Azura Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Azura Credit Union 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Azura Credit Union 610 Sw 10Th Avenue Topeka, KS 66612 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 590 |
| Total Mortgage Loan Application Amount | $60,510,000 |
| Average Mortgage Loan Application Amount | $79,200 |
| Highest Mortgage Loan Application Amount | $675,000 |
| Average Applicant Income | $90,200 |
| Highest Applicant Income | $636,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Azura Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Azura Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Azura Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Azura Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Azura Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Azura Credit Union's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Shawnee County Kansas | 257 | $ 20,685,000 | $ 80,000 | $ 88,000 |
| Johnson County Kansas | 26 | $ 1,670,000 | $ 64,000 | $ 110,000 |
| Jefferson County Kansas | 18 | $ 1,670,000 | $ 92,000 | $ 84,000 |
| Osage County Kansas | 17 | $ 1,485,000 | $ 87,000 | $ 82,000 |
| Jackson County Kansas | 14 | $ 970,000 | $ 69,000 | $ 83,000 |
| Jackson County Missouri | 9 | $ 885,000 | $ 98,000 | $ 111,000 |
| Wabaunsee County Kansas | 7 | $ 495,000 | $ 70,000 | $ 108,000 |
| Wyandotte County Kansas | 7 | $ 375,000 | $ 53,000 | $ 106,000 |
| Douglas County Kansas | 6 | $ 610,000 | $ 101,000 | $ 104,000 |
| Brown County Kansas | 5 | $ 265,000 | $ 53,000 | $ 36,000 |
| Leavenworth County Kansas | 5 | $ 485,000 | $ 97,000 | $ 83,000 |
| Franklin County Kansas | 4 | $ 420,000 | $ 105,000 | $ 83,000 |
| Pottawatomie County Kansas | 4 | $ 310,000 | $ 77,000 | $ 93,000 |
| Atchison County Kansas | 3 | $ 575,000 | $ 191,000 | $ 191,000 |
| Coffey County Kansas | 3 | $ 235,000 | $ 78,000 | $ 82,000 |
| Geary County Kansas | 3 | $ 185,000 | $ 61,000 | $ 195,000 |
| Lyon County Kansas | 3 | $ 245,000 | $ 81,000 | $ 30,000 |
| Clay County Missouri | 3 | $ 385,000 | $ 128,000 | $ 136,000 |
| Anderson County Kansas | 2 | $ 110,000 | $ 55,000 | $ 42,000 |
| Dickinson County Kansas | 2 | $ 180,000 | $ 90,000 | $ 46,000 |
| Nemaha County Kansas | 2 | $ 150,000 | $ 75,000 | $ 81,000 |
| Riley County Kansas | 2 | $ 400,000 | $ 200,000 | $ 110,000 |
| Platte County Missouri | 2 | $ 260,000 | $ 130,000 | $ 72,000 |
| Pinal County Arizona | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Cobb County Georgia | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| Cherokee County Kansas | 1 | $ 25,000 | $ 25,000 | $ 47,000 |
| Miami County Kansas | 1 | $ 265,000 | $ 265,000 | $ 85,000 |
| Morris County Kansas | 1 | $ 165,000 | $ 165,000 | $ 116,000 |
| Rooks County Kansas | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Sedgwick County Kansas | 1 | $ 105,000 | $ 105,000 | $ 138,000 |
| Sumner County Kansas | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Cass County Missouri | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Jasper County Missouri | 1 | $ 55,000 | $ 55,000 | $ 23,000 |
| Delaware County Oklahoma | 1 | $ 275,000 | $ 275,000 | $ 433,000 |
Mortgage Loan Application Detail Totals for Azura Credit Union in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 280 | $41,610,000 | $148,000 | $675,000 | $81,000 | $636,000 |
| Home Improvement | 93 | $4,015,000 | $43,000 | $105,000 | $111,000 | $390,000 |
| Other Purpose | 73 | $3,215,000 | $44,000 | $205,000 | $81,000 | $334,000 |
| Refinancing | 73 | $6,385,000 | $87,000 | $655,000 | $87,000 | $220,000 |
| Cash-out Refinancing | 71 | $5,285,000 | $74,000 | $255,000 | $91,000 | $456,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 404 | $38,500,000 | $95,000 | $655,000 | $91,000 | $636,000 |
| Not Provided | 91 | $11,165,000 | $122,000 | $525,000 | $91,000 | $636,000 |
| Hispanic | 52 | $6,170,000 | $118,000 | $285,000 | $75,000 | $355,000 |
| Black or African American | 27 | $3,035,000 | $112,000 | $675,000 | $75,000 | $370,000 |
| American Indian or Alaskan Native | 11 | $1,385,000 | $125,000 | $225,000 | $71,000 | $158,000 |
| Not applicable | 3 | $15,000 | $5,000 | $5,000 | $0 | $0 |
| Asian | 2 | $240,000 | $120,000 | $125,000 | $44,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 554 | $55,320,000 | $99,000 | $675,000 | $88,000 | $636,000 |
| FHA-insured (Federal Housing Administration) | 22 | $2,620,000 | $119,000 | $275,000 | $67,000 | $276,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,640,000 | $205,000 | $385,000 | $155,000 | $636,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $930,000 | $155,000 | $245,000 | $64,000 | $126,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 198 | $28,840,000 | $145,000 | $675,000 | $87,000 | $636,000 |
| Loan Originated | 174 | $10,620,000 | $61,000 | $435,000 | $110,000 | $433,000 |
| Application Denied By Financial Institution | 172 | $14,420,000 | $83,000 | $395,000 | $69,000 | $355,000 |
| Application Approved But Not Accepted | 21 | $3,115,000 | $148,000 | $505,000 | $94,000 | $344,000 |
| File Closed For Incompleteness | 20 | $2,510,000 | $125,000 | $455,000 | $64,000 | $397,000 |
| Preapproval Approved but not Accepted | 4 | $730,000 | $182,000 | $385,000 | $77,000 | $181,000 |
| Preapproval Denied by Financial Institution | 1 | $275,000 | $275,000 | $275,000 | $122,000 | $122,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 417 | $45,815,000 | $109,000 | $675,000 | $96,000 | $636,000 |
| Credit History | 103 | $8,655,000 | $84,000 | $295,000 | $74,000 | $355,000 |
| Debt-To-Income Ratio | 53 | $4,725,000 | $89,000 | $395,000 | $57,000 | $123,000 |
| Other | 5 | $235,000 | $47,000 | $55,000 | $86,000 | $125,000 |
| Employment History | 4 | $430,000 | $107,000 | $245,000 | $78,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $305,000 | $101,000 | $175,000 | $47,000 | $78,000 |
| Collateral | 3 | $215,000 | $71,000 | $135,000 | $142,000 | $226,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 1 | $65,000 | $65,000 | $65,000 | $80,000 | $80,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Azura Credit Union's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Azura Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kansas, download the full spreadsheet
with aggregated HMDA statistics today.