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GOLDEN PLAINS CREDIT UNION
Credit Union|Garden City, KS|Regional
Loans Originated
216
Applications
471
Volume
$35 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Exceptional
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
-0.013%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$655
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
45.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 1.30 basis points below market average
- Lower than average lender fees
Report Card
GOLDEN PLAINS CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Regional · 2 metro areas · 2 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$164,630
Average Borrower Income
$100,676
Average Property Value
$206,296
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Exceptional | Mediocre | 200 | 92.6% | -0.013% | $655 |
USDA Loans | Sound | Strong | N/A | Sound | 16 | 7.4% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Exceptional | Acceptable | 196 | 90.7% | -0.035% | $642 |
Refinance | Acceptable | Acceptable | N/A | Sound | 20 | 9.3% | +0.187% | $776 |
Geographic Coverage
Metro Areas
1
States Served
2
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
KSSD
Top Metro Areas by Place Specialization Score
1
Wichita, KS, KSMSA
Volume: 11Mix: 5.09%
Place Specialization
Sound
Top States by Place Specialization Score
1
KSState
Volume: 215Mix: 99.54%
Place Specialization
Exceptional
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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