Big in rural Kansas
It ranks 8 of 398 lenders in non-metro Kansas, where it has lent since 1998; Rocket Mortgage ranks first. Elsewhere its shares are small. In Wichita it ranks 87 of 367.
Applications / Mortgage Analytics / Lenders / Kansas / Golden Plains Credit Union
Golden Plains Credit Union
Garden City, KS · Credit union · NCUA · $977 million assets · 430 loans in 2025
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430
loans originated, 2025
694
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Golden Plains Credit Union is one of the biggest lenders in non-metro Kansas, ranking 8 of 398. But its loans fell 15% to 430 in 2025 while similar lenders grew.
Rural loans, diverse neighborhoods
Loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS) were 4.2% of its lending; at the typical similar lender (credit unions making between half and twice as many loans) the share was 0.0%. Neighborhoods where most residents belong to minorities took 26.1% of its loans, against 10.8%, higher than at about seven in ten peers. Borrowers with low or moderate incomes took 26.9%, near the middle.
Lower prices than its peers
Its typical rate was 6.62%, against 6.99% at similar lenders. Only 0.7% of its loans were higher-priced (a rate well above the average for similar loans), against 1.9%.
Shrinking while peers grew
Its loans fell 15%, while similar lenders grew 7% and the whole market 10%. It made 1,178 loans in 2020 and fewer in each year since. Yet the value of its loans rose, to $53.8 million, as its typical loan grew to $105,000 from $75,000.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
430 loans in 2025, against a peak of 1,178 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Golden Plains Credit Union took 694 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
47.7% of its 2025 loans were purchase loans; 95.8% were conventional loans.
Purchase 47.7% · Refinance 27.7% · Other 15.6% · Home improvement 9.1%
Conventional 95.8% · USDA (RHS or FSA) 4.2% · of 430 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
1 state, 5 metros, 58 counties
| State | Loans | Share |
|---|---|---|
| Kansas | 430 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Wichita | 60 |
| Kansas City | 2 |
| Lawrence | 2 |
| Joplin | 1 |
| Topeka | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003P55WOWIBVUF09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 623098 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562542 | 2012–2017 |
Established 1 January 1951. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Golden Plains Credit Union's data.
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