# Mazuma Credit Union

> **Canonical URL:** https://saferate.com/lenders/mazuma-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

Mazuma Credit Union is a credit union, headquartered in Overland Park, KS, serving borrowers across 5 states, with 150 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 53% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300JDDZ5OVOP5E294
- **Headquarters:** Overland Park, KS
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AR, KS, MO, NC, OK
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.505%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,382
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 150
- **Dollar Volume:** $38 million
- **Applications Received:** 304
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $252,133
- **Average Borrower Income:** $112,033

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 119 | +0.497% | $1,321 | Acceptable 🙂 |
| FHA | 55/100 | 25 | +0.669% | $1,540 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 81 loans, Score: 35/100 (Acceptable)
- Refinance: 38 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 38/100 | 101 | $27M | +0.452% | Acceptable 🙂 |
| Refinance | 50/100 | 49 | $11M | +0.617% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 124 | 0.17% | 70/100 |
| KS | 22 | 0.07% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Kansas City, MO | MO-KS | 135 | 75/100 |

## Frequently Asked Questions

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

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

### Where does Mazuma Credit Union offer mortgages?

Mazuma Credit Union offers mortgages in 5 states: AR, KS, MO, NC, OK.

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

Mazuma Credit Union has a pricing score of 47/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.505% above market average.

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

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

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

Mazuma Credit Union has a pull-through score of 44/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/mazuma-credit-union

### How to Cite

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

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