Sunflower Bank Mortgage Rates, Fees & Info

Denver, CO

LEI: 2549008TT6UNYR7AXF54

Tax ID: 48-0216075

4.9 stars - out of 5 stars, based on 67 reviews

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

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Mortgage Data

Review & Overview

Sunflower Bank is a small 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: Phoenix, Spokane, Dallas, San Antonio, and Denver among others. We have data for 296 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 an average 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.

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% 5/28/23
30 Year Conventional Refi 6.10% 5/28/23
30 Year Cash-out Refi 6.66% 5/28/23
30 Year FHA Purchase 7.02% 5/28/23
30 Year FHA Refi 6.68% 5/28/23
30 Year VA Purchase 5.88% 5/28/23
30 Year VA Refi 6.21% 5/28/23
30 Year USDA Purchase 6.62% 5/28/23
15 Year Conventional Purchase 6.16% 5/28/23
15 Year Conventional Refi 6.17% 5/28/23
15 Year Cash-out Refi 6.17% 5/28/23
15 Year FHA Purchase 5.68% 5/28/23
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

4,432

Origination Dollar Volume (All Markets)

$1,632,310,000
Show all (8) awards

Relative Rate

Sunflower Bank's average 30 year fixed mortgage rate was 4.59%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.17%.

Relative Fees (Closing Costs)

Sunflower Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $7,148.

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 $4,750.

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
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 556 $239,740,000 $431,187 $6,414 4.09%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 565 $187,895,000 $332,558 $6,858 4.69%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 395 $164,625,000 $416,772 $7,615 4.42%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 289 $135,785,000 $469,844 $9,977 4.64%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 183 $81,035,000 $442,814 $5,641 3.83%
SANTA FE, NM (FHA|USDA|VA) 108 $46,870,000 $433,981 $5,782 4.43%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 66 $43,960,000 $666,061 $11,120 4.31%
KANSAS CITY, MO-KS (FHA|USDA|VA) 125 $42,085,000 $336,680 $5,099 4.59%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 124 $39,340,000 $317,258 $7,824 4.82%
ALBUQUERQUE, NM (FHA|USDA|VA) 127 $36,505,000 $287,441 $6,319 4.48%
Outside of Metro Areas 129 $33,755,000 $261,667 $6,119 4.72%
Outside of Metro Areas 65 $32,275,000 $496,538 $10,031 5.13%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 88 $29,840,000 $339,091 $7,981 4.68%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 57 $29,655,000 $520,263 $11,729 5.05%
WICHITA, KS (FHA|USDA|VA) 130 $27,380,000 $210,615 $4,388 4.50%
Los Alamos, NM (FHA|USDA|VA) 55 $20,885,000 $379,727 $6,790 4.58%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 43 $19,245,000 $447,558 $7,326 4.53%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 29 $16,265,000 $560,862 $9,501 4.68%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 63 $15,955,000 $253,254 $3,947 4.75%
FLINT, MI (FHA|USDA|VA) 79 $15,785,000 $199,810 $3,691 4.80%
LAWRENCE, KS (FHA|USDA|VA) 56 $13,200,000 $235,714 $3,895 4.07%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 24 $12,440,000 $518,333 $11,908 4.31%
MANHATTAN, KS (FHA|USDA|VA) 65 $12,135,000 $186,692 $3,294 4.04%
BOULDER, CO (FHA|USDA|VA) 21 $10,975,000 $522,619 $5,170 3.82%
Pullman, WA (FHA|USDA|VA) 30 $9,430,000 $314,333 $5,875 5.20%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 16 $8,630,000 $539,375 $11,070 4.26%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 22 $8,310,000 $377,727 $8,891 5.00%
Hays, KS (FHA|USDA|VA) 42 $7,280,000 $173,333 $3,377 4.39%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 10 $6,920,000 $692,000 $13,801 4.03%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 17 $6,685,000 $393,235 $6,985 4.14%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 16 $6,030,000 $376,875 $8,052 4.42%
EL PASO, TX (FHA|USDA|VA) 18 $5,970,000 $331,667 $5,090 4.56%
Salina, KS (FHA|USDA|VA) 39 $5,845,000 $149,872 $2,756 4.91%
LAS CRUCES, NM (FHA|USDA|VA) 23 $5,615,000 $244,130 $7,370 4.29%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 8 $4,940,000 $617,500 $7,803 3.81%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 18 $4,930,000 $273,889 $8,001 5.40%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 11 $4,865,000 $442,273 $9,713 5.57%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 11 $4,735,000 $430,455 $9,886 4.71%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 13 $4,405,000 $338,846 $9,777 4.42%
RALEIGH-CARY, NC (FHA|USDA|VA) 11 $4,375,000 $397,727 $6,723 4.94%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 14 $4,230,000 $302,143 $7,925 5.00%
RENO, NV (FHA|USDA|VA) 7 $4,225,000 $603,571 $9,976 3.55%
TUCSON, AZ (FHA|USDA|VA) 14 $4,050,000 $289,286 $7,917 4.66%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 9 $3,945,000 $438,333 $10,778 4.37%
GREELEY, CO (FHA|USDA|VA) 8 $3,800,000 $475,000 $6,376 5.19%
Sandpoint, ID (FHA|USDA|VA) 10 $3,720,000 $372,000 $8,525 4.40%
CORPUS CHRISTI, TX (FHA|USDA|VA) 8 $3,600,000 $450,000 $14,921 5.09%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 9 $3,525,000 $391,667 $10,869 4.75%
FLAGSTAFF, AZ (FHA|USDA|VA) 7 $3,485,000 $497,857 $10,098 4.32%
COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $3,345,000 $669,000 $8,074 3.17%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 12 $3,290,000 $274,167 $7,127 5.40%
BOISE CITY, ID (FHA|USDA|VA) 7 $2,805,000 $400,714 $8,749 5.57%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $2,750,000 $458,333 $7,755 4.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 8 $2,710,000 $338,750 $8,995 4.81%
TOPEKA, KS (FHA|USDA|VA) 13 $2,705,000 $208,077 $4,224 5.24%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 7 $2,635,000 $376,429 $4,933 5.53%
FAYETTEVILLE, NC (FHA|USDA|VA) 5 $2,615,000 $523,000 $6,075 4.72%
JACKSONVILLE, FL (FHA|USDA|VA) 7 $2,515,000 $359,286 $7,187 5.28%
PUEBLO, CO (FHA|USDA|VA) 13 $2,475,000 $190,385 $6,206 4.50%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $2,400,000 $1,200,000 $10,115 5.06%
SHERMAN-DENISON, TX (FHA|USDA|VA) 7 $2,395,000 $342,143 $5,856 4.52%
WILMINGTON, NC (FHA|USDA|VA) 3 $2,345,000 $781,667 $8,363 5.21%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 9 $2,265,000 $251,667 $6,879 5.38%
Moses Lake, WA (FHA|USDA|VA) 6 $2,200,000 $366,667 $8,552 6.31%
BILLINGS, MT (FHA|USDA|VA) 4 $2,150,000 $537,500 $9,805 4.75%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 7 $2,145,000 $306,429 $7,787 4.62%
COLUMBIA, SC (FHA|USDA|VA) 6 $2,110,000 $351,667 $9,206 4.08%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 6 $2,100,000 $350,000 $11,702 5.48%
Fredericksburg, TX (FHA|USDA|VA) 3 $2,095,000 $698,333 $14,073 3.91%
Show Low, AZ (FHA|USDA|VA) 7 $2,055,000 $293,571 $7,865 4.50%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 9 $2,035,000 $226,111 $4,952 5.46%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 4 $2,030,000 $507,500 $9,247 5.56%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 8 $2,010,000 $251,250 $6,480 5.03%
SALINAS, CA (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $24,081 3.25%
WALLA WALLA, WA (FHA|USDA|VA) 2 $1,940,000 $970,000 $8,222 4.93%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 8 $1,910,000 $238,750 $7,301 4.67%
FORT COLLINS, CO (FHA|USDA|VA) 4 $1,900,000 $475,000 $5,822 5.25%
Gainesville, TX (FHA|USDA|VA) 4 $1,870,000 $467,500 $10,110 5.15%
YAKIMA, WA (FHA|USDA|VA) 5 $1,845,000 $369,000 $8,036 4.74%
Durango, CO (FHA|USDA|VA) 2 $1,820,000 $910,000 $11,905 4.24%
Hermiston-Pendleton, OR (FHA|USDA|VA) 6 $1,780,000 $296,667 $7,696 5.64%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,710,000 $427,500 $8,407 5.09%
Dodge City, KS (FHA|USDA|VA) 11 $1,705,000 $155,000 $4,481 4.59%
Newport, OR (FHA|USDA|VA) 3 $1,675,000 $558,333 $9,549 5.41%
LUBBOCK, TX (FHA|USDA|VA) 4 $1,640,000 $410,000 $9,401 3.93%
Moscow, ID (FHA|USDA|VA) 6 $1,640,000 $273,333 $7,237 5.81%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $1,600,000 $800,000 $17,853 4.74%
BAKERSFIELD, CA (FHA|USDA|VA) 5 $1,595,000 $319,000 $6,504 5.33%
TULSA, OK (FHA|USDA|VA) 4 $1,590,000 $397,500 $6,502 5.78%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 5 $1,575,000 $315,000 $9,311 5.28%
Española, NM (FHA|USDA|VA) 7 $1,565,000 $223,571 $8,178 4.86%
OKLAHOMA CITY, OK (FHA|USDA|VA) 7 $1,475,000 $210,714 $7,132 4.57%
Rexburg, ID (FHA|USDA|VA) 3 $1,465,000 $488,333 $9,380 5.37%
WACO, TX (FHA|USDA|VA) 3 $1,385,000 $461,667 $9,735 5.79%
Ruidoso, NM (FHA|USDA|VA) 3 $1,325,000 $441,667 $10,997 6.88%
Sulphur Springs, TX (FHA|USDA|VA) 2 $1,290,000 $645,000 $14,241 5.63%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $1,200,000 $600,000 $11,600 3.68%
Athens, TX (FHA|USDA|VA) 4 $1,180,000 $295,000 $7,445 4.41%
Cañon City, CO (FHA|USDA|VA) 8 $1,180,000 $147,500 $3,581 4.69%
Taos, NM (FHA|USDA|VA) 5 $1,175,000 $235,000 $5,590 5.22%
Kerrville, TX (FHA|USDA|VA) 3 $1,135,000 $378,333 $10,530 3.91%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $1,130,000 $565,000 $7,655 3.62%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 4 $1,090,000 $272,500 $4,760 4.59%
WENATCHEE, WA (FHA|USDA|VA) 3 $1,085,000 $361,667 $10,210 6.54%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $1,055,000 $351,667 $9,695 4.41%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $1,050,000 $525,000 $5,308 4.38%
Centralia, WA (FHA|USDA|VA) 2 $1,050,000 $525,000 $11,335 5.25%
PANAMA CITY, FL (FHA|USDA|VA) 2 $1,030,000 $515,000 $7,373 6.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 6 $1,000,000 $166,667 $5,005 5.68%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $1,000,000 $250,000 $8,806 6.27%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $980,000 $490,000 $5,479 4.00%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $975,000 $325,000 $4,746 4.75%
NEW BERN, NC (FHA|USDA|VA) 2 $960,000 $480,000 $4,560 5.43%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $940,000 $470,000 $18,065 5.63%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $940,000 $470,000 $17,312 4.06%
Payson, AZ (FHA|USDA|VA) 2 $930,000 $465,000 $6,217 5.25%
Hobbs, NM (FHA|USDA|VA) 3 $915,000 $305,000 $12,024 4.16%
Jacksonville, TX (FHA|USDA|VA) 3 $905,000 $301,667 $5,492 3.71%
St. Marys, GA (FHA|USDA|VA) 2 $890,000 $445,000 $13,868 3.43%
STOCKTON, CA (FHA|USDA|VA) 2 $880,000 $440,000 $10,371 3.50%
CHICO, CA (FHA|USDA|VA) 2 $870,000 $435,000 $10,334 4.24%
RICHMOND, VA (FHA|USDA|VA) 4 $860,000 $215,000 $7,844 4.28%
Stephenville, TX (FHA|USDA|VA) 1 $845,000 $845,000 $10,946 3.25%
Uvalde, TX (FHA|USDA|VA) 1 $825,000 $825,000 $11,756 5.49%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $820,000 $410,000 $12,496 5.75%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 4 $820,000 $205,000 $3,712 4.21%
ST. GEORGE, UT (FHA|USDA|VA) 2 $810,000 $405,000 $3,564 4.94%
Blackfoot, ID (FHA|USDA|VA) 2 $810,000 $405,000 $5,790 5.24%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $805,000 $268,333 $8,753 4.41%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 3 $755,000 $251,667 $9,370 5.91%
Coos Bay, OR (FHA|USDA|VA) 2 $750,000 $375,000 $5,152 3.87%
YUBA CITY, CA (FHA|USDA|VA) 2 $730,000 $365,000 $9,301 4.99%
TYLER, TX (FHA|USDA|VA) 2 $730,000 $365,000 $5,119 5.06%
LEWISTON, ID-WA (FHA|USDA|VA) 3 $725,000 $241,667 $4,195 5.04%
SUMTER, SC (FHA|USDA|VA) 2 $700,000 $350,000 $7,295 4.94%
BEND, OR (FHA|USDA|VA) 2 $700,000 $350,000 $5,270 3.37%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $690,000 $345,000 $3,891 4.74%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $690,000 $345,000 $5,858 4.44%
Alamogordo, NM (FHA|USDA|VA) 3 $685,000 $228,333 $6,048 4.91%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $685,000 $228,333 $5,617 5.62%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $680,000 $340,000 $7,976 5.43%
DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $675,000 $225,000 $7,351 4.12%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $670,000 $335,000 $6,307 4.63%
McPherson, KS (FHA|USDA|VA) 5 $665,000 $133,000 $3,230 5.57%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $665,000 $665,000 $18,035 2.25%
MERCED, CA (FHA|USDA|VA) 2 $650,000 $325,000 $4,750 4.93%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $645,000 $645,000 $6,895 3.99%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $645,000 $215,000 $11,582 4.66%
Murray, KY (FHA|USDA|VA) 1 $645,000 $645,000 $2,808 2.99%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $645,000 $645,000 $8,040 4.13%
Safford, AZ (FHA|USDA|VA) 3 $645,000 $215,000 $7,910 5.29%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $635,000 $635,000 $8,305 3.99%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $635,000 $211,667 $7,562 4.95%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $625,000 $208,333 $5,654 5.08%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $620,000 $310,000 $2,639 3.31%
BATON ROUGE, LA (FHA|USDA|VA) 3 $615,000 $205,000 $4,344 4.46%
LONGVIEW, TX (FHA|USDA|VA) 2 $610,000 $305,000 $6,487 3.12%
Brevard, NC (FHA|USDA|VA) 1 $605,000 $605,000 $11,988 5.99%
DULUTH, MN-WI (FHA|USDA|VA) 1 $605,000 $605,000 $10,274 5.99%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $605,000 $605,000 $12,934 3.75%
Sonora, CA (FHA|USDA|VA) 2 $590,000 $295,000 $9,465 5.81%
Del Rio, TX (FHA|USDA|VA) 3 $585,000 $195,000 $7,564 4.33%
ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $585,000 $195,000 $13,812 3.43%
Liberal, KS (FHA|USDA|VA) 3 $585,000 $195,000 $3,853 4.17%
TUSCALOOSA, AL (FHA|USDA|VA) 2 $580,000 $290,000 $6,559 5.56%
YUMA, AZ (FHA|USDA|VA) 2 $580,000 $290,000 $9,092 4.06%
COLUMBIA, MO (FHA|USDA|VA) 3 $575,000 $191,667 $3,084 5.54%
SAN ANGELO, TX (FHA|USDA|VA) 2 $570,000 $285,000 $9,351 4.81%
MONTGOMERY, AL (FHA|USDA|VA) 1 $565,000 $565,000 $3,384 5.13%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $565,000 $565,000 $8,195 3.49%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $565,000 $565,000 $2,444 3.99%
MODESTO, CA (FHA|USDA|VA) 2 $540,000 $270,000 $7,246 5.75%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 3 $535,000 $178,333 $3,898 4.21%
Oak Harbor, WA (FHA|USDA|VA) 1 $535,000 $535,000 $4,635 4.99%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $510,000 $255,000 $4,524 5.24%
SALEM, OR (FHA|USDA|VA) 1 $505,000 $505,000 $11,442 4.99%
Warrensburg, MO (FHA|USDA|VA) 2 $490,000 $245,000 $1,053 5.49%
COLUMBUS, OH (FHA|USDA|VA) 1 $485,000 $485,000 $9,452 4.99%
FRESNO, CA (FHA|USDA|VA) 1 $485,000 $485,000 $19,695 3.49%
GAINESVILLE, FL (FHA|USDA|VA) 2 $470,000 $235,000 $5,495 4.00%
Prineville, OR (FHA|USDA|VA) 1 $465,000 $465,000 $4,655 4.49%
HINESVILLE, GA (FHA|USDA|VA) 1 $465,000 $465,000 $19,056 4.38%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $460,000 $230,000 $10,796 4.68%
MORRISTOWN, TN (FHA|USDA|VA) 1 $455,000 $455,000 $10,424 4.63%
Traverse City, MI (FHA|USDA|VA) 1 $455,000 $455,000 $4,606 4.99%
GREAT FALLS, MT (FHA|USDA|VA) 1 $455,000 $455,000 $20,003 4.99%
Stevens Point, WI (FHA|USDA|VA) 1 $445,000 $445,000 $4,527 4.63%
Huntsville, TX (FHA|USDA|VA) 1 $445,000 $445,000 $27,107 4.13%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $435,000 $435,000 $9,906 4.49%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $435,000 $435,000 $7,260 5.25%
MOBILE, AL (FHA|USDA|VA) 1 $425,000 $425,000 $2,834 5.99%
Breckenridge, CO (FHA|USDA|VA) 1 $425,000 $425,000 $6,058 2.38%
Oxford, MS (FHA|USDA|VA) 1 $425,000 $425,000 $4,257 3.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $420,000 $210,000 $7,796 4.24%
VICTORIA, TX (FHA|USDA|VA) 2 $420,000 $210,000 $9,552 4.93%
Albemarle, NC (FHA|USDA|VA) 1 $415,000 $415,000 $3,984 5.88%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $410,000 $205,000 $6,455 4.81%
Cambridge, MD (FHA|USDA|VA) 2 $410,000 $205,000 $5,812 5.93%
ROME, GA (FHA|USDA|VA) 1 $405,000 $405,000 $13,262 6.13%
Helena, MT (FHA|USDA|VA) 1 $405,000 $405,000 $0 3.49%
VALLEJO, CA (FHA|USDA|VA) 1 $405,000 $405,000 $4,677 4.13%
Granbury, TX (FHA|USDA|VA) 2 $400,000 $200,000 $4,496 3.69%
Holland, MI (FHA|USDA|VA) 2 $400,000 $200,000 $3,110 4.50%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $395,000 $395,000 $13,089 5.63%
JACKSON, MI (FHA|USDA|VA) 1 $395,000 $395,000 $5,062 3.25%
Great Bend, KS (FHA|USDA|VA) 6 $390,000 $65,000 $3,128 5.60%
Othello, WA (FHA|USDA|VA) 1 $385,000 $385,000 $9,937 5.13%
MIDLAND, TX (FHA|USDA|VA) 1 $385,000 $385,000 $13,637 5.13%
TEXARKANA, TX-AR (FHA|USDA|VA) 2 $380,000 $190,000 $5,547 5.62%
Adrian, MI (FHA|USDA|VA) 2 $380,000 $190,000 $3,057 5.25%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $365,000 $365,000 $12,271 4.88%
Weatherford, OK (FHA|USDA|VA) 1 $365,000 $365,000 $1,766 4.99%
MONROE, MI (FHA|USDA|VA) 2 $360,000 $180,000 $4,817 3.99%
BELLINGHAM, WA (FHA|USDA|VA) 1 $355,000 $355,000 $5,828 4.49%
Pahrump, NV (FHA|USDA|VA) 1 $355,000 $355,000 $11,526 5.25%
Kalispell, MT (FHA|USDA|VA) 1 $345,000 $345,000 $5,251 3.99%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $335,000 $335,000 $7,672 4.75%
Georgetown, SC (FHA|USDA|VA) 1 $335,000 $335,000 $14,400 3.49%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $325,000 $325,000 $6,896 3.99%
Bozeman, MT (FHA|USDA|VA) 1 $325,000 $325,000 $0 5.88%
Mount Pleasant, TX (FHA|USDA|VA) 1 $315,000 $315,000 $5,727 5.38%
Vidalia, GA (FHA|USDA|VA) 1 $315,000 $315,000 $9,352 4.99%
El Campo, TX (FHA|USDA|VA) 1 $315,000 $315,000 $10,796 3.49%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $315,000 $315,000 $10,482 4.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $305,000 $305,000 $3,548 5.13%
Sanford, NC (FHA|USDA|VA) 1 $295,000 $295,000 $3,953 5.25%
LAREDO, TX (FHA|USDA|VA) 1 $285,000 $285,000 $12,351 4.99%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $285,000 $285,000 $5,499 6.50%
ABILENE, TX (FHA|USDA|VA) 2 $280,000 $140,000 $3,738 4.68%
FARMINGTON, NM (FHA|USDA|VA) 1 $275,000 $275,000 $17,026 2.88%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $275,000 $275,000 $10,748 4.63%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $275,000 $275,000 $8,845 6.25%
The Dalles, OR (FHA|USDA|VA) 1 $265,000 $265,000 $10,298 5.13%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $265,000 $265,000 $4,334 4.88%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $265,000 $265,000 $13,539 3.88%
Port Angeles, WA (FHA|USDA|VA) 1 $265,000 $265,000 $4,609 3.49%
Easton, MD (FHA|USDA|VA) 1 $255,000 $255,000 $1,900 3.50%
Durant, OK (FHA|USDA|VA) 1 $245,000 $245,000 $6,103 4.99%
Sterling, CO (FHA|USDA|VA) 1 $245,000 $245,000 $7,929 5.49%
THE VILLAGES, FL (FHA|USDA|VA) 1 $245,000 $245,000 $5,769 5.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $245,000 $245,000 $8,265 3.88%
DECATUR, AL (FHA|USDA|VA) 1 $235,000 $235,000 $3,670 3.38%
LAFAYETTE, LA (FHA|USDA|VA) 1 $235,000 $235,000 $9,778 6.50%
Corsicana, TX (FHA|USDA|VA) 1 $235,000 $235,000 $5,167 4.13%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $230,000 $115,000 $0 3.88%
Mount Airy, NC (FHA|USDA|VA) 1 $225,000 $225,000 $4,648 4.13%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $225,000 $225,000 $1,490 5.49%
AMARILLO, TX (FHA|USDA|VA) 1 $215,000 $215,000 $4,336 3.38%
ROCHESTER, MN (FHA|USDA|VA) 1 $215,000 $215,000 $4,688 4.99%
Mount Pleasant, MI (FHA|USDA|VA) 1 $215,000 $215,000 $3,153 3.88%
Campbellsville, KY (FHA|USDA|VA) 1 $215,000 $215,000 $4,726 3.13%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $215,000 $215,000 $9,092 6.75%
Branson, MO (FHA|USDA|VA) 1 $205,000 $205,000 $2,151 3.99%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $205,000 $205,000 $6,839 4.38%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $205,000 $205,000 $6,408 4.13%
ANN ARBOR, MI (FHA|USDA|VA) 1 $205,000 $205,000 $3,093 3.99%
RAPID CITY, SD (FHA|USDA|VA) 1 $195,000 $195,000 $6,533 6.50%
LOUISVILLE, KY (FHA|USDA|VA) 1 $195,000 $195,000 $7,163 4.25%
Ottawa, KS (FHA|USDA|VA) 1 $185,000 $185,000 $2,428 3.49%
Sturgis, MI (FHA|USDA|VA) 1 $185,000 $185,000 $3,790 6.75%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $185,000 $185,000 $6,654 4.63%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $185,000 $185,000 $5,300 5.38%
Kirksville, MO (FHA|USDA|VA) 1 $185,000 $185,000 $8,316 4.99%
ODESSA, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.63%
BAY CITY, MI (FHA|USDA|VA) 1 $175,000 $175,000 $261 4.99%
AMES, IA (FHA|USDA|VA) 1 $175,000 $175,000 $4,027 4.99%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $175,000 $175,000 $10,249 5.75%
AKRON, OH (FHA|USDA|VA) 1 $175,000 $175,000 $5,125 3.25%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $165,000 $165,000 $7,875 4.49%
Pampa, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,256 3.49%
Zanesville, OH (FHA|USDA|VA) 1 $165,000 $165,000 $6,456 5.38%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $165,000 $165,000 $7,456 5.25%
Centralia, IL (FHA|USDA|VA) 1 $165,000 $165,000 $6,257 6.75%
Brenham, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,621 6.63%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $155,000 $155,000 $4,636 6.49%
Jefferson, GA (FHA|USDA|VA) 1 $155,000 $155,000 $8,901 5.13%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $155,000 $155,000 $5,815 3.25%
Winfield, KS (FHA|USDA|VA) 2 $150,000 $75,000 $4,354 6.00%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $150,000 $75,000 $6,410 4.06%
Russellville, AR (FHA|USDA|VA) 1 $145,000 $145,000 $6,492 4.88%
Brainerd, MN (FHA|USDA|VA) 1 $135,000 $135,000 $3,685 4.99%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $135,000 $135,000 $5,833 5.38%
SAGINAW, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,995 5.63%
Hutchinson, KS (FHA|USDA|VA) 1 $125,000 $125,000 $4,334 4.99%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $125,000 $125,000 $3,055 6.88%
London, KY (FHA|USDA|VA) 1 $115,000 $115,000 $4,248 5.99%
Orangeburg, SC (FHA|USDA|VA) 1 $115,000 $115,000 $4,916 5.75%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $105,000 $105,000 $4,656 4.75%
TOLEDO, OH (FHA|USDA|VA) 1 $105,000 $105,000 $7,892 5.13%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $105,000 $105,000 $5,488 3.99%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $105,000 $105,000 $3,604 6.25%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $95,000 $95,000 $5,078 3.38%
Las Vegas, NM (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.75%
DeRidder, LA (FHA|USDA|VA) 1 $85,000 $85,000 $4,895 4.99%
Starkville, MS (FHA|USDA|VA) 1 $75,000 $75,000 $4,225 4.99%
LIMA, OH (FHA|USDA|VA) 1 $65,000 $65,000 $4,692 7.63%
Sunflower Bank's top markets include Phoenix, Spokane, Dallas, San Antonio, and Denver among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,551 $1,329,825,000 $374,493 $6,185 4.50%
    FHA 470 $133,610,000 $284,277 $10,332 4.92%
    VA 390 $164,790,000 $422,538 $10,109 4.41%
    USDA 21 $4,085,000 $194,524 $6,371 4.90%

    For 2022, Sunflower Bank's most frequently originated type of loan was Conventional, with 3,551 originations. Their 2nd most popular type was FHA, with 470 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,193 $1,228,445,000 $384,731 $7,553 4.72%
    Cash Out Refi 730 $242,500,000 $332,192 $6,116 4.33%
    Refi 446 $143,510,000 $321,771 $4,901 3.58%
    Other 41 $11,705,000 $285,488 $5,197 4.77%
    Home Improvement 22 $6,150,000 $279,545 $5,546 5.36%

    For 2022, Sunflower Bank's most frequently cited loan purpose was Home Purchase, with 3,193 originations. The 2nd most popular reason was Cash Out Refi, with 730 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,155 $1,563,345,000 $376,256 $7,148 4.59%
    15 Year 189 $46,065,000 $243,730 $4,966 3.62%
    20 Year 60 $14,100,000 $235,000 $4,896 4.42%
    Other 20 $7,780,000 $389,000 $5,388 3.77%
    10 Year 8 $1,020,000 $127,500 $3,491 3.80%

    For 2022, Sunflower Bank's most frequently cited loan duration was 30 Year, with 4,155 originations. The 2nd most popular length was 15 Year, with 189 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,833 $669,075,000 $365,016
    $5k+ 721 $346,075,000 $479,993
    $2k-3k 564 $194,930,000 $345,621
    $<1k 438 $132,020,000 $301,416
    $3k-4k 372 $125,780,000 $338,118
    $4k-5k 266 $96,300,000 $362,030

    Sunflower Bank's average total fees were $7,148, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,833 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,143 $400,885,000 $350,731
    5-6% 1,067 $398,085,000 $373,088
    3-4% 975 $363,175,000 $372,487
    2.5-3% 655 $279,685,000 $427,000
    6-7% 435 $144,295,000 $331,713
    7-8% 86 $27,620,000 $321,163
    <2.5% 61 $14,215,000 $233,033
    Over 8% 1 $245,000 $245,000

    During 2022, Sunflower Bank's average interest rate for loans was 4.59%, while their most frequently originated rate bucket for loans was 4-5%, with 1,143 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,098 $614,600,000 $292,946 $6,559 4.63%
    $400k-600k 870 $418,530,000 $481,069 $8,871 4.64%
    $100k-200k 790 $121,260,000 $153,494 $4,150 4.49%
    $600k-1MM 385 $279,465,000 $725,883 $10,031 4.34%
    $100,000 or less 170 $11,450,000 $67,353 $2,682 3.91%
    $1MM+ 119 $187,005,000 $1,571,471 $15,262 4.17%

    2022 saw Sunflower Bank place emphasis on $200k-400k loans with 2,098 originations, totaling $614,600,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,043 $379,015,000 $363,389 $7,663 4.74%
    $50k-75k 933 $230,075,000 $246,597 $5,801 4.36%
    $75k-100k 731 $225,685,000 $308,735 $7,172 4.69%
    $150k-250k 692 $334,740,000 $483,728 $8,338 4.70%
    $50k or less 508 $84,970,000 $167,264 $4,083 4.16%
    $250k+ 461 $355,635,000 $771,443 $10,058 4.48%

    Sunflower Bank lent most frequently to those with incomes in the $100k-150k range, with 1,043 originations. The second most popular income band? $50k-75k, with 933 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 737 $263,415,000 $357,415 $6,530 4.35%
    20-30% 675 $237,365,000 $351,652 $6,085 4.44%
    44% 251 $116,165,000 $462,809 $8,106 4.85%
    <20% 247 $91,325,000 $369,737 $6,267 4.16%
    50-60% 245 $85,015,000 $347,000 $10,073 4.68%
    43% 218 $84,020,000 $385,413 $6,771 4.57%
    49% 208 $70,530,000 $339,087 $7,978 4.75%
    42% 203 $81,435,000 $401,158 $7,036 4.63%
    40% 188 $71,630,000 $381,011 $6,917 4.68%
    41% 185 $71,905,000 $388,676 $6,703 4.56%
    39% 169 $64,785,000 $383,343 $6,875 4.53%
    48% 163 $53,665,000 $329,233 $7,009 4.73%
    38% 161 $63,575,000 $394,876 $7,812 4.65%
    37% 154 $55,240,000 $358,701 $6,562 4.58%
    46% 150 $48,860,000 $325,733 $6,604 4.63%
    45% 147 $50,125,000 $340,986 $6,930 4.57%
    47% 145 $49,375,000 $340,517 $7,141 4.78%
    36% 140 $54,010,000 $385,786 $6,817 4.58%
    >60% 32 $14,230,000 $444,688 $9,593 4.47%

    Sunflower Bank lent most frequently to those with DTI ratios of 30-36%, with 737 originations. The next most common DTI ratio? 20-30%, with 675 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,131 $1,128,275,000 $360,356 $6,747 4.51%
    Not provided 788 $307,860,000 $390,685 $7,785 4.63%
    Asian 213 $92,665,000 $435,047 $7,047 4.43%
    Black 206 $70,740,000 $343,398 $8,679 4.79%
    American Indian 48 $14,970,000 $311,875 $6,378 4.24%
    Native Hawaiian or Islander 12 $4,350,000 $362,500 $5,604 4.78%
    Not applicable 9 $4,105,000 $456,111 $0 0.00%
    Asian Indian 7 $3,205,000 $457,857 $6,334 4.09%
    Other Asian 5 $1,835,000 $367,000 $7,195 4.95%
    Filipino 4 $1,350,000 $337,500 $6,697 4.43%
    Chinese 5 $1,335,000 $267,000 $3,591 4.60%
    Other Pacific Islander 3 $1,245,000 $415,000 $6,251 4.62%
    Vietnamese 1 $375,000 $375,000 $5,178 5.63%

    Approval Rates

    Total approvals of all applications
    94.48%

    Sunflower Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    54.83%

    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 4,432 $1,632,310,000 $368,301

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,432 $1,632,310,000 $368,301

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 186 $40,750,000 $219,086 $4,812 4.29%
    40-60% 508 $173,400,000 $341,339 $5,748 4.31%
    60-80% 1,390 $563,020,000 $405,050 $6,735 4.50%
    80-100% 2,194 $806,940,000 $367,794 $7,344 4.71%
    Over 100% 94 $41,340,000 $439,787 $16,718 4.36%
    Under 20% 52 $3,350,000 $64,423 $1,597 2.29%