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 score and performance metrics.

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 an overall pricing score of 91.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Golden Plains Credit Union?

Golden Plains Credit Union is a Credit Union headquartered in Garden City, KS.

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Golden Plains Credit Union

Credit Union•Garden City, KSHQ•Direct•Reviews near you on Google

Golden Plains Credit Union has 216 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · USDA

Place

Sound

3/5

Regional · 1 mkts

Summary

What They Do Well

Offers rates 1.30 basis points below market average
Lower than average lender fees

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Report Card

Golden Plains Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 1.3 bps below market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Exceptional	Mediocre	200	92.6%	-0.013%Below	$655Fees
USDA Loans	Strong	Strong	—	Sound	16	7.4%	—	—

Conventional

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Mediocre

Volume200

Mix92.6%

Spread

-0.013%Below

Fees

$655Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Sound

Volume16

Mix7.4%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Exceptional	Acceptable	196	90.7%	-0.035%Below	$642Fees
Refinance	Acceptable	Acceptable	—	Sound	20	9.3%	+0.187%Above	$776Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Acceptable

Volume196

Mix90.7%

Spread

-0.035%Below

Fees

$642Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume20

Mix9.3%

Spread

+0.187%Above

Fees

$776Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

216

Applications

471

Volume

$35 million

Pricing & Closing

Avg Rate Spread

-0.013%

vs. market APOR

Avg Net Fees

$655

Origination − Credits

Pullthrough Rate

45.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$164,630

Avg Borrower Income

$100,676

Avg Property Value

$206,296

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Midwest2

KSSD

Top Metro Areas by Place Specialization Score

Wichita, KSMetro

Volume 11Mix 5.09% of portfolio

45/100

Sound

Top States by Place Specialization Score

KansasState

Volume 215Mix 99.54% of portfolio

86/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.