Mazuma Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, Mazuma Credit Union of Overland Park, KS reported 793 mortgage applications totaling $148.0 million, up 5% from 2018. The average application was for $186,664, and applicants reported an average income of $92,113. 55% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Kansas City, MO-KS (692), Lawrence, KS (10) and Topeka, KS (6) (applications in parentheses).
| Mortgage Company & Address | Mazuma Credit Union 7260 W 135th Street Overland Park, KS 66223 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 793 |
| Total Mortgage Loan Application Amount | $148,025,000 |
| Average Mortgage Loan Application Amount | $186,664 |
| Highest Mortgage Loan Application Amount | $785,000 |
| Average Applicant Income | $92,113 |
| Highest Applicant Income | $1,120,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mazuma Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kansas City, MO-KS | 692 | $ 129,870,000 | $ 187,673 | $ 89,930 |
| Outside any metro area | 35 | $ 5,365,000 | $ 153,285 | $ 93,857 |
| Lawrence, KS | 10 | $ 1,730,000 | $ 173,000 | $ 125,000 |
| Topeka, KS | 6 | $ 620,000 | $ 103,333 | $ 55,000 |
| St. Louis, MO-IL | 4 | $ 770,000 | $ 192,500 | $ 96,000 |
| Brownsville-Harlingen, TX | 3 | $ 925,000 | $ 308,333 | $ 168,000 |
| Dallas-Plano-Irving, TX | 3 | $ 835,000 | $ 278,333 | $ 119,000 |
| Manhattan, KS | 3 | $ 375,000 | $ 125,000 | $ 55,000 |
| Springfield, MO | 3 | $ 405,000 | $ 135,000 | $ 73,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 850,000 | $ 425,000 | $ 345,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 450,000 | $ 225,000 | $ 160,000 |
| Jacksonville, FL | 2 | $ 350,000 | $ 175,000 | $ 97,000 |
| Lincoln, NE | 2 | $ 300,000 | $ 150,000 | $ 336,000 |
| St. Joseph, MO-KS | 2 | $ 130,000 | $ 65,000 | $ 119,000 |
| Tucson, AZ | 2 | $ 390,000 | $ 195,000 | $ 94,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 395,000 | $ 395,000 | $ 150,000 |
| Chicago-Naperville, IL | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Columbia, MO | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 215,000 | $ 215,000 | $ 86,000 |
| Des Moines-West Des Moines, IA | 1 | $ 95,000 | $ 95,000 | $ 79,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 175,000 | $ 175,000 | $ 66,000 |
| Greensboro-High Point, NC | 1 | $ 345,000 | $ 345,000 | $ 137,000 |
| Jefferson City, MO | 1 | $ 135,000 | $ 135,000 | $ 109,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Memphis, TN-MS-AR | 1 | $ 205,000 | $ 205,000 | $ 50,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 395,000 | $ 395,000 | $ 99,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 265,000 | $ 265,000 | $ 59,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 195,000 | $ 195,000 | $ 70,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Tulsa, OK | 1 | $ 405,000 | $ 405,000 | $ 310,000 |
| Tyler, TX | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Wichita, KS | 1 | $ 215,000 | $ 215,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Mazuma Credit Union in 2019
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 | 310 | $59,820,000 | $192,000 | $785,000 | $88,000 | $551,000 |
| Cash-out Refinancing | 279 | $47,985,000 | $171,000 | $485,000 | $94,000 | $1,120,000 |
| Refinancing | 161 | $34,605,000 | $214,000 | $745,000 | $100,000 | $530,000 |
| Home Improvement | 43 | $5,615,000 | $130,000 | $285,000 | $80,000 | $174,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 435 | $85,155,000 | $195,000 | $785,000 | $97,000 | $551,000 |
| Black or African American | 154 | $25,380,000 | $164,000 | $485,000 | $81,000 | $261,000 |
| Not Provided | 153 | $28,015,000 | $183,000 | $505,000 | $88,000 | $231,000 |
| Hispanic | 33 | $5,495,000 | $166,000 | $395,000 | $102,000 | $1,120,000 |
| Asian | 9 | $2,655,000 | $295,000 | $445,000 | $93,000 | $170,000 |
| American Indian or Alaskan Native | 8 | $1,140,000 | $142,000 | $405,000 | $76,000 | $310,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $185,000 | $185,000 | $185,000 | $64,000 | $64,000 |
| Not applicable | 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) | 680 | $125,850,000 | $185,000 | $785,000 | $95,000 | $1,120,000 |
| FHA-insured (Federal Housing Administration) | 65 | $12,005,000 | $184,000 | $345,000 | $71,000 | $215,000 |
| VA-guaranteed (Veterans Administration) | 48 | $10,170,000 | $211,000 | $465,000 | $82,000 | $261,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 436 | $83,420,000 | $191,000 | $575,000 | $91,000 | $479,000 |
| Application Withdrawn By Applicant | 146 | $26,540,000 | $181,000 | $415,000 | $96,000 | $340,000 |
| Application Denied By Financial Institution | 89 | $14,255,000 | $160,000 | $505,000 | $71,000 | $231,000 |
| Application Approved But Not Accepted | 82 | $15,910,000 | $194,000 | $785,000 | $100,000 | $1,120,000 |
| File Closed For Incompleteness | 37 | $7,395,000 | $199,000 | $745,000 | $121,000 | $551,000 |
| Preapproval Denied by Financial Institution | 3 | $505,000 | $168,000 | $185,000 | $96,000 | $162,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 701 | $133,265,000 | $190,000 | $785,000 | $95,000 | $1,120,000 |
| Debt-To-Income Ratio | 34 | $5,870,000 | $172,000 | $395,000 | $53,000 | $163,000 |
| Credit History | 31 | $4,595,000 | $148,000 | $345,000 | $73,000 | $169,000 |
| Collateral | 20 | $3,230,000 | $161,000 | $505,000 | $102,000 | $231,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $385,000 | $128,000 | $245,000 | $51,000 | $96,000 |
| Unverifiable Information | 2 | $390,000 | $195,000 | $285,000 | $103,000 | $171,000 |
| Other | 1 | $115,000 | $115,000 | $115,000 | $72,000 | $72,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $62,000 | $62,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mazuma Credit Union's 2019 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 Mazuma 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.
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