Golden Plains Mortgage Rates, Fees & Info
Garden City, KSLEI: 5493003P55WOWIBVUF09
Tax ID: 48-0587457
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Mortgage Data
Review & Overview
Golden Plains is a smaller mortgage company specializing in Home Purchase loans. Golden Plains has a high proportion of conventional loans. Their top markets by origination volume include: Garden City, Hays, Wichita, Liberal, and Dodge City among others. We have data for 20 markets. (Some data included below & more in-depth data is available with an active subscription.)Golden Plains has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Golden Plains is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
---|---|---|
Home Equity Line of Credit (HELOC) | 8.73% | 10/31/24 |
30 Year Conventional Purchase | 6.70% | 10/31/24 |
30 Year Conventional Refi | 6.79% | 10/31/24 |
30 Year Cash-out Refi | 6.81% | 10/31/24 |
30 Year USDA Purchase | 6.60% | 10/31/24 |
15 Year Conventional Purchase | 6.15% | 10/31/24 |
15 Year Conventional Refi | 6.09% | 10/31/24 |
15 Year Cash-out Refi | 6.09% | 10/31/24 |
15 Year USDA Purchase | 5.68% | 10/31/24 |
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. |
Golden Plains Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
652Origination Dollar Volume (All Markets)
$64,760,000GOLDEN PLAINS - 2022
GOLDEN PLAINS is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Garden City, KS (FHA|USDA|VA) | 183 | $19,775,000 | $108,060 | $1,547 | 4.98% |
Outside of Metro Areas | 169 | $16,355,000 | $96,775 | $2,174 | 5.08% |
Hays, KS (FHA|USDA|VA) | 91 | $12,125,000 | $133,242 | $2,830 | 4.88% |
WICHITA, KS (FHA|USDA|VA) | 87 | $7,045,000 | $80,977 | $1,604 | 4.76% |
Liberal, KS (FHA|USDA|VA) | 44 | $2,860,000 | $65,000 | $1,621 | 5.22% |
Dodge City, KS (FHA|USDA|VA) | 28 | $2,550,000 | $91,071 | $1,579 | 5.20% |
Parsons, KS (FHA|USDA|VA) | 12 | $660,000 | $55,000 | $1,699 | 4.60% |
KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $1,731 | 4.37% |
Great Bend, KS (FHA|USDA|VA) | 7 | $575,000 | $82,143 | $2,361 | 3.50% |
Hutchinson, KS (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $1,747 | 6.17% |
Salina, KS (FHA|USDA|VA) | 4 | $290,000 | $72,500 | $1,595 | 6.38% |
MANHATTAN, KS (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $1,730 | 5.06% |
TOPEKA, KS (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,009 | 4.13% |
McPherson, KS (FHA|USDA|VA) | 5 | $235,000 | $47,000 | $1,682 | 4.66% |
Winfield, KS (FHA|USDA|VA) | 5 | $215,000 | $43,000 | $1,494 | 5.35% |
Coffeyville, KS (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,380 | 5.38% |
Pittsburg, KS (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $1,950 | 4.31% |
Atchison, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,618 | 5.25% |
LAWRENCE, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.99% |
Ottawa, KS (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 6.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against GOLDEN PLAINS based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 34
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Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 334 | $48,780,000 | $146,048 | $1,900 | 4.74% |
HELOC | 288 | $12,480,000 | $43,333 | n/a | 5.32% |
USDA | 30 | $3,500,000 | $116,667 | $3,423 | 4.42% |
For 2022, Golden Plains's most frequently originated type of loan was Conventional, with 334 originations. Their 2nd most popular type was HELOC, with 288 originations.
Loan Reason
For 2022, Golden Plains's most frequently cited loan purpose was Home Purchase, with 383 originations. The 2nd most popular reason was Home Improvement, with 81 originations.
Loan Duration/Length
For 2022, Golden Plains's most frequently cited loan duration was 15 Year, with 246 originations. The 2nd most popular length was 30 Year, with 243 originations.
Origination Fees/Closing Costs
Golden Plains's average total fees were $2,167, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 336 originations.
Interest Rates
During 2022, Golden Plains's average interest rate for loans was 4.93%, while their most frequently originated rate bucket for loans was 5-6%, with 248 originations.
Loan Sizing
2022 saw Golden Plains place emphasis on $100,000 or less loans with 396 originations, totaling $18,760,000 in origination value.
Applicant Income
Golden Plains lent most frequently to those with incomes in the $50k-75k range, with 167 originations. The second most popular income band? $50k or less, with 147 originations.
Applicant Debt to Income Ratio
Golden Plains lent most frequently to those with DTI ratios of 20-30%, with 182 originations. The next most common DTI ratio? 30-36%, with 158 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.33%
Golden Plains has a below average approval rate.
Pick Rate
Approvals leading to origination77.15%
Golden Plains has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
NA | 652 | $64,760,000 | $99,325 |
LTV Distribution
Complaints
Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
Guild Mortgage Company LLC | FHA mortgage | Struggling to pay mortgage | 1 | 100.0% |