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GREAT PLAINS FEDERAL CREDIT UNION

JOPLIN, MO

GREAT PLAINS FEDERAL CREDIT UNION processed 61 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 43 loans with a 26.2% denial rate. Other was the primary loan purpose. Based in JOPLIN, MO. The approval rate of 70.5% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. GREAT PLAINS FEDERAL CREDIT UNION processed 61 HMDA-reported mortgage applications in 2024, originating 43 loans and denying 16 for a denial rate of 26.2%. The average loan amount was $90,082 at a 7.498% average note rate, and applicants self-reported an average income of $27,000. The lender reports under LEI 5493001HOQL7ZEKTRZ55 from JOPLIN, MO.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. GREAT PLAINS FEDERAL CREDIT UNION's 70.5% origination rate tells you how often an application turned into funded money; the 26.2% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (61 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

61
Applications
43
Originated
26.2%
Denial Rate
$90,082
Avg Loan Amount
Avg Interest Rate: 7.498% Avg Applicant Income: $27,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 61 43 16 $90,082

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for GREAT PLAINS FEDERAL CREDIT UNION (LEI: 5493001HOQL7ZEKTRZ55) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
7
Credit history
5
Collateral
4
Other
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Other 25 19 $42,200
Home Purchase 18 13 $132,222
Cash-out Refinancing 14 9 $134,286
Refinancing 4 2 $45,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 54 70.4% 25.9%
Joint 3 66.7% 33.3%
Black or African American 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 53 73.6% 22.6%
Hispanic or Latino 5 40.0% 60.0%

Nearby Lenders in MO

Other HMDA-reporting lenders in MO with similar activity. Compare any two side-by-side.

Mortgage Research Center

Columbia, MO

147,700 apps 73,759 originated 15.9% denied

NBKC BANK

KANSAS CITY, MO

18,437 apps 7,830 originated 6.9% denied

FLAT BRANCH MORTGAGE, INC.

COLUMBIA, MO

17,606 apps 13,902 originated 1.5% denied

DAS ACQUISITION COMPANY, LLC

SAINT LOUIS, MO

12,120 apps 7,831 originated 2.1% denied

THE CENTRAL TRUST BANK

JEFFERSON CITY, MO

11,306 apps 7,513 originated 8.9% denied
Compare GREAT PLAINS FEDERAL CREDIT UNION vs Mortgage Research Center →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did GREAT PLAINS FEDERAL CREDIT UNION process?
GREAT PLAINS FEDERAL CREDIT UNION processed 61 mortgage applications in the 2023 HMDA reporting year. Of these, 43 were originated (approved and funded), and 16 were denied.
What is GREAT PLAINS FEDERAL CREDIT UNION's mortgage approval rate?
GREAT PLAINS FEDERAL CREDIT UNION has an approval (origination) rate of 70.5%, meaning 70.5% of all applications resulted in a funded mortgage. The denial rate is 26.2%.
What is the average loan amount at GREAT PLAINS FEDERAL CREDIT UNION?
The average mortgage loan amount at GREAT PLAINS FEDERAL CREDIT UNION is $90,082. The average interest rate is 7.498%. The average applicant income is $27,000.
What are the most common reasons for mortgage denial at GREAT PLAINS FEDERAL CREDIT UNION?
The most common reasons for mortgage denial at GREAT PLAINS FEDERAL CREDIT UNION are: Debt-to-income ratio, Credit history, Collateral. In total, 16 applications were denied out of 61 total applications.
What types of mortgage loans does GREAT PLAINS FEDERAL CREDIT UNION offer?
GREAT PLAINS FEDERAL CREDIT UNION processes Conventional loans. The most common type is Conventional with 61 applications and an average loan amount of $90,082.
What loan purposes does GREAT PLAINS FEDERAL CREDIT UNION serve?
GREAT PLAINS FEDERAL CREDIT UNION serves the following loan purposes: Other (25 applications), Home Purchase (18 applications), Cash-out Refinancing (14 applications), Refinancing (4 applications). Other is the most common purpose.
Where is GREAT PLAINS FEDERAL CREDIT UNION located?
GREAT PLAINS FEDERAL CREDIT UNION is headquartered in JOPLIN, MO. The lender is identified by LEI 5493001HOQL7ZEKTRZ55 in HMDA data.
How does GREAT PLAINS FEDERAL CREDIT UNION compare in lending across racial demographics?
GREAT PLAINS FEDERAL CREDIT UNION reports demographic lending data under HMDA requirements. White applicants have an approval rate of 70.4% and denial rate of 25.9%; Joint applicants have an approval rate of 66.7% and denial rate of 33.3%; Black or African American applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.