Sunflower Bank Mortgage Rates, Fees & Info

Denver, CO

LEI: 2549008TT6UNYR7AXF54

Tax ID: 48-0216075

5 stars - Updated: 10/13/24 - out of 5 stars, based on 51 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Sunflower Bank is a smaller bank specializing in Home Purchase loans. Sunflower Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Spokane, Phoenix, Dallas, San Antonio, and Denver among others. We have data for 192 markets. (Some data included below & more in-depth data is available with an active subscription.)

Sunflower Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Sunflower Bank is typically a high 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 relatively high 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.36% 10/13/24
30 Year Conventional Refi 6.10% 10/13/24
30 Year Cash-out Refi 6.66% 10/13/24
30 Year FHA Purchase 7.02% 10/13/24
30 Year FHA Refi 6.68% 10/13/24
30 Year VA Purchase 5.88% 10/13/24
30 Year VA Refi 6.21% 10/13/24
30 Year USDA Purchase 6.62% 10/13/24
15 Year Conventional Purchase 6.16% 10/13/24
15 Year Conventional Refi 6.17% 10/13/24
15 Year Cash-out Refi 6.17% 10/13/24
15 Year FHA Purchase 5.68% 10/13/24
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.

Sunflower Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Sunflower Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,618

Origination Dollar Volume (All Markets)

$923,690,000
Show all (14) awards

Relative Rate

Sunflower Bank's average 30 year fixed mortgage rate was 6.44%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.04%.

Relative Fees (Closing Costs)

Sunflower Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $9,235.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

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
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 461 $152,735,000 $331,312 $9,890 6.29%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 218 $103,220,000 $473,486 $9,996 6.24%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 276 $99,330,000 $359,891 $9,426 6.56%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 198 $69,960,000 $353,333 $10,535 5.97%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 96 $53,770,000 $560,104 $5,873 6.59%
BOISE CITY, ID (FHA|USDA|VA) 126 $43,300,000 $343,651 $9,979 6.80%
Outside of Metro Areas 116 $30,970,000 $266,983 $7,045 6.54%
ALBUQUERQUE, NM (FHA|USDA|VA) 90 $26,510,000 $294,556 $7,971 6.45%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 60 $24,820,000 $413,667 $10,194 5.96%
EL PASO, TX (FHA|USDA|VA) 73 $19,595,000 $268,425 $10,304 6.38%
Outside of Metro Areas 39 $18,995,000 $487,051 $10,758 6.52%
SANTA FE, NM (FHA|USDA|VA) 45 $17,455,000 $387,889 $6,752 6.56%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 33 $15,725,000 $476,515 $14,438 6.59%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 45 $14,545,000 $323,222 $11,448 6.57%
KANSAS CITY, MO-KS (FHA|USDA|VA) 46 $13,490,000 $293,261 $6,429 6.53%
WICHITA, KS (FHA|USDA|VA) 52 $10,420,000 $200,385 $5,588 6.25%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 29 $9,815,000 $338,448 $11,607 6.36%
LAWRENCE, KS (FHA|USDA|VA) 35 $8,775,000 $250,714 $5,344 6.64%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 29 $8,555,000 $295,000 $5,169 6.97%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 14 $7,560,000 $540,000 $17,616 6.23%
BOULDER, CO (FHA|USDA|VA) 12 $7,240,000 $603,333 $5,493 5.74%
Los Alamos, NM (FHA|USDA|VA) 17 $7,215,000 $424,412 $8,355 6.57%
Hays, KS (FHA|USDA|VA) 33 $6,255,000 $189,545 $4,251 6.19%
Pullman, WA (FHA|USDA|VA) 18 $5,470,000 $303,889 $9,095 6.60%
FLINT, MI (FHA|USDA|VA) 28 $5,080,000 $181,429 $4,558 7.02%
Salina, KS (FHA|USDA|VA) 28 $5,080,000 $181,429 $3,815 6.65%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 8 $4,630,000 $578,750 $14,951 6.28%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 9 $4,385,000 $487,222 $14,148 5.80%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $4,035,000 $1,345,000 $23,840 6.62%
MANHATTAN, KS (FHA|USDA|VA) 22 $3,940,000 $179,091 $5,308 5.91%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $3,830,000 $957,500 $21,695 6.88%
Sandpoint, ID (FHA|USDA|VA) 8 $3,540,000 $442,500 $11,623 6.72%
Edwards, CO (FHA|USDA|VA) 4 $3,230,000 $807,500 $4,209 5.94%
Dodge City, KS (FHA|USDA|VA) 15 $3,005,000 $200,333 $5,727 6.70%
Glenwood Springs, CO (FHA|USDA|VA) 1 $2,955,000 $2,955,000 $9,540 6.99%
RALEIGH-CARY, NC (FHA|USDA|VA) 7 $2,885,000 $412,143 $7,507 6.87%
Payson, AZ (FHA|USDA|VA) 3 $2,645,000 $881,667 $8,407 7.04%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 9 $2,645,000 $293,889 $11,160 6.96%
TOPEKA, KS (FHA|USDA|VA) 13 $2,565,000 $197,308 $6,239 6.50%
COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $2,535,000 $507,000 $11,305 6.52%
LAREDO, TX (FHA|USDA|VA) 1 $2,505,000 $2,505,000 $39,066 7.50%
LAS CRUCES, NM (FHA|USDA|VA) 11 $2,455,000 $223,182 $7,605 6.31%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 7 $2,335,000 $333,571 $8,798 7.46%
LEWISTON, ID-WA (FHA|USDA|VA) 7 $1,995,000 $285,000 $9,939 6.87%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,980,000 $495,000 $9,686 5.90%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $1,880,000 $470,000 $21,629 6.68%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $1,700,000 $850,000 $20,951 6.69%
Mountain Home, ID (FHA|USDA|VA) 8 $1,680,000 $210,000 $7,350 7.42%
GREELEY, CO (FHA|USDA|VA) 4 $1,590,000 $397,500 $10,094 6.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 3 $1,495,000 $498,333 $7,204 4.79%
CaƱon City, CO (FHA|USDA|VA) 6 $1,440,000 $240,000 $6,178 6.64%
Breckenridge, CO (FHA|USDA|VA) 2 $1,410,000 $705,000 $3,440 6.75%
IDAHO FALLS, ID (FHA|USDA|VA) 4 $1,400,000 $350,000 $11,364 7.21%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $1,375,000 $458,333 $15,250 6.92%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $1,355,000 $451,667 $8,826 5.54%
TUCSON, AZ (FHA|USDA|VA) 5 $1,335,000 $267,000 $6,860 7.30%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $1,305,000 $435,000 $9,178 6.00%
Rockport, TX (FHA|USDA|VA) 2 $1,240,000 $620,000 $14,415 7.93%
WACO, TX (FHA|USDA|VA) 2 $1,240,000 $620,000 $18,004 6.75%
Branson, MO (FHA|USDA|VA) 2 $1,240,000 $620,000 $7,784 7.24%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $1,200,000 $300,000 $12,372 6.63%
ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $1,135,000 $162,143 $6,043 7.05%
MIDLAND, TX (FHA|USDA|VA) 5 $1,135,000 $227,000 $12,210 6.75%
PUEBLO, CO (FHA|USDA|VA) 3 $1,065,000 $355,000 $7,860 6.75%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $1,025,000 $341,667 $11,452 6.66%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $1,020,000 $510,000 $29,464 6.06%
WALLA WALLA, WA (FHA|USDA|VA) 2 $1,000,000 $500,000 $16,785 6.81%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $980,000 $490,000 $7,226 7.06%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $975,000 $975,000 $7,460 6.49%
Great Bend, KS (FHA|USDA|VA) 8 $950,000 $118,750 $3,969 6.79%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $920,000 $460,000 $14,791 4.37%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $915,000 $305,000 $5,633 7.32%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $915,000 $305,000 $9,438 6.54%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $910,000 $455,000 $23,642 6.06%
Show Low, AZ (FHA|USDA|VA) 3 $875,000 $291,667 $7,336 6.83%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $870,000 $435,000 $14,216 6.56%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $865,000 $288,333 $9,131 6.37%
Moses Lake, WA (FHA|USDA|VA) 3 $835,000 $278,333 $8,388 7.08%
FORT COLLINS, CO (FHA|USDA|VA) 1 $825,000 $825,000 $3,944 6.38%
Granbury, TX (FHA|USDA|VA) 2 $820,000 $410,000 $11,075 6.81%
Alamogordo, NM (FHA|USDA|VA) 4 $810,000 $202,500 $6,994 6.41%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $805,000 $805,000 $3,478 5.63%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 5 $775,000 $155,000 $5,579 6.74%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $760,000 $380,000 $7,317 7.31%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $750,000 $375,000 $9,991 5.99%
Del Rio, TX (FHA|USDA|VA) 2 $740,000 $370,000 $10,304 5.88%
Hailey, ID (FHA|USDA|VA) 1 $705,000 $705,000 $14,129 6.88%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $665,000 $221,667 $5,383 6.62%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $655,000 $655,000 $12,729 5.49%
Aberdeen, WA (FHA|USDA|VA) 2 $650,000 $325,000 $12,318 5.43%
LONGVIEW, TX (FHA|USDA|VA) 2 $630,000 $315,000 $10,047 6.81%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $610,000 $305,000 $5,040 6.49%
EspaƱola, NM (FHA|USDA|VA) 2 $610,000 $305,000 $13,139 6.31%
Ontario, OR-ID (FHA|USDA|VA) 3 $585,000 $195,000 $7,443 6.50%
ANN ARBOR, MI (FHA|USDA|VA) 2 $580,000 $290,000 $4,367 6.49%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $555,000 $185,000 $4,955 6.75%
BELLINGHAM, WA (FHA|USDA|VA) 1 $555,000 $555,000 $4,994 7.13%
PANAMA CITY, FL (FHA|USDA|VA) 1 $545,000 $545,000 $8,028 7.63%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $540,000 $270,000 $3,807 7.24%
Bay City, TX (FHA|USDA|VA) 1 $535,000 $535,000 $0 7.99%
Las Vegas, NM (FHA|USDA|VA) 3 $525,000 $175,000 $6,708 7.04%
SALEM, OR (FHA|USDA|VA) 2 $520,000 $260,000 $8,404 7.06%
Oak Harbor, WA (FHA|USDA|VA) 1 $515,000 $515,000 $8,062 6.38%
COLUMBUS, OH (FHA|USDA|VA) 1 $515,000 $515,000 $19,869 5.38%
HARRISONBURG, VA (FHA|USDA|VA) 1 $515,000 $515,000 $10,429 7.38%
GREEN BAY, WI (FHA|USDA|VA) 1 $495,000 $495,000 $8,760 6.99%
JACKSON, MS (FHA|USDA|VA) 2 $490,000 $245,000 $7,365 6.88%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $490,000 $245,000 $1,891 5.31%
Hobbs, NM (FHA|USDA|VA) 2 $490,000 $245,000 $8,991 5.81%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $485,000 $485,000 $11,492 7.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $485,000 $485,000 $2,679 5.38%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $470,000 $235,000 $6,459 6.62%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $465,000 $465,000 $12,289 6.49%
Durango, CO (FHA|USDA|VA) 1 $445,000 $445,000 $12,890 6.99%
Spearfish, SD (FHA|USDA|VA) 1 $425,000 $425,000 $4,445 6.99%
DULUTH, MN-WI (FHA|USDA|VA) 2 $420,000 $210,000 $9,771 7.12%
Garden City, KS (FHA|USDA|VA) 1 $415,000 $415,000 $8,462 4.88%
FAIRBANKS, AK (FHA|USDA|VA) 1 $405,000 $405,000 $11,533 6.38%
ODESSA, TX (FHA|USDA|VA) 2 $400,000 $200,000 $12,238 6.62%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $395,000 $395,000 $27,786 6.63%
SAN ANGELO, TX (FHA|USDA|VA) 1 $395,000 $395,000 $17,843 6.13%
Helena, MT (FHA|USDA|VA) 1 $395,000 $395,000 $6,062 7.13%
Athens, TX (FHA|USDA|VA) 1 $385,000 $385,000 $8,793 6.49%
Mount Airy, NC (FHA|USDA|VA) 1 $375,000 $375,000 $8,361 6.99%
ANCHORAGE, AK (FHA|USDA|VA) 1 $375,000 $375,000 $19,105 5.63%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $355,000 $355,000 $14,912 7.25%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $345,000 $345,000 $4,430 4.99%
MIDLAND, MI (FHA|USDA|VA) 1 $345,000 $345,000 $8,357 7.49%
Hermiston-Pendleton, OR (FHA|USDA|VA) 2 $340,000 $170,000 $5,964 6.31%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $335,000 $335,000 $14,371 7.38%
COLUMBIA, SC (FHA|USDA|VA) 1 $325,000 $325,000 $7,212 6.99%
St. Marys, GA (FHA|USDA|VA) 1 $325,000 $325,000 $16,410 6.63%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $315,000 $315,000 $5,064 7.25%
Gainesville, TX (FHA|USDA|VA) 1 $315,000 $315,000 $14,464 5.63%
GREENVILLE, NC (FHA|USDA|VA) 1 $315,000 $315,000 $3,835 6.75%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $315,000 $315,000 $12,032 5.38%
SAGINAW, MI (FHA|USDA|VA) 2 $310,000 $155,000 $6,361 7.50%
TOLEDO, OH (FHA|USDA|VA) 1 $305,000 $305,000 $5,546 7.99%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $305,000 $305,000 $14,969 6.49%
Butte-Silver Bow, MT (FHA|USDA|VA) 1 $305,000 $305,000 $5,825 7.75%
SAVANNAH, GA (FHA|USDA|VA) 1 $295,000 $295,000 $7,023 6.13%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $295,000 $295,000 $10,758 5.13%
WILMINGTON, NC (FHA|USDA|VA) 1 $295,000 $295,000 $7,300 7.38%
YAKIMA, WA (FHA|USDA|VA) 1 $285,000 $285,000 $4,821 6.99%
GOLDSBORO, NC (FHA|USDA|VA) 1 $275,000 $275,000 $11,100 6.63%
MADISON, WI (FHA|USDA|VA) 1 $265,000 $265,000 $3,116 6.63%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $265,000 $265,000 $4,330 6.88%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $265,000 $265,000 $7,892 7.49%
GREAT FALLS, MT (FHA|USDA|VA) 1 $265,000 $265,000 $11,456 6.49%
TWIN FALLS, ID (FHA|USDA|VA) 1 $255,000 $255,000 $9,773 6.88%
KNOXVILLE, TN (FHA|USDA|VA) 1 $245,000 $245,000 $7,410 6.13%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.63%
Laramie, WY (FHA|USDA|VA) 1 $235,000 $235,000 $0 8.13%
Clovis, NM (FHA|USDA|VA) 1 $235,000 $235,000 $7,579 7.25%
Safford, AZ (FHA|USDA|VA) 1 $235,000 $235,000 $6,665 7.88%
Sheridan, WY (FHA|USDA|VA) 1 $225,000 $225,000 $6,273 6.99%
READING, PA (FHA|USDA|VA) 1 $225,000 $225,000 $0 7.88%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $215,000 $215,000 $0 8.63%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $215,000 $215,000 $7,762 6.63%
Silver City, NM (FHA|USDA|VA) 1 $215,000 $215,000 $7,474 7.49%
Stillwater, OK (FHA|USDA|VA) 1 $205,000 $205,000 $4,295 6.49%
Roseburg, OR (FHA|USDA|VA) 1 $205,000 $205,000 $7,009 6.49%
FORT WAYNE, IN (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.75%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $205,000 $205,000 $3,738 6.49%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $205,000 $205,000 $8,091 6.38%
Kingsville, TX (FHA|USDA|VA) 1 $195,000 $195,000 $10,889 6.49%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $185,000 $185,000 $4,794 7.88%
Searcy, AR (FHA|USDA|VA) 1 $185,000 $185,000 $9,519 6.13%
Sterling, CO (FHA|USDA|VA) 1 $185,000 $185,000 $4,774 7.75%
YUMA, AZ (FHA|USDA|VA) 1 $175,000 $175,000 $4,788 6.49%
JACKSON, MI (FHA|USDA|VA) 1 $175,000 $175,000 $3,651 7.25%
Taos, NM (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.13%
Jefferson, GA (FHA|USDA|VA) 1 $155,000 $155,000 $4,191 6.38%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $155,000 $155,000 $8,692 7.50%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $155,000 $155,000 $5,855 6.13%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 2 $150,000 $75,000 $0 6.99%
DECATUR, AL (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.63%
Othello, WA (FHA|USDA|VA) 1 $135,000 $135,000 $5,170 6.25%
Moscow, ID (FHA|USDA|VA) 1 $125,000 $125,000 $3,810 6.49%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $125,000 $125,000 $3,808 6.88%
SUMTER, SC (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
Palestine, TX (FHA|USDA|VA) 1 $115,000 $115,000 $5,158 7.99%
La Grande, OR (FHA|USDA|VA) 1 $105,000 $105,000 $4,827 6.63%
YUBA CITY, CA (FHA|USDA|VA) 1 $105,000 $105,000 $4,928 6.49%
McPherson, KS (FHA|USDA|VA) 1 $105,000 $105,000 $2,830 6.49%
Richmond, IN (FHA|USDA|VA) 1 $105,000 $105,000 $3,922 6.99%
ABILENE, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.88%
Winfield, KS (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.99%
Corsicana, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.75%
Hutchinson, KS (FHA|USDA|VA) 1 $85,000 $85,000 $2,679 6.49%
PITTSBURGH, PA (FHA|USDA|VA) 1 $65,000 $65,000 $4,298 6.38%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $55,000 $55,000 $3,690 7.13%
Sunflower Bank's top markets include Spokane, Phoenix, Dallas, San Antonio, and Denver among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,750 $633,760,000 $362,149 $7,392 6.56%
    FHA 580 $175,940,000 $303,345 $12,385 6.26%
    VA 283 $113,035,000 $399,417 $11,936 6.02%
    USDA 5 $955,000 $191,000 $6,431 6.25%

    For 2023, Sunflower Bank's most frequently originated type of loan was Conventional, with 1,750 originations. Their 2nd most popular type was FHA, with 580 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,387 $851,835,000 $356,864 $9,195 6.40%
    Cash Out Refi 115 $35,485,000 $308,565 $8,628 6.73%
    Refi 58 $20,300,000 $350,000 $6,492 6.59%
    Other 31 $7,845,000 $253,065 $5,462 7.09%
    Home Improvement 27 $8,225,000 $304,630 $7,314 7.02%

    For 2023, Sunflower Bank's most frequently cited loan purpose was Home Purchase, with 2,387 originations. The 2nd most popular reason was Cash Out Refi, with 115 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,515 $902,505,000 $358,849 $9,235 6.44%
    15 Year 52 $8,290,000 $159,423 $4,189 6.64%
    20 Year 32 $7,560,000 $236,250 $5,306 6.40%
    Other 14 $5,030,000 $359,286 $3,935 4.23%
    10 Year 5 $305,000 $61,000 $1,862 3.90%

    For 2023, Sunflower Bank's most frequently cited loan duration was 30 Year, with 2,515 originations. The 2nd most popular length was 15 Year, with 52 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 793 $349,925,000 $441,267
    $1k-2k 695 $244,235,000 $351,417
    $2k-3k 335 $104,235,000 $311,149
    $3k-4k 269 $83,835,000 $311,654
    $4k-5k 265 $88,755,000 $334,925
    $<1k 142 $23,440,000 $165,070

    Sunflower Bank's average total fees were $9,235, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 793 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,142 $397,620,000 $348,179
    5-6% 674 $233,950,000 $347,107
    7-8% 626 $249,530,000 $398,610
    4-5% 69 $22,015,000 $319,058
    Over 8% 48 $15,060,000 $313,750
    <2.5% 46 $1,180,000 $25,652
    2.5-3% 5 $1,985,000 $397,000
    3-4% 3 $935,000 $311,667

    During 2023, Sunflower Bank's average interest rate for loans was 6.44%, while their most frequently originated rate bucket for loans was 6-7%, with 1,142 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,270 $372,750,000 $293,504 $9,019 6.49%
    $400k-600k 533 $254,895,000 $478,227 $11,778 6.56%
    $100k-200k 440 $68,880,000 $156,545 $5,407 6.52%
    $600k-1MM 182 $128,310,000 $705,000 $12,462 6.70%
    $100,000 or less 131 $6,115,000 $46,679 $1,952 4.51%
    $1MM+ 62 $92,740,000 $1,495,806 $14,896 6.84%

    2023 saw Sunflower Bank place emphasis on $200k-400k loans with 1,270 originations, totaling $372,750,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 628 $221,370,000 $352,500 $10,231 6.62%
    $50k-75k 557 $117,855,000 $211,589 $6,944 5.91%
    $150k-250k 497 $219,175,000 $440,996 $10,298 6.70%
    $75k-100k 462 $134,220,000 $290,519 $9,154 6.45%
    $250k+ 268 $197,860,000 $738,284 $11,610 6.84%
    $50k or less 189 $27,735,000 $146,746 $5,191 6.00%

    Sunflower Bank lent most frequently to those with incomes in the $100k-150k range, with 628 originations. The second most popular income band? $50k-75k, with 557 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 369 $137,205,000 $371,829 $8,435 6.47%
    50-60% 327 $111,415,000 $340,719 $12,706 6.14%
    20-30% 302 $107,080,000 $354,570 $7,829 6.59%
    49% 158 $50,490,000 $319,557 $8,893 6.61%
    41% 126 $46,040,000 $365,397 $8,988 6.38%
    48% 123 $40,625,000 $330,285 $8,991 6.45%
    44% 123 $51,215,000 $416,382 $9,501 6.34%
    43% 122 $42,770,000 $350,574 $8,866 6.47%
    <20% 116 $35,580,000 $306,724 $5,633 6.28%
    42% 112 $45,190,000 $403,482 $8,213 6.58%
    47% 107 $34,555,000 $322,944 $8,353 6.25%
    46% 103 $33,765,000 $327,816 $9,371 6.24%
    45% 102 $32,150,000 $315,196 $8,029 6.41%
    40% 101 $35,755,000 $354,010 $8,865 6.65%
    39% 101 $33,075,000 $327,475 $8,716 6.58%
    37% 77 $32,345,000 $420,065 $9,608 6.62%
    38% 76 $28,790,000 $378,816 $9,034 6.45%
    36% 56 $19,780,000 $353,214 $8,409 6.64%
    >60% 10 $4,100,000 $410,000 $14,798 6.29%

    Sunflower Bank lent most frequently to those with DTI ratios of 30-36%, with 369 originations. The next most common DTI ratio? 50-60%, with 327 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,849 $636,245,000 $344,102 $8,769 6.47%
    Not provided 492 $181,420,000 $368,740 $9,438 6.32%
    Asian 105 $44,165,000 $420,619 $10,351 6.66%
    Black 107 $41,825,000 $390,888 $11,468 6.17%
    American Indian 36 $9,950,000 $276,389 $8,049 6.09%
    Asian Indian 7 $2,685,000 $383,571 $6,356 6.17%
    Native Hawaiian or Islander 5 $1,635,000 $327,000 $13,179 6.27%
    Not applicable 5 $1,565,000 $313,000 $0 6.97%
    Other Asian 4 $1,540,000 $385,000 $11,594 6.56%
    Chinese 2 $790,000 $395,000 $9,029 6.49%
    Vietnamese 1 $755,000 $755,000 $8,923 6.99%
    Other Pacific Islander 2 $610,000 $305,000 $13,004 6.13%
    Korean 2 $280,000 $140,000 $5,328 6.43%
    Filipino 1 $225,000 $225,000 $0 7.63%

    Approval Rates

    Total approvals of all applications
    94.88%

    Sunflower Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    56.15%

    Sunflower Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,618 $923,690,000 $352,823

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,618 $923,690,000 $352,823

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 90 $18,640,000 $207,111 $5,205 6.63%
    40-60% 218 $71,100,000 $326,147 $7,435 6.64%
    60-80% 563 $226,685,000 $402,638 $8,733 6.76%
    80-100% 1,608 $578,550,000 $359,795 $9,539 6.46%
    Over 100% 66 $26,320,000 $398,788 $18,536 6.01%
    Under 20% 73 $2,395,000 $32,808 $972 2.90%