Purchase Originations
186
Median Total Costs
$2,088
−68.7% vs national ($6,680)
↓ $1 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$600
Median Lender Credits
$40
Denial Rate
21.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 168 | 6.375% | $1,903 | $600 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Kansas | 186 | 6.375% | $2,088 | #39 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,609 | 6.500% | — | 2 | −$479 | |
| 2 | $1,622 | 6.375% | — | 2 | −$466 | |
| 3 | $1,672 | 6.125% | — | 6 | −$416 | |
| 4 | $1,675 | 6.500% | — | 7 | −$413 | |
| 5 | $1,705 | 6.562% | — | 10 | −$383 | |
| 6 | $1,725 | 6.375% | — | 37 | −$363 | |
| 7 | $1,730 | 6.625% | — | 5 | −$358 | |
| 8 | $1,905 | 6.375% | — | 4 | −$183 | |
| 9 | $1,955 | 6.375% | — | 3 | −$133 | |
| 10 | $2,054 | 6.625% | — | 4 | −$34 | |
| 11 | $2,162 | 6.312% | — | 4 | +$74 | |
| 12 | $2,271 | 6.250% | — | 2 | +$183 | |
| 13 | $2,316 | 6.375% | — | 4 | +$228 | |
| 14 | $2,461 | 6.375% | — | 5 | +$373 | |
| 15 | $2,536 | 6.312% | — | 2 | +$448 | |
| 16 | $2,564 | 6.250% | — | 37 | +$476 | |
| 17 | $2,598 | 6.312% | — | 4 | +$510 | |
| 18 | $2,707 | 6.500% | — | 7 | +$619 | |
| 19 | $2,718 | 6.375% | — | 9 | +$630 | |
| 20 | $3,183 | 6.250% | — | 3 | +$1,095 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Golden Plains Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $165,000 | $335,000 | −$170,000 (−50.7%) |
| Median total closing costs | $2,088 | $7,127 | −$5,039 (−70.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.