Sunflower Bank Mortgage Rates, Fees & Info

Denver, CO

LEI: 2549008TT6UNYR7AXF54

Tax ID: 48-0216075

4.6 stars - out of 5 stars, based on 86 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Sunflower Bank is a small bank specializing in Home Purchase, Refi, and Cash Out Refi loans. Sunflower Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Phoenix, Dallas, Spokane, Denver, and Kansas City among others. Sunflower Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Sunflower Bank is typically an average fee lendor.


Originations

7,321

Origination Dollar Volume (All Markets)

$2,330,795,000

Employee count

1,033 Show all (8) awards

Relative Rate

Sunflower Bank's average 30 year fixed rate mortgage of loans were 3.16%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.01%.

Relative Fees

Sunflower Bank's average total fees for a 30 year fixed rate mortgage are $5,166.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1,104 $411,980,000 $373,170 $5,007 3.23%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 828 $249,710,000 $301,582 $5,029 2.95%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 684 $218,860,000 $319,971 $5,629 3.15%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 514 $199,850,000 $388,813 $4,192 3.02%
KANSAS CITY, MO-KS (FHA|USDA|VA) 314 $96,220,000 $306,433 $3,734 3.04%
SANTA FE, NM (FHA|USDA|VA) 179 $62,375,000 $348,464 $4,447 3.07%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 224 $56,580,000 $252,589 $5,471 3.08%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 141 $54,965,000 $389,823 $4,589 3.06%
FLINT, MI (FHA|USDA|VA) 332 $54,710,000 $164,789 $2,868 2.88%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 231 $51,755,000 $224,048 $2,891 2.93%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 86 $41,890,000 $487,093 $7,282 2.90%
ALBUQUERQUE, NM (FHA|USDA|VA) 176 $41,870,000 $237,898 $5,052 3.22%
WICHITA, KS (FHA|USDA|VA) 188 $41,520,000 $220,851 $4,277 3.03%
Outside of Metro Areas 207 $41,295,000 $199,493 $4,236 3.08%
Los Alamos, NM (FHA|USDA|VA) 113 $36,485,000 $322,876 $4,814 2.93%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 65 $34,615,000 $532,538 $5,312 2.73%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 48 $26,660,000 $555,417 $7,206 3.24%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 53 $23,655,000 $446,321 $8,635 3.13%
Outside of Metro Areas 61 $22,675,000 $371,721 $7,401 3.09%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 27 $20,175,000 $747,222 $10,437 3.30%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 10 $19,260,000 $1,926,000 $4,378 3.11%
EL PASO, TX (FHA|USDA|VA) 49 $15,545,000 $317,245 $5,627 3.17%
BOULDER, CO (FHA|USDA|VA) 36 $15,370,000 $426,944 $3,842 2.86%
MANHATTAN, KS (FHA|USDA|VA) 80 $15,240,000 $190,500 $3,385 2.97%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 26 $14,550,000 $559,615 $6,901 3.10%
GREELEY, CO (FHA|USDA|VA) 38 $14,040,000 $369,474 $4,404 3.07%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 53 $13,895,000 $262,170 $4,988 3.02%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 32 $13,500,000 $421,875 $6,184 3.31%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 32 $12,700,000 $396,875 $5,684 3.34%
COLORADO SPRINGS, CO (FHA|USDA|VA) 32 $11,790,000 $368,438 $4,888 2.97%
LAWRENCE, KS (FHA|USDA|VA) 53 $11,395,000 $215,000 $3,384 3.12%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 28 $11,300,000 $403,571 $4,510 3.00%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 26 $9,770,000 $375,769 $6,129 2.93%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 31 $9,375,000 $302,419 $5,837 2.89%
RALEIGH-CARY, NC (FHA|USDA|VA) 29 $9,215,000 $317,759 $3,666 3.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 24 $9,190,000 $382,917 $6,319 2.82%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 25 $8,765,000 $350,600 $4,813 3.04%
Sandpoint, ID (FHA|USDA|VA) 21 $8,665,000 $412,619 $7,006 2.90%
Salina, KS (FHA|USDA|VA) 59 $8,535,000 $144,661 $2,503 2.98%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 20 $8,020,000 $401,000 $7,758 3.15%
FORT COLLINS, CO (FHA|USDA|VA) 22 $7,990,000 $363,182 $4,813 2.88%
LAS CRUCES, NM (FHA|USDA|VA) 42 $7,950,000 $189,286 $4,634 3.19%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 19 $6,855,000 $360,789 $6,553 3.07%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 19 $6,835,000 $359,737 $7,076 3.14%
TUCSON, AZ (FHA|USDA|VA) 21 $5,635,000 $268,333 $4,570 3.02%
Hays, KS (FHA|USDA|VA) 35 $5,625,000 $160,714 $3,627 2.85%
PUEBLO, CO (FHA|USDA|VA) 29 $5,615,000 $193,621 $4,574 3.13%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 15 $5,505,000 $367,000 $7,300 3.13%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $5,465,000 $1,821,667 $5,386 3.77%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 17 $5,455,000 $320,882 $3,760 2.95%
Dodge City, KS (FHA|USDA|VA) 36 $5,110,000 $141,944 $3,356 2.89%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 15 $5,065,000 $337,667 $5,257 3.01%
FLAGSTAFF, AZ (FHA|USDA|VA) 10 $5,010,000 $501,000 $5,159 2.98%
Show Low, AZ (FHA|USDA|VA) 17 $4,615,000 $271,471 $4,439 3.44%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 11 $4,525,000 $411,364 $4,159 2.75%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 6 $4,230,000 $705,000 $10,578 3.46%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 11 $4,175,000 $379,545 $7,285 3.42%
ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $3,565,000 $509,286 $4,205 3.03%
URBAN HONOLULU, HI (FHA|USDA|VA) 6 $3,420,000 $570,000 $8,652 2.95%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $3,310,000 $413,750 $7,516 3.01%
Breckenridge, CO (FHA|USDA|VA) 5 $3,145,000 $629,000 $4,234 3.47%
OKLAHOMA CITY, OK (FHA|USDA|VA) 15 $3,045,000 $203,000 $4,568 2.82%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $2,990,000 $747,500 $8,540 3.68%
Cañon City, CO (FHA|USDA|VA) 15 $2,975,000 $198,333 $3,971 2.95%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 18 $2,900,000 $161,111 $3,070 3.00%
Edwards, CO (FHA|USDA|VA) 5 $2,885,000 $577,000 $4,338 2.87%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 11 $2,885,000 $262,273 $7,316 3.30%
Payson, AZ (FHA|USDA|VA) 10 $2,800,000 $280,000 $5,828 3.53%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $2,330,000 $582,500 $6,103 3.62%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $2,290,000 $572,500 $2,560 3.03%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $2,260,000 $376,667 $9,133 2.48%
Española, NM (FHA|USDA|VA) 9 $2,235,000 $248,333 $5,519 3.39%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 4 $2,220,000 $555,000 $7,534 3.40%
YAKIMA, WA (FHA|USDA|VA) 7 $2,195,000 $313,571 $7,063 2.96%
Rexburg, ID (FHA|USDA|VA) 5 $2,195,000 $439,000 $5,390 3.50%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 7 $2,175,000 $310,714 $3,912 2.95%
HUNTSVILLE, AL (FHA|USDA|VA) 6 $2,040,000 $340,000 $4,310 3.39%
Athens, TX (FHA|USDA|VA) 5 $2,015,000 $403,000 $6,291 2.97%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 9 $2,015,000 $223,889 $5,992 3.09%
BOISE CITY, ID (FHA|USDA|VA) 7 $1,975,000 $282,143 $5,700 3.07%
McPherson, KS (FHA|USDA|VA) 15 $1,955,000 $130,333 $2,511 3.01%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 5 $1,945,000 $389,000 $4,842 2.99%
Heber, UT (FHA|USDA|VA) 2 $1,910,000 $955,000 $23,417 3.43%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $1,890,000 $472,500 $10,296 2.71%
Great Bend, KS (FHA|USDA|VA) 16 $1,850,000 $115,625 $3,313 2.95%
FRESNO, CA (FHA|USDA|VA) 6 $1,840,000 $306,667 $4,341 3.58%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $1,825,000 $365,000 $5,314 3.15%
STOCKTON, CA (FHA|USDA|VA) 5 $1,785,000 $357,000 $8,592 3.65%
Jackson, WY-ID (FHA|USDA|VA) 4 $1,740,000 $435,000 $14,947 3.03%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 6 $1,740,000 $290,000 $5,151 3.04%
RENO, NV (FHA|USDA|VA) 6 $1,730,000 $288,333 $4,727 3.08%
SALINAS, CA (FHA|USDA|VA) 3 $1,665,000 $555,000 $8,121 3.24%
SAGINAW, MI (FHA|USDA|VA) 9 $1,665,000 $185,000 $3,219 3.24%
SHERMAN-DENISON, TX (FHA|USDA|VA) 7 $1,665,000 $237,857 $4,812 3.23%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $1,665,000 $555,000 $6,480 3.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $1,660,000 $830,000 $14,206 2.88%
FAYETTEVILLE, NC (FHA|USDA|VA) 9 $1,655,000 $183,889 $2,890 2.71%
BAKERSFIELD, CA (FHA|USDA|VA) 7 $1,655,000 $236,429 $5,611 2.87%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 5 $1,575,000 $315,000 $9,119 2.50%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 4 $1,540,000 $385,000 $4,392 2.81%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $1,480,000 $370,000 $3,633 2.62%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 6 $1,470,000 $245,000 $3,160 2.94%
JACKSONVILLE, FL (FHA|USDA|VA) 6 $1,470,000 $245,000 $3,963 3.04%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $1,470,000 $367,500 $5,551 2.78%
ST. GEORGE, UT (FHA|USDA|VA) 1 $1,435,000 $1,435,000 $12,050 3.25%
Alamogordo, NM (FHA|USDA|VA) 4 $1,430,000 $357,500 $7,943 2.41%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $1,420,000 $355,000 $5,322 3.25%
SALT LAKE CITY, UT (FHA|USDA|VA) 4 $1,380,000 $345,000 $4,127 3.18%
Steamboat Springs, CO (FHA|USDA|VA) 2 $1,350,000 $675,000 $7,141 2.63%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $1,335,000 $267,000 $5,320 3.20%
TULSA, OK (FHA|USDA|VA) 5 $1,305,000 $261,000 $4,793 3.17%
Glenwood Springs, CO (FHA|USDA|VA) 3 $1,305,000 $435,000 $5,011 2.83%
ANN ARBOR, MI (FHA|USDA|VA) 8 $1,290,000 $161,250 $2,351 2.89%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,255,000 $418,333 $4,294 2.91%
RICHMOND, VA (FHA|USDA|VA) 6 $1,250,000 $208,333 $4,391 3.21%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $1,250,000 $625,000 $9,154 3.24%
PUNTA GORDA, FL (FHA|USDA|VA) 5 $1,235,000 $247,000 $4,380 3.17%
VALLEJO, CA (FHA|USDA|VA) 2 $1,220,000 $610,000 $16,966 2.87%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 4 $1,180,000 $295,000 $4,550 3.22%
PANAMA CITY, FL (FHA|USDA|VA) 4 $1,180,000 $295,000 $4,328 3.09%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 6 $1,170,000 $195,000 $3,327 3.04%
LONGVIEW, TX (FHA|USDA|VA) 3 $1,155,000 $385,000 $5,326 3.16%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $1,145,000 $381,667 $5,973 3.12%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,115,000 $223,000 $3,777 3.45%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 5 $1,095,000 $219,000 $4,632 3.37%
Pullman, WA (FHA|USDA|VA) 5 $1,075,000 $215,000 $4,358 2.97%
Las Vegas, NM (FHA|USDA|VA) 5 $1,045,000 $209,000 $4,237 3.10%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $1,040,000 $260,000 $4,615 2.97%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $980,000 $490,000 $8,135 2.31%
Ukiah, CA (FHA|USDA|VA) 1 $975,000 $975,000 $9,605 3.50%
RAPID CITY, SD (FHA|USDA|VA) 2 $940,000 $470,000 $7,401 2.81%
AKRON, OH (FHA|USDA|VA) 4 $940,000 $235,000 $3,610 3.06%
WILMINGTON, NC (FHA|USDA|VA) 2 $910,000 $455,000 $21,095 3.12%
CHEYENNE, WY (FHA|USDA|VA) 3 $885,000 $295,000 $3,908 2.95%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $880,000 $440,000 $3,345 3.38%
KNOXVILLE, TN (FHA|USDA|VA) 3 $845,000 $281,667 $4,076 2.50%
Hailey, ID (FHA|USDA|VA) 1 $835,000 $835,000 $5,833 2.99%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $820,000 $410,000 $3,879 2.69%
PROVO-OREM, UT (FHA|USDA|VA) 2 $810,000 $405,000 $6,560 2.99%
Port Angeles, WA (FHA|USDA|VA) 2 $810,000 $405,000 $15,674 2.93%
MEDFORD, OR (FHA|USDA|VA) 3 $805,000 $268,333 $4,120 3.21%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $785,000 $261,667 $2,681 3.08%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 5 $775,000 $155,000 $3,443 3.19%
MISSOULA, MT (FHA|USDA|VA) 1 $755,000 $755,000 $4,022 2.49%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $750,000 $375,000 $11,509 2.94%
MODESTO, CA (FHA|USDA|VA) 3 $745,000 $248,333 $4,133 3.25%
Oak Harbor, WA (FHA|USDA|VA) 2 $740,000 $370,000 $9,059 3.06%
AMARILLO, TX (FHA|USDA|VA) 2 $720,000 $360,000 $5,669 2.93%
TYLER, TX (FHA|USDA|VA) 2 $720,000 $360,000 $6,655 2.81%
Mount Pleasant, TX (FHA|USDA|VA) 1 $705,000 $705,000 $8,978 3.25%
Durango, CO (FHA|USDA|VA) 2 $680,000 $340,000 $10,908 2.68%
Liberal, KS (FHA|USDA|VA) 5 $675,000 $135,000 $3,480 2.85%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $675,000 $225,000 $4,619 3.21%
Traverse City, MI (FHA|USDA|VA) 4 $670,000 $167,500 $2,905 3.00%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $665,000 $221,667 $4,842 3.00%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $655,000 $655,000 $15,970 3.13%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $645,000 $215,000 $3,605 2.74%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $610,000 $305,000 $8,441 2.74%
BILLINGS, MT (FHA|USDA|VA) 3 $605,000 $201,667 $3,621 2.83%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $605,000 $201,667 $4,623 3.41%
THE VILLAGES, FL (FHA|USDA|VA) 2 $600,000 $300,000 $6,934 2.75%
COLUMBIA, MO (FHA|USDA|VA) 2 $600,000 $300,000 $5,581 3.24%
JACKSON, MS (FHA|USDA|VA) 1 $595,000 $595,000 $3,245 3.99%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $585,000 $585,000 $16,000 2.38%
Newport, OR (FHA|USDA|VA) 2 $580,000 $290,000 $5,512 2.87%
Jacksonville, TX (FHA|USDA|VA) 2 $580,000 $290,000 $7,122 2.81%
BRUNSWICK, GA (FHA|USDA|VA) 1 $575,000 $575,000 $3,316 3.00%
Key West, FL (FHA|USDA|VA) 1 $575,000 $575,000 $7,121 3.13%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $570,000 $285,000 $3,890 2.63%
Coos Bay, OR (FHA|USDA|VA) 2 $560,000 $280,000 $8,305 3.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $560,000 $280,000 $7,130 2.68%
Holland, MI (FHA|USDA|VA) 1 $545,000 $545,000 $4,062 2.25%
Hobbs, NM (FHA|USDA|VA) 3 $545,000 $181,667 $7,862 3.04%
NEW BERN, NC (FHA|USDA|VA) 1 $545,000 $545,000 $7,607 4.13%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $545,000 $545,000 $6,021 2.99%
Taos, NM (FHA|USDA|VA) 2 $540,000 $270,000 $7,689 3.00%
Kapaa, HI (FHA|USDA|VA) 1 $535,000 $535,000 $6,792 2.88%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $525,000 $525,000 $3,024 2.62%
COLUMBUS, OH (FHA|USDA|VA) 2 $520,000 $260,000 $6,191 3.68%
MADERA, CA (FHA|USDA|VA) 1 $515,000 $515,000 $5,733 3.25%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $510,000 $255,000 $4,034 2.88%
Astoria, OR (FHA|USDA|VA) 1 $505,000 $505,000 $6,557 3.38%
YUMA, AZ (FHA|USDA|VA) 1 $505,000 $505,000 $0 3.49%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $500,000 $250,000 $2,891 3.12%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $495,000 $495,000 $15,886 3.13%
DULUTH, MN-WI (FHA|USDA|VA) 1 $485,000 $485,000 $9,793 2.25%
Warrensburg, MO (FHA|USDA|VA) 2 $480,000 $240,000 $5,169 2.93%
CHICO, CA (FHA|USDA|VA) 1 $465,000 $465,000 $4,928 3.49%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 3 $465,000 $155,000 $5,244 3.74%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $455,000 $151,667 $3,616 3.45%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $455,000 $455,000 $4,748 2.99%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $455,000 $455,000 $3,406 2.25%
Gainesville, TX (FHA|USDA|VA) 2 $450,000 $225,000 $6,092 3.06%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $445,000 $148,333 $8,186 3.16%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $440,000 $220,000 $5,086 3.24%
COLUMBIA, SC (FHA|USDA|VA) 2 $440,000 $220,000 $4,123 3.56%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $435,000 $435,000 $5,422 2.88%
Ottawa, KS (FHA|USDA|VA) 3 $435,000 $145,000 $3,163 3.25%
PITTSBURGH, PA (FHA|USDA|VA) 1 $435,000 $435,000 $4,432 2.99%
Hutchinson, KS (FHA|USDA|VA) 3 $425,000 $141,667 $4,259 3.00%
Lufkin, TX (FHA|USDA|VA) 2 $420,000 $210,000 $8,466 3.24%
LEWISTON, ID-WA (FHA|USDA|VA) 2 $420,000 $210,000 $4,087 3.19%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $415,000 $415,000 $9,696 2.38%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $410,000 $205,000 $3,329 3.25%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $410,000 $205,000 $7,158 3.43%
WENATCHEE, WA (FHA|USDA|VA) 1 $405,000 $405,000 $3,819 3.25%
Paducah, KY-IL (FHA|USDA|VA) 1 $405,000 $405,000 $7,096 2.49%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $405,000 $405,000 $4,252 3.50%
GAINESVILLE, FL (FHA|USDA|VA) 1 $395,000 $395,000 $4,920 2.99%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $395,000 $395,000 $4,315 2.88%
LYNCHBURG, VA (FHA|USDA|VA) 1 $385,000 $385,000 $0 2.38%
Bonham, TX (FHA|USDA|VA) 2 $380,000 $190,000 $4,972 3.37%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $370,000 $185,000 $8,048 3.43%
TOPEKA, KS (FHA|USDA|VA) 2 $370,000 $185,000 $2,987 3.50%
FARMINGTON, NM (FHA|USDA|VA) 2 $370,000 $185,000 $8,337 3.18%
Weatherford, OK (FHA|USDA|VA) 1 $365,000 $365,000 $3,756 3.25%
SAN ANGELO, TX (FHA|USDA|VA) 2 $360,000 $180,000 $4,393 2.94%
Portsmouth, OH (FHA|USDA|VA) 1 $355,000 $355,000 $5,445 2.88%
MONTGOMERY, AL (FHA|USDA|VA) 1 $355,000 $355,000 $3,072 2.49%
ROME, GA (FHA|USDA|VA) 1 $355,000 $355,000 $2,960 2.63%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $355,000 $355,000 $3,242 2.75%
Fort Morgan, CO (FHA|USDA|VA) 1 $355,000 $355,000 $3,845 3.38%
RACINE, WI (FHA|USDA|VA) 2 $340,000 $170,000 $4,875 2.81%
MADISON, WI (FHA|USDA|VA) 1 $335,000 $335,000 $9,716 2.38%
Big Spring, TX (FHA|USDA|VA) 1 $335,000 $335,000 $13,396 2.99%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $335,000 $335,000 $14,061 2.38%
Deming, NM (FHA|USDA|VA) 2 $330,000 $165,000 $4,505 2.74%
Jefferson, GA (FHA|USDA|VA) 1 $325,000 $325,000 $1,983 2.49%
New Ulm, MN (FHA|USDA|VA) 1 $325,000 $325,000 $9,088 2.99%
Aberdeen, WA (FHA|USDA|VA) 1 $325,000 $325,000 $691 2.88%
Moscow, ID (FHA|USDA|VA) 1 $325,000 $325,000 $5,034 3.13%
Maysville, KY (FHA|USDA|VA) 1 $325,000 $325,000 $4,039 2.99%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $320,000 $160,000 $4,176 2.75%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $315,000 $315,000 $4,743 3.13%
Ruidoso, NM (FHA|USDA|VA) 1 $315,000 $315,000 $11,011 4.13%
MUSKEGON, MI (FHA|USDA|VA) 2 $310,000 $155,000 $2,262 3.06%
Centralia, WA (FHA|USDA|VA) 1 $305,000 $305,000 $3,720 2.75%
Freeport, IL (FHA|USDA|VA) 1 $305,000 $305,000 $4,569 3.25%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $305,000 $305,000 $8,492 2.99%
BELLINGHAM, WA (FHA|USDA|VA) 1 $305,000 $305,000 $3,419 2.88%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $305,000 $305,000 $10,945 2.88%
BAY CITY, MI (FHA|USDA|VA) 2 $300,000 $150,000 $2,779 2.68%
BEND, OR (FHA|USDA|VA) 1 $295,000 $295,000 $4,840 2.88%
MIDLAND, MI (FHA|USDA|VA) 1 $295,000 $295,000 $3,142 3.25%
Moses Lake, WA (FHA|USDA|VA) 1 $295,000 $295,000 $8,251 2.88%
Sonora, CA (FHA|USDA|VA) 1 $285,000 $285,000 $3,845 3.25%
Gillette, WY (FHA|USDA|VA) 1 $285,000 $285,000 $3,587 2.75%
Kalispell, MT (FHA|USDA|VA) 1 $285,000 $285,000 $2,446 2.99%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $280,000 $140,000 $2,295 2.56%
MONROE, MI (FHA|USDA|VA) 1 $275,000 $275,000 $3,086 2.38%
Fredericksburg, TX (FHA|USDA|VA) 1 $275,000 $275,000 $4,644 2.63%
TOLEDO, OH (FHA|USDA|VA) 2 $270,000 $135,000 $6,624 3.56%
Morehead City, NC (FHA|USDA|VA) 1 $265,000 $265,000 $2,180 2.25%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $265,000 $265,000 $3,735 2.88%
ABILENE, TX (FHA|USDA|VA) 2 $260,000 $130,000 $3,414 2.94%
EL CENTRO, CA (FHA|USDA|VA) 1 $255,000 $255,000 $7,036 4.88%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $255,000 $255,000 $5,685 3.38%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $255,000 $255,000 $6,591 2.88%
Brookings, OR (FHA|USDA|VA) 1 $245,000 $245,000 $11,131 4.38%
SALEM, OR (FHA|USDA|VA) 1 $245,000 $245,000 $7,461 3.13%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $245,000 $245,000 $8,653 4.00%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $235,000 $235,000 $2,836 2.63%
Marshalltown, IA (FHA|USDA|VA) 1 $235,000 $235,000 $5,874 2.88%
REDDING, CA (FHA|USDA|VA) 1 $235,000 $235,000 $4,653 3.49%
Carroll, IA (FHA|USDA|VA) 1 $235,000 $235,000 $1,460 2.75%
Lewistown, PA (FHA|USDA|VA) 1 $235,000 $235,000 $3,108 2.99%
Alpena, MI (FHA|USDA|VA) 2 $230,000 $115,000 $2,923 3.12%
LAFAYETTE, LA (FHA|USDA|VA) 1 $225,000 $225,000 $0 2.25%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $225,000 $225,000 $5,932 3.25%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $225,000 $225,000 $5,292 2.49%
ASHEVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $3,865 2.49%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $5,338 2.88%
Corsicana, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,274 2.49%
WICHITA FALLS, TX (FHA|USDA|VA) 2 $220,000 $110,000 $5,145 3.43%
Starkville, MS (FHA|USDA|VA) 1 $215,000 $215,000 $4,777 2.99%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $215,000 $215,000 $6,599 3.99%
READING, PA (FHA|USDA|VA) 1 $215,000 $215,000 $4,019 2.49%
LINCOLN, NE (FHA|USDA|VA) 1 $215,000 $215,000 $2,064 2.25%
Mountain Home, ID (FHA|USDA|VA) 1 $215,000 $215,000 $3,385 2.75%
JACKSON, MI (FHA|USDA|VA) 1 $215,000 $215,000 $3,311 2.88%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $205,000 $205,000 $7,755 2.99%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $205,000 $205,000 $3,039 3.25%
Fort Polk South, LA (FHA|USDA|VA) 1 $205,000 $205,000 $2,233 2.99%
CARSON CITY, NV (FHA|USDA|VA) 1 $205,000 $205,000 $2,626 3.25%
CASPER, WY (FHA|USDA|VA) 1 $205,000 $205,000 $2,908 2.75%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $205,000 $205,000 $2,000 3.13%
Kerrville, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,753 2.75%
LANCASTER, PA (FHA|USDA|VA) 1 $205,000 $205,000 $3,093 2.99%
Brenham, TX (FHA|USDA|VA) 1 $205,000 $205,000 $7,981 2.99%
SAVANNAH, GA (FHA|USDA|VA) 1 $195,000 $195,000 $4,957 3.38%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $195,000 $195,000 $2,388 2.99%
Willmar, MN (FHA|USDA|VA) 1 $195,000 $195,000 $3,350 2.49%
LUBBOCK, TX (FHA|USDA|VA) 1 $185,000 $185,000 $6,351 3.63%
Adrian, MI (FHA|USDA|VA) 1 $175,000 $175,000 $2,329 3.49%
Huntsville, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,986 3.25%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $175,000 $175,000 $7,978 4.99%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $175,000 $175,000 $3,059 2.99%
TWIN FALLS, ID (FHA|USDA|VA) 1 $175,000 $175,000 $4,322 3.63%
APPLETON, WI (FHA|USDA|VA) 1 $175,000 $175,000 $3,135 3.63%
Clearlake, CA (FHA|USDA|VA) 1 $175,000 $175,000 $6,297 3.75%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $175,000 $175,000 $4,919 4.49%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $175,000 $175,000 $3,988 2.88%
Snyder, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,682 3.99%
Ruston, LA (FHA|USDA|VA) 1 $155,000 $155,000 $3,874 3.13%
Silver City, NM (FHA|USDA|VA) 1 $155,000 $155,000 $4,197 3.99%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $155,000 $155,000 $4,094 2.99%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $155,000 $155,000 $1,127 2.99%
NILES, MI (FHA|USDA|VA) 1 $155,000 $155,000 $3,592 3.63%
Mount Vernon, IL (FHA|USDA|VA) 1 $145,000 $145,000 $4,668 2.99%
Marquette, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,999 3.13%
Othello, WA (FHA|USDA|VA) 1 $145,000 $145,000 $7,979 3.25%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,985 3.99%
WACO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,866 3.25%
Winfield, KS (FHA|USDA|VA) 1 $115,000 $115,000 $3,158 2.63%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $115,000 $115,000 $3,335 3.63%
Clovis, NM (FHA|USDA|VA) 1 $115,000 $115,000 $3,259 3.99%
Cadillac, MI (FHA|USDA|VA) 1 $115,000 $115,000 $2,182 2.63%
Mineral Wells, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,120 2.75%
Ponca City, OK (FHA|USDA|VA) 1 $105,000 $105,000 $3,363 2.99%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $105,000 $105,000 $2,801 3.49%
Bozeman, MT (FHA|USDA|VA) 1 $105,000 $105,000 $5,992 2.99%
HAMMOND, LA (FHA|USDA|VA) 1 $95,000 $95,000 $4,810 2.99%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $95,000 $95,000 $1,271 3.38%
Kearney, NE (FHA|USDA|VA) 1 $85,000 $85,000 $3,622 3.38%
Red Bluff, CA (FHA|USDA|VA) 1 $85,000 $85,000 $4,163 2.99%
JOPLIN, MO (FHA|USDA|VA) 1 $85,000 $85,000 $3,052 3.49%
Quincy, IL-MO (FHA|USDA|VA) 1 $85,000 $85,000 $1,646 2.99%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $85,000 $85,000 $3,295 3.99%
Altus, OK (FHA|USDA|VA) 1 $55,000 $55,000 $2,598 4.25%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $55,000 $55,000 $1,625 3.13%
Guymon, OK (FHA|USDA|VA) 1 $45,000 $45,000 $4,717 2.49%

Sunflower Bank's top markets include Phoenix, Dallas, Spokane, Denver, and Kansas City among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 6,382 $2,020,880,000 $316,653 $4,350 3.08%
VA 496 $198,210,000 $399,617 $7,766 2.73%
FHA 410 $106,450,000 $259,634 $9,056 3.22%
USDA 33 $5,255,000 $159,242 $4,943 3.02%

For the 2021 period, Sunflower Bank's most frequently originated loan type of loans were Conventional, with 6,382 originations. Their 2nd most popular type is VA, with 496 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 3,273 $1,142,325,000 $349,015 $5,923 3.13%
Refi 2,178 $641,640,000 $294,601 $3,621 2.88%
Cash Out Refi 1,818 $532,740,000 $293,036 $4,410 3.15%
Other 46 $11,750,000 $255,435 $4,275 3.19%
Home Improvement 6 $2,340,000 $390,000 $4,485 3.31%

For the 2021, Sunflower Bank's most frequently cited loan purpose of loans were Home Purchase, with 3,273 originations. The 2nd most popular reason of loans were Refi, with 2,178 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 5,913 $1,974,185,000 $333,872 $5,166 3.16%
15 Year 956 $221,750,000 $231,956 $3,563 2.57%
20 Year 273 $67,465,000 $247,125 $3,370 2.93%
10 Year 118 $17,690,000 $149,915 $3,059 2.49%
Other 42 $32,380,000 $770,952 $3,705 3.15%
5 Year 13 $7,555,000 $581,154 $0 4.29%
30+ year 4 $2,080,000 $520,000 $9,062 3.50%
3 Year 2 $7,690,000 $3,845,000 $0 4.28%

For the 2021, Sunflower Bank's most frequently cited loan length of loans were 30 Year, with 5,913 originations. The 2nd most popular length of loans were 15 Year, with 956 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 4,782 $1,405,640,000 $293,944
$2k-3k 964 $293,060,000 $304,004
$3k-4k 639 $234,265,000 $366,612
$<1k 551 $185,945,000 $337,468
$5k+ 362 $175,740,000 $485,470

$5,166 of loans were Sunflower Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 4,782 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 3,276 $1,039,480,000 $317,302
3-4% 2,950 $968,110,000 $328,173
<2.5% 883 $256,655,000 $290,663
4-5% 172 $58,490,000 $340,058
5-6% 30 $5,840,000 $194,667
6-7% 7 $1,045,000 $149,286

During 2021, Sunflower Bank's average interest rate of loans were 3.16%, while their most frequently originated rate bucket of loans were 2.5-3%, with 3,276 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 3,503 $1,006,475,000 $287,318 $4,749 3.07%
$100k-200k 1,714 $262,890,000 $153,378 $3,618 3.05%
$400k-600k 1,319 $638,615,000 $484,166 $5,861 3.03%
$100,000 or less 374 $28,710,000 $76,765 $2,901 3.12%
$600k-1MM 307 $227,385,000 $740,668 $9,228 3.09%
$1MM+ 104 $166,720,000 $1,603,077 $10,299 3.19%

2021 saw Sunflower Bank place emphasis on $200k-400k loans with 3,503 originations, totaling $1,006,475,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 1,713 $550,575,000 $321,410 $4,945 3.06%
$50k-75k 1,464 $338,150,000 $230,977 $4,534 3.07%
$150k-250k 1,273 $507,535,000 $398,692 $5,367 3.09%
$75k-100k 1,260 $350,770,000 $278,389 $4,737 3.08%
$50k or less 756 $122,180,000 $161,614 $4,022 3.09%
$250k+ 604 $349,370,000 $578,427 $6,089 3.07%

Sunflower Bank lent most frequently to those with incomes in the $100k-150k range, with 1,713 originations. The second most popular income band? $50k-75k, with 1,464 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,714 $522,250,000 $304,697 $4,389 3.02%
30-36% 1,341 $433,225,000 $323,061 $4,754 3.07%
<20% 695 $188,955,000 $271,878 $3,840 2.90%
44% 316 $97,070,000 $307,184 $5,390 3.16%
41% 289 $95,945,000 $331,990 $5,045 3.22%
43% 282 $83,340,000 $295,532 $5,110 3.18%
42% 265 $91,425,000 $345,000 $5,090 3.13%
38% 264 $91,720,000 $347,424 $5,315 3.16%
40% 260 $89,500,000 $344,231 $5,091 3.10%
39% 240 $79,350,000 $330,625 $4,768 3.16%
37% 221 $71,495,000 $323,507 $5,058 3.12%
36% 220 $72,300,000 $328,636 $5,149 3.07%
50-60% 204 $67,520,000 $330,980 $9,036 3.01%
45% 182 $55,200,000 $303,297 $4,945 3.15%
49% 176 $54,950,000 $312,216 $5,300 3.11%
47% 168 $50,380,000 $299,881 $4,792 3.07%
46% 166 $52,930,000 $318,855 $5,182 3.13%
48% 130 $40,340,000 $310,308 $5,643 3.16%
>60% 15 $6,475,000 $431,667 $8,274 3.19%

Sunflower Bank lent most frequently to those with DTI ratios of 20-30%, with 1,714 originations. The next most common DTI ratio? 30-36%, with 1,341 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 5,420 $1,668,840,000 $307,904 $4,688 3.05%
Not provided 1,107 $364,415,000 $329,192 $5,254 3.10%
Asian 433 $158,475,000 $365,993 $4,938 3.04%
Black 221 $65,645,000 $297,036 $6,097 3.19%
Not applicable 20 $35,900,000 $1,795,000 $0 4.09%
American Indian 73 $21,785,000 $298,425 $5,538 3.05%
Asian Indian 16 $5,570,000 $348,125 $5,877 2.90%
Other Pacific Islander 4 $2,340,000 $585,000 $12,644 3.19%
Filipino 6 $1,870,000 $311,667 $3,196 3.27%
Native Hawaiian 5 $1,495,000 $299,000 $7,666 3.32%
Other Asian 7 $1,335,000 $190,714 $3,179 2.75%
Japanese 3 $1,245,000 $415,000 $9,676 3.08%
Vietnamese 4 $1,150,000 $287,500 $6,755 2.75%
Chinese 2 $730,000 $365,000 $4,331 3.12%

Approval Rates

Total approvals of all applications
94.19%

Sunflower Bank has an average approval rate.

Pick Rate

Approvals leading to origination
69.26%

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 7,321 $2,330,795,000 $318,371

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
7,321 $2,330,795,000 $318,371

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 438 $84,400,000 $192,694 $3,516 2.88%
40-60% 1,304 $370,270,000 $283,949 $3,687 2.89%
60-80% 2,765 $946,915,000 $342,465 $4,568 3.15%
80-100% 2,519 $835,945,000 $331,856 $5,740 3.12%
Over 100% 79 $34,195,000 $432,848 $16,670 2.74%
Under 20% 62 $7,600,000 $122,581 $2,823 3.62%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Sunflower Bank, National Association 239 W Main Ave Spokane, WA 99201 Full Service B&M $1
Sunflower Bank, National Association 101 Adams Street Monte Vista, CO 81144 Full Service B&M $68,412
Sunflower Bank, National Association 1010 East 27th Street Hays, KS 67601 Full Service B&M $124,981
Sunflower Bank, National Association 120 West Kansas Avenue Mcpherson, KS 67460 Full Service B&M $44,090
Sunflower Bank, National Association 13 Avenida Vista Grande Santa Fe, NM 87505 Full Service B&M $110,185
Sunflower Bank, National Association 13 North Main Street Ellinwood, KS 67526 Full Service B&M $59,543
Sunflower Bank, National Association 1400 16th Street Denver, CO 80202 Full Service B&M $203,684
Sunflower Bank, National Association 421 North Water Las Cruces, NM 88001 Full Service B&M $55,223
Sunflower Bank, National Association 4720 Roth Avenue Hays, KS 67601 Full Service B&M $35,612
Sunflower Bank, National Association 4831 Quail Crest Place Lawrence, KS 66049 Full Service B&M $48,185
Sunflower Bank, National Association 4920 Alameda Avenue El Paso, TX 79905 Full Service B&M $42,786
Sunflower Bank, National Association 500 North Franklin Colby, KS 67701 Full Service B&M $72,429
Sunflower Bank, National Association 5090 40th Street Phoenix, AZ 85018 Full Service B&M $57,611
Sunflower Bank, National Association 510 North Jefferson Junction City, KS 66441 Full Service B&M $40,782
Sunflower Bank, National Association 510 W 29th Street Pueblo, CO 81008 Full Service B&M $37,638
Sunflower Bank, National Association 516 West Cordova Santa Fe, NM 87501 Full Service B&M $96,822
Sunflower Bank, National Association 5299 Dtc Boulevard, Suite 100 Greenwood Village, CO 80111 Full Service B&M $210,160
Sunflower Bank, National Association 615 24th Street Golden, CO 80401 Full Service B&M $43,661
Sunflower Bank, National Association 62 Lincoln Avenue Santa Fe, NM 87501 Full Service B&M $344,252
Sunflower Bank, National Association 1501 East Magnolia Salina, KS 67401 Limited, Mobile/Seasonal Office $320
Sunflower Bank, National Association 15100 Rosewood Street Leawood, KS 66224 Full Service B&M $15,805
Sunflower Bank, National Association 1715 South Pueblo Boulevard Pueblo, CO 81005 Full Service B&M $70,309
Sunflower Bank, National Association 1738 Pearl Street Boulder, CO 80302 Full Service B&M $77,584
Sunflower Bank, National Association 176 North Santa Fe Salina, KS 67401 Full Service B&M $67,029
Sunflower Bank, National Association 1860 N 95th Ln Phoenix, AZ 85007 Full Service B&M $19,696
Sunflower Bank, National Association 1910 Trinity Drive Los Alamos, NM 87544 Full Service B&M $83,793
Sunflower Bank, National Association 201 E. Main Street, Third Floor El Paso, TX 79901 Full Service B&M $261,696
Sunflower Bank, National Association 2021 Cerrillos Road Santa Fe, NM 87501 Full Service B&M $132,812
Sunflower Bank, National Association 203 West Main Street Osborne, KS 67473 Full Service B&M $38,749
Sunflower Bank, National Association 2070 South Ohio Salina, KS 67401 Full Service B&M $259,593
Sunflower Bank, National Association 2073 North Webb Road Wichita, KS 67206 Full Service B&M $50,104
Sunflower Bank, National Association 2200 Louisiana Blvd Ne, Suite 8e Albuquerque, NM 87110 Full Service B&M $44,560
Sunflower Bank, National Association 665 Flatiron Marketplace Broomfield, CO 80021 Full Service B&M $69,788
Sunflower Bank, National Association 6801 N Mesa Street El Paso, TX 79912 Full Service B&M $28,877
Sunflower Bank, National Association 7047 East Greenway Parkway Scottsdale, AZ 85254 Full Service B&M $54,177
Sunflower Bank, National Association 711 North Kansas Avenue Liberal, KS 67901 Full Service B&M $61,672
Sunflower Bank, National Association 7300 Jefferson St Ne Albuquerque, NM 87109 Full Service B&M $377,468
Sunflower Bank, National Association 740 Main Street Russell, KS 67665 Full Service B&M $45,503
Sunflower Bank, National Association 7400 West 135th Street Overland Park, KS 66223 Full Service B&M $114,556
Sunflower Bank, National Association 8117 Preston Road Dallas, TX 75225 Full Service B&M $78,570
Sunflower Bank, National Association 831 Royal Gorge Boulevard Canon City, CO 81212 Full Service B&M $171,358
Sunflower Bank, National Association 2408 First Avenue Dodge City, KS 67801 Full Service B&M $154,891
Sunflower Bank, National Association 2450 South Ninth Street Salina, KS 67401 Full Service B&M $57,028
Sunflower Bank, National Association 25 East Ken Pratt Blvd Longmont, CO 80501 Full Service B&M $112,986
Sunflower Bank, National Association 2535 S Telshor Las Cruces, NM 88011 Full Service B&M $42,372
Sunflower Bank, National Association 2701 Dallas Parkway Plano, TX 75093 Full Service B&M $6,194
Sunflower Bank, National Association 2710 Anderson Manhattan, KS 66502 Full Service B&M $56,454
Sunflower Bank, National Association 278 University Blvd Denver, CO 80206 Full Service B&M $58,553
Sunflower Bank, National Association 355 E Germann Rd Gilbert, AZ 85297 Full Service B&M $60,313
Sunflower Bank, National Association 3600 10th Street Great Bend, KS 67530 Full Service B&M $51,447
Sunflower Bank, National Association 400 W 48th Ave Denver, CO 80216 Full Service B&M $241,906
Sunflower Bank, National Association 401 Main Victoria, KS 67671 Full Service B&M $28,153
Sunflower Bank, National Association 4101 East Harry Street Wichita, KS 67218 Full Service B&M $70,723

For 2021, Sunflower Bank had 53 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $169,342
Net interest income $159,830
Total noninterest income $124,372
Gross Fiduciary activities income $7,585
Service charges on deposit accounts $12,504
Trading account gains and fees $0
Additional Noninterest Income $104,283
Pre-tax net operating income $59,412
Securities gains (or losses, -) $0
Income before extraordinary items $49,182
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $49,182
Minority interest net income $0
Net income $49,182
Sale, conversion, retirement of capital stock, net $2,398
Net operating income $49,182

Sunflower Bank's gross interest income from loans was $169,342,000.
Sunflower Bank's net interest income from loans was $159,830,000.
Sunflower Bank's fee based income from loans was $12,504,000.
Sunflower Bank's net income from loans was $49,182,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $9,512
Provision for credit losses $3,000
Total noninterest expense $221,790
Salaries and employee benefits $149,827
Premises and equipment expense $26,535
Additional noninterest expense $45,428
Applicable income taxes $10,230
Net charge-offs $3,219
Cash dividends $0

Sunflower Bank's interest expense for loans was $9,512,000.
Sunflower Bank's payroll and benefits expense were $149,827,000.
Sunflower Bank's property, plant and equipment expenses $26,535,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 1.0%
HELOC loans 0.0%
All other family 1.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $4,866,248
Deposits held in domestic offices $4,866,248
Deposits by Individuals, partnerships, and corporations $4,407,730
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $458,080
Deposits by Commercial banks and other depository institutions in U.S. $438
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $1,784,621
Demand deposits $1,765,125
Nontransaction accounts $3,081,627
Money market deposit accounts (MMDAs) $2,297,839
Other savings deposits (excluding MMDAs) $460,043
Total time deposits $323,745
Total time and savings deposits $3,101,123
Noninterest-bearing deposits $1,577,413
Interest-bearing deposits $3,288,835
Retail deposits $4,580,255
IRAs and Keogh plan accounts $50,592
Brokered deposits $212,716
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $5,652,968
Cash & Balances due from depository institutions $668,462
Interest-bearing balances $617,021
Total securities $590,510
Federal funds sold & reverse repurchase $0
Net loans and leases $4,093,515
Loan and leases loss allowance $47,547
Trading account assets $0
Bank premises and fixed assets $53,147
Other real estate owned $5,487
Goodwill and other intangibles $88,692
All other assets $153,155

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $5,652,968
Total Liabilities $5,081,584
Total deposits $4,866,248
Interest-bearing deposits $3,288,835
Deposits held in domestic offices $4,866,248
% insured (estimated) $49
Federal funds purchased and repurchase agreements $92,093
Trading liabilities $0
Other borrowed funds $51,094
Subordinated debt $0
All other liabilities $72,149

Issued Loan Types

Type Value (in 000's)
Net loans and leases $4,093,515
Loan and leases loss allowance $47,547
Total loans and leases (domestic) $4,141,062
All real estate loans $1,715,197
Real estate loans in domestic offices $1,715,197
Construction and development loans $206,864
Residential 1-4 family construction $17,832
Other construction, all land development and other land $189,032
Loans secured by nonfarm nonresidential properties $979,067
Nonfarm nonresidential secured by owner-occupied properties $474,382
Commercial real estate & other non-farm, non-residential $504,685
Multifamily residential real estate $56,642
1-4 family residential loans $466,481
Farmland loans $6,143
Loans held in foreign offices $0
Farm loans $6,077
Commercial and industrial loans $1,678,400
To non-U.S. addressees $0
Loans to individuals $17,976
Credit card loans $5,316
Related Plans $5,121
Consumer Auto Loans $2,838
Other loans to individuals $4,701
All other loans & leases $723,412
Loans to foreign governments and official institutions $0
Other loans $49,744
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $0
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $1,978
Non 1-4 family restructured loans & leases $649
Total loans and leases (foreign) $0

Sunflower Bank had $4,093,515,000 of loans outstanding in 2021. $1,715,197,000 of loans were in real estate loans. $206,864,000 of loans were in development loans. $56,642,000 of loans were in multifamily mortgage loans. $466,481,000 of loans were in 1-4 family mortgage loans. $6,077,000 of loans were in farm loans. $5,316,000 of loans were in credit card loans. $2,838,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 410 $142,254 $346,961
Nonfarm, nonresidential loans - <$100k 32 $1,305 $40,781
Nonfarm, nonresidential loans - $100-250k 90 $10,284 $114,267
Nonfarm, nonresidential loans - $250k-1MM 288 $130,665 $453,698
Commercial & Industrial, US addressed loans - <$1MM 1,399 $309,949 $221,550
Commercial & Industrial, US addressed loans - <$100k 450 $16,846 $37,436
Commercial & Industrial, US addressed loans - $100-250k 326 $43,616 $133,791
Commercial & Industrial, US addressed loans - $250k-1MM 623 $249,487 $400,461
Farmland loans - <$1MM 37 $4,445 $120,135
Farmland loans - <$100k 13 $458 $35,231
Farmland loans - $100-250k 14 $1,576 $112,571
Farmland loans - $250k-1MM 10 $2,411 $241,100
Agriculture operations loans - <$1MM 35 $2,204 $62,971
Agriculture operations loans - <$100k 25 $539 $21,560
Agriculture operations loans - $100-250k 6 $671 $111,833
Agriculture operations loans - $250k-1MM 4 $994 $248,500