# GOLDEN PLAINS CREDIT UNION

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


GOLDEN PLAINS CREDIT UNION is a credit union, headquartered in Garden City, KS, serving borrowers across 2 states, with 216 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 9% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 59% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493003P55WOWIBVUF09
- **Headquarters:** Garden City, KS
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KS, SD
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.8%
- **Brokered/Wholesale:** 0.2%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 91/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.013%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $655
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 216
- **Dollar Volume:** $36 million
- **Applications Received:** 471
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $164,630
- **Average Borrower Income:** $100,676
- **Average Property Value:** $206,296

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 40/100 | 200 | -0.013% | $655 | Sound ☺️ |
| USDA | 74/100 | 16 | - | - | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 180 loans, Score: 42/100 (Sound)
- Refinance: 20 loans, Score: 36/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 41/100 | 196 | $33M | -0.035% | Sound ☺️ |
| Refinance | 34/100 | 20 | $3M | +0.187% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 215 | 0.72% | 86/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 203 | 69/100 |
| Wichita, KS | KS | 11 | 45/100 |

## Where This Lender Ranks

GOLDEN PLAINS CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Kansas Credit Unions
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Kansas for USDA Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/usda-loans)
- 🏆 **#10** in Kansas for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#15** in Kansas
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does GOLDEN PLAINS CREDIT UNION offer?

GOLDEN PLAINS CREDIT UNION offers the following mortgage loan types: Conventional, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GOLDEN PLAINS CREDIT UNION offer mortgages?

GOLDEN PLAINS CREDIT UNION offers mortgages in 2 states: KS, SD.

### How competitive are GOLDEN PLAINS CREDIT UNION's mortgage rates?

GOLDEN PLAINS CREDIT UNION has a pricing score of 91/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.013% below market average.

### What type of lender is GOLDEN PLAINS CREDIT UNION?

GOLDEN PLAINS CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Garden City, KS.

### What is GOLDEN PLAINS CREDIT UNION's loan approval success rate?

GOLDEN PLAINS CREDIT UNION has a pull-through score of 41/100 (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/golden-plains-credit-union

### How to Cite

> "GOLDEN PLAINS CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/golden-plains-credit-union

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