination rate-30.58 pts vs state
7.50%Median rate+0.88 pts vs state
0.71Rate spread (pts)+0.41 pts vs state
$80kMedian applicant income
119Loans originated
156Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 561 | 168 | 28.9% | 8.50% | #34 |
| 2024 | 752 | 381 | 19.3% | 7.75% | #28 |
| 2025 | 358 | 119 | 43.6% | 7.50% | #71 |
What Azura Credit Union lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Azura Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shawnee County | 216 | 82 | 94 | 43.5% |
| Johnson County | 35 | 11 | 15 | 42.9% |
| Osage County | 20 | 8 | 10 | 50.0% |
| Jefferson County | 18 | 1 | 9 | 50.0% |
| Wyandotte County | 12 | 2 | 6 | 50.0% |
| Wabaunsee County | 12 | 2 | 8 | 66.7% |
| Jackson County | 10 | 5 | 3 | 30.0% |
| Douglas County | 6 | 2 | 3 | 50.0% |
| Franklin County | 6 | 2 | 2 | 33.3% |
| Pottawatomie County | 3 | 1 | 0 | 0.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 358 applications in 2025, of which 119 were originated and 156 denied.
43.6% of all applications, or 54.6% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Azura Credit Union originated in Kansas in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Azura Credit Union's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology