# Azura Credit Union

> **Canonical URL:** https://saferate.com/lenders/azura-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Azura Credit Union is a credit union, headquartered in Topeka, KS, serving borrowers across 2 states, with 121 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 52% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300CPT4UV65RIEU74
- **Headquarters:** Topeka, KS
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KS, MO
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.592%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $534
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 121
- **Dollar Volume:** $16 million
- **Applications Received:** 392
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $136,322
- **Average Borrower Income:** $90,868
- **Average Property Value:** $203,595

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 121 | +0.592% | $534 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 58 loans, Score: 46/100 (Sound)
- Refinance: 63 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 45/100 | 58 | $11M | +0.450% | Sound ☺️ |
| Refinance | 66/100 | 63 | $5M | +0.729% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 118 | 0.39% | 79/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Topeka, KS | KS | 102 | 87/100 |

## Where This Lender Ranks

Azura Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Topeka, KS for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Kansas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#9** in Kansas Credit Unions
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/credit-unions)
- 🏆 **#12** in Topeka, KS
  - [View Full Rankings](https://saferate.com/topeka-ks/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Azura Credit Union offer?

Azura Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Azura Credit Union offer mortgages?

Azura Credit Union offers mortgages in 2 states: KS, MO.

### How competitive are Azura Credit Union's mortgage rates?

Azura Credit Union has a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.592% above market average.

### What type of lender is Azura Credit Union?

Azura Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Topeka, KS.

### What is Azura Credit Union's loan approval success rate?

Azura Credit Union has a pull-through score of 52/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/azura-credit-union

### How to Cite

> "Azura Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/azura-credit-union

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