Sunflower Bank Mortgage Rates, Fees & Info

Denver, CO

LEI: 2549008TT6UNYR7AXF54

Tax ID: 48-0216075

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

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    • 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: Dallas, Phoenix, Denver, Kansas City, and Oklahoma City among others. We have data for 153 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 low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    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% 12/17/24
    30 Year Conventional Refi 6.10% 12/17/24
    30 Year Cash-out Refi 6.66% 12/17/24
    30 Year FHA Purchase 7.02% 12/17/24
    30 Year FHA Refi 6.68% 12/17/24
    30 Year VA Purchase 5.88% 12/17/24
    30 Year VA Refi 6.21% 12/17/24
    30 Year USDA Purchase 6.62% 12/17/24
    15 Year Conventional Purchase 6.16% 12/17/24
    15 Year Conventional Refi 6.17% 12/17/24
    15 Year Cash-out Refi 6.17% 12/17/24
    15 Year FHA Purchase 5.68% 12/17/24
    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

    2,434

    Origination Dollar Volume (All Markets)

    $590,200,000

    Employee count

    954 Show all (7) awards

    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
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 577 $148,435,000 $257,253 $4,990 4.66%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 205 $62,295,000 $303,878 $5,255 5.07%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 120 $48,070,000 $400,583 $4,271 4.72%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 167 $42,695,000 $255,659 $3,708 4.64%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 166 $36,260,000 $218,434 $4,232 4.78%
    FLINT, MI (FHA|USDA|VA) 159 $22,685,000 $142,673 $3,366 4.63%
    Outside of Metro Areas 127 $20,675,000 $162,795 $3,692 4.80%
    WICHITA, KS (FHA|USDA|VA) 72 $15,270,000 $212,083 $3,686 4.60%
    TULSA, OK (FHA|USDA|VA) 76 $14,990,000 $197,237 $4,855 4.78%
    SANTA FE, NM (FHA|USDA|VA) 55 $14,245,000 $259,000 $4,407 4.69%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 68 $13,640,000 $200,588 $3,133 4.76%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 38 $11,170,000 $293,947 $5,587 4.55%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 31 $8,705,000 $280,806 $4,659 4.44%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 32 $8,330,000 $260,313 $2,786 4.36%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 33 $7,655,000 $231,970 $4,740 5.23%
    Los Alamos, NM (FHA|USDA|VA) 26 $7,530,000 $289,615 $5,188 4.69%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 33 $7,235,000 $219,242 $5,218 4.99%
    Salina, KS (FHA|USDA|VA) 38 $5,440,000 $143,158 $2,331 4.82%
    GREELEY, CO (FHA|USDA|VA) 13 $4,355,000 $335,000 $3,770 4.89%
    BOULDER, CO (FHA|USDA|VA) 6 $3,990,000 $665,000 $3,968 4.71%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 16 $3,970,000 $248,125 $7,264 5.02%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 9 $3,835,000 $426,111 $12,250 4.88%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 14 $3,400,000 $242,857 $7,669 4.81%
    PUEBLO, CO (FHA|USDA|VA) 21 $3,325,000 $158,333 $3,851 4.89%
    ALBUQUERQUE, NM (FHA|USDA|VA) 9 $3,095,000 $343,889 $4,113 4.81%
    EL PASO, TX (FHA|USDA|VA) 16 $2,840,000 $177,500 $4,765 4.58%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 9 $2,745,000 $305,000 $5,817 4.71%
    LAWRENCE, KS (FHA|USDA|VA) 8 $2,490,000 $311,250 $3,697 4.39%
    Hays, KS (FHA|USDA|VA) 19 $2,455,000 $129,211 $3,284 4.84%
    Dodge City, KS (FHA|USDA|VA) 20 $2,380,000 $119,000 $2,367 4.71%
    YORK-HANOVER, PA (FHA|USDA|VA) 12 $1,970,000 $164,167 $6,650 5.26%
    Edwards, CO (FHA|USDA|VA) 3 $1,745,000 $581,667 $3,912 4.42%
    Breckenridge, CO (FHA|USDA|VA) 1 $1,735,000 $1,735,000 $5,591 4.13%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 4 $1,580,000 $395,000 $7,099 4.53%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $1,475,000 $491,667 $5,463 5.08%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 5 $1,435,000 $287,000 $6,769 4.60%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 3 $1,425,000 $475,000 $5,639 4.54%
    Cañon City, CO (FHA|USDA|VA) 5 $1,375,000 $275,000 $3,701 4.80%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $1,250,000 $312,500 $7,913 5.00%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $1,115,000 $371,667 $9,861 5.29%
    VALLEJO, CA (FHA|USDA|VA) 2 $1,070,000 $535,000 $22,143 5.06%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $1,025,000 $341,667 $6,562 4.71%
    TOPEKA, KS (FHA|USDA|VA) 9 $1,015,000 $112,778 $3,458 5.10%
    FORT COLLINS, CO (FHA|USDA|VA) 3 $995,000 $331,667 $3,048 4.67%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $970,000 $485,000 $14,070 4.50%
    RALEIGH-CARY, NC (FHA|USDA|VA) 3 $905,000 $301,667 $5,284 4.67%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $895,000 $298,333 $3,231 4.50%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $890,000 $445,000 $11,872 5.19%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 8 $890,000 $111,250 $2,474 4.50%
    Show Low, AZ (FHA|USDA|VA) 3 $845,000 $281,667 $4,927 4.79%
    Granbury, TX (FHA|USDA|VA) 4 $840,000 $210,000 $3,680 4.59%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $825,000 $275,000 $7,169 4.92%
    MANHATTAN, KS (FHA|USDA|VA) 7 $785,000 $112,143 $2,305 5.34%
    Miami, OK (FHA|USDA|VA) 2 $770,000 $385,000 $4,081 4.69%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $740,000 $185,000 $3,439 5.44%
    TUCSON, AZ (FHA|USDA|VA) 2 $650,000 $325,000 $3,788 4.88%
    Shawnee, OK (FHA|USDA|VA) 3 $635,000 $211,667 $5,817 4.92%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $625,000 $208,333 $4,421 4.63%
    McPherson, KS (FHA|USDA|VA) 6 $600,000 $100,000 $2,565 4.68%
    Ottawa, KS (FHA|USDA|VA) 4 $550,000 $137,500 $4,482 5.38%
    LAS CRUCES, NM (FHA|USDA|VA) 4 $540,000 $135,000 $4,583 4.86%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $540,000 $270,000 $4,921 4.56%
    ANN ARBOR, MI (FHA|USDA|VA) 3 $535,000 $178,333 $2,788 4.63%
    Stillwater, OK (FHA|USDA|VA) 3 $525,000 $175,000 $4,851 4.38%
    Gainesville, TX (FHA|USDA|VA) 2 $510,000 $255,000 $5,790 4.00%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $500,000 $250,000 $5,957 4.94%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $495,000 $495,000 $2,361 4.63%
    WICHITA FALLS, TX (FHA|USDA|VA) 3 $495,000 $165,000 $4,354 4.13%
    WACO, TX (FHA|USDA|VA) 4 $490,000 $122,500 $6,164 5.31%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $485,000 $485,000 $4,152 5.13%
    Ardmore, OK (FHA|USDA|VA) 3 $475,000 $158,333 $3,526 4.75%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $475,000 $158,333 $3,783 4.83%
    Brenham, TX (FHA|USDA|VA) 2 $460,000 $230,000 $4,683 5.06%
    Traverse City, MI (FHA|USDA|VA) 1 $455,000 $455,000 $3,172 4.50%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $455,000 $455,000 $10,162 4.50%
    Weatherford, OK (FHA|USDA|VA) 2 $450,000 $225,000 $4,842 4.44%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $425,000 $425,000 $12,339 4.63%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $405,000 $405,000 $4,449 4.25%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $395,000 $395,000 $3,907 4.50%
    FORT SMITH, AR-OK (FHA|USDA|VA) 3 $395,000 $131,667 $2,598 4.50%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $390,000 $195,000 $4,748 4.44%
    SALEM, OR (FHA|USDA|VA) 1 $385,000 $385,000 $3,866 5.50%
    Liberal, KS (FHA|USDA|VA) 4 $380,000 $95,000 $3,417 4.72%
    LANCASTER, PA (FHA|USDA|VA) 2 $380,000 $190,000 $6,353 5.31%
    Great Bend, KS (FHA|USDA|VA) 5 $375,000 $75,000 $2,527 4.68%
    Española, NM (FHA|USDA|VA) 2 $360,000 $180,000 $3,368 5.06%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $360,000 $180,000 $4,127 5.38%
    Mineral Wells, TX (FHA|USDA|VA) 1 $355,000 $355,000 $3,826 4.50%
    Elk City, OK (FHA|USDA|VA) 1 $345,000 $345,000 $3,288 4.13%
    Moses Lake, WA (FHA|USDA|VA) 1 $345,000 $345,000 $4,769 5.00%
    Ponca City, OK (FHA|USDA|VA) 3 $345,000 $115,000 $2,085 4.83%
    Athens, TX (FHA|USDA|VA) 2 $330,000 $165,000 $3,910 4.75%
    Durango, CO (FHA|USDA|VA) 1 $305,000 $305,000 $3,567 4.88%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $285,000 $285,000 $5,413 4.88%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $285,000 $285,000 $9,922 4.38%
    SAGINAW, MI (FHA|USDA|VA) 2 $280,000 $140,000 $3,226 4.69%
    RACINE, WI (FHA|USDA|VA) 1 $265,000 $265,000 $4,130 5.75%
    Quincy, IL-MO (FHA|USDA|VA) 1 $265,000 $265,000 $3,986 5.00%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $255,000 $255,000 $8,134 4.38%
    Bartlesville, OK (FHA|USDA|VA) 1 $255,000 $255,000 $3,638 4.25%
    Tupelo, MS (FHA|USDA|VA) 1 $245,000 $245,000 $3,145 5.50%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $245,000 $245,000 $8,821 4.50%
    Carroll, IA (FHA|USDA|VA) 1 $245,000 $245,000 $5,989 4.75%
    BATTLE CREEK, MI (FHA|USDA|VA) 1 $245,000 $245,000 $2,690 4.38%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $235,000 $235,000 $4,335 5.00%
    MIDLAND, TX (FHA|USDA|VA) 1 $225,000 $225,000 $4,884 4.25%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $225,000 $225,000 $10,418 5.00%
    Hutchinson, KS (FHA|USDA|VA) 2 $220,000 $110,000 $3,184 4.88%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $215,000 $215,000 $8,312 5.00%
    LEWISTON, ID-WA (FHA|USDA|VA) 1 $205,000 $205,000 $11,564 4.38%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $205,000 $205,000 $9,937 4.50%
    Bonham, TX (FHA|USDA|VA) 1 $205,000 $205,000 $4,101 5.38%
    YUMA, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $1,314 4.38%
    Tahlequah, OK (FHA|USDA|VA) 1 $195,000 $195,000 $3,068 4.63%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $195,000 $195,000 $3,554 5.13%
    JACKSON, MS (FHA|USDA|VA) 1 $195,000 $195,000 $9,380 4.25%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $4,290 4.50%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $175,000 $175,000 $8,428 5.50%
    LAWTON, OK (FHA|USDA|VA) 1 $175,000 $175,000 $376 5.50%
    READING, PA (FHA|USDA|VA) 1 $175,000 $175,000 $4,076 4.75%
    BEND, OR (FHA|USDA|VA) 1 $175,000 $175,000 $8,455 4.50%
    AMARILLO, TX (FHA|USDA|VA) 1 $165,000 $165,000 $4,165 4.75%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $165,000 $165,000 $8,669 4.25%
    Spirit Lake, IA (FHA|USDA|VA) 1 $165,000 $165,000 $2,999 5.13%
    Durant, OK (FHA|USDA|VA) 1 $165,000 $165,000 $3,196 4.75%
    Van Wert, OH (FHA|USDA|VA) 1 $165,000 $165,000 $7,063 5.63%
    Winfield, KS (FHA|USDA|VA) 1 $165,000 $165,000 $2,873 4.75%
    Garden City, KS (FHA|USDA|VA) 1 $155,000 $155,000 $2,512 4.50%
    ABILENE, TX (FHA|USDA|VA) 1 $155,000 $155,000 $4,570 4.25%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,272 4.50%
    Warrensburg, MO (FHA|USDA|VA) 1 $145,000 $145,000 $5,669 4.88%
    LONGVIEW, TX (FHA|USDA|VA) 1 $145,000 $145,000 $6,434 4.50%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $145,000 $145,000 $3,521 5.25%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,298 4.75%
    Marquette, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,442 4.75%
    MIDLAND, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,470 4.63%
    MUSKEGON, MI (FHA|USDA|VA) 1 $125,000 $125,000 $4,569 4.88%
    Lewistown, PA (FHA|USDA|VA) 1 $125,000 $125,000 $1,638 5.63%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $125,000 $125,000 $2,548 4.88%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $125,000 $125,000 $3,952 6.13%
    LUBBOCK, TX (FHA|USDA|VA) 1 $125,000 $125,000 $4,776 4.75%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $115,000 $115,000 $2,827 5.38%
    MONROE, MI (FHA|USDA|VA) 1 $115,000 $115,000 $4,176 4.25%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $105,000 $105,000 $4,532 5.00%
    OCALA, FL (FHA|USDA|VA) 1 $95,000 $95,000 $3,140 4.63%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $85,000 $85,000 $3,783 4.13%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $85,000 $85,000 $2,428 5.38%
    Taos, NM (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.92%
    Alma, MI (FHA|USDA|VA) 1 $75,000 $75,000 $4,000 4.25%
    Houghton, MI (FHA|USDA|VA) 1 $75,000 $75,000 $1,752 4.25%
    Guymon, OK (FHA|USDA|VA) 1 $55,000 $55,000 $3,911 4.88%
    JONESBORO, AR (FHA|USDA|VA) 1 $55,000 $55,000 $2,882 5.00%
    Roswell, NM (FHA|USDA|VA) 1 $45,000 $45,000 $3,325 4.75%
    Sunflower Bank's top markets include Dallas, Phoenix, Denver, Kansas City, and Oklahoma City among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Sunflower Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,959 $490,435,000 $250,350 $3,965 4.75%
    FHA 244 $47,810,000 $195,943 $7,354 4.81%
    VA 176 $44,330,000 $251,875 $6,387 4.64%
    USDA 55 $7,625,000 $138,636 $3,799 4.74%

    For 2018, Sunflower Bank's most frequently originated type of loan was Conventional, with 1,959 originations. Their 2nd most popular type was FHA, with 244 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,863 $448,705,000 $240,851 $4,610 4.73%
    Cash Out Refi 274 $63,240,000 $230,803 $4,474 4.92%
    Refi 225 $64,025,000 $284,556 $3,718 4.63%
    Other 42 $8,980,000 $213,810 $3,454 4.99%
    Home Improvement 30 $5,250,000 $175,000 $3,306 4.78%

    For 2018, Sunflower Bank's most frequently cited loan purpose was Home Purchase, with 1,863 originations. The 2nd most popular reason was Cash Out Refi, with 274 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,072 $520,300,000 $251,110 $4,665 4.79%
    15 Year 231 $46,625,000 $201,840 $3,612 4.26%
    20 Year 77 $15,915,000 $206,688 $3,285 4.70%
    Other 29 $4,105,000 $141,552 $1,050 5.45%
    10 Year 24 $2,250,000 $93,750 $2,758 4.65%
    5 Year 1 $1,005,000 $1,005,000 $0 4.55%

    For 2018, Sunflower Bank's most frequently cited loan duration was 30 Year, with 2,072 originations. The 2nd most popular length was 15 Year, with 231 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,149 $268,655,000 $233,816
    $<1k 901 $215,795,000 $239,506
    $2k-3k 193 $47,995,000 $248,679
    $3k-4k 94 $22,290,000 $237,128
    $4k-5k 41 $13,035,000 $317,927
    $5k+ 41 $18,255,000 $445,244

    Sunflower Bank's average total fees were $4,665, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,149 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,705 $437,785,000 $256,765
    5-6% 542 $109,950,000 $202,860
    3-4% 154 $38,000,000 $246,753
    6-7% 31 $4,395,000 $141,774
    7-8% 2 $70,000 $35,000

    During 2018, Sunflower Bank's average interest rate for loans was 4.79%, while their most frequently originated rate bucket for loans was 4-5%, with 1,705 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,008 $281,240,000 $279,008 $4,960 4.69%
    $100k-200k 888 $134,190,000 $151,115 $3,914 4.80%
    $100,000 or less 255 $17,505,000 $68,647 $2,797 4.96%
    $400k-600k 219 $99,755,000 $455,502 $6,066 4.63%
    $600k-1MM 47 $33,495,000 $712,660 $5,732 4.56%
    $1MM+ 17 $24,015,000 $1,412,647 $6,562 4.47%

    2018 saw Sunflower Bank place emphasis on $200k-400k loans with 1,008 originations, totaling $281,240,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 587 $155,595,000 $265,068 $4,800 4.70%
    $50k-75k 505 $91,465,000 $181,119 $4,275 4.75%
    $75k-100k 424 $93,810,000 $221,250 $4,364 4.74%
    $150k-250k 390 $121,770,000 $312,231 $4,876 4.75%
    $50k or less 357 $47,665,000 $133,515 $3,905 4.87%
    $250k+ 160 $75,810,000 $473,813 $4,526 4.63%

    Sunflower Bank lent most frequently to those with incomes in the $100k-150k range, with 587 originations. The second most popular income band? $50k-75k, with 505 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 488 $121,700,000 $249,385 $4,212 4.71%
    30-36% 422 $99,870,000 $236,659 $4,338 4.72%
    <20% 148 $30,000,000 $202,703 $3,501 4.68%
    43% 118 $26,460,000 $224,237 $4,572 4.86%
    42% 116 $30,190,000 $260,259 $4,095 4.75%
    41% 111 $31,855,000 $286,982 $4,632 4.71%
    50-60% 106 $25,170,000 $237,453 $7,227 4.77%
    38% 100 $26,680,000 $266,800 $4,651 4.78%
    37% 97 $25,675,000 $264,691 $4,430 4.73%
    44% 93 $23,065,000 $248,011 $4,900 4.81%
    36% 88 $20,240,000 $230,000 $4,320 4.71%
    39% 87 $21,785,000 $250,402 $4,163 4.68%
    40% 82 $18,850,000 $229,878 $4,390 4.79%
    45% 76 $16,200,000 $213,158 $4,453 4.98%
    47% 74 $17,510,000 $236,622 $4,916 4.78%
    49% 71 $16,755,000 $235,986 $4,622 4.79%
    48% 70 $17,770,000 $253,857 $4,483 4.66%
    46% 67 $14,725,000 $219,776 $4,707 4.81%
    >60% 8 $1,550,000 $193,750 $3,731 5.32%

    Sunflower Bank lent most frequently to those with DTI ratios of 20-30%, with 488 originations. The next most common DTI ratio? 30-36%, with 422 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,771 $416,065,000 $234,932 $4,387 4.76%
    Asian 361 $89,365,000 $247,548 $4,502 4.64%
    Not provided 172 $52,520,000 $305,349 $4,571 4.76%
    Black 90 $22,540,000 $250,444 $6,307 4.88%
    American Indian 25 $5,635,000 $225,400 $3,447 4.73%
    Not applicable 8 $2,450,000 $306,250 $0 5.00%
    Filipino 1 $675,000 $675,000 $6,859 4.38%
    Other Asian 3 $475,000 $158,333 $4,320 4.75%
    Asian Indian 2 $280,000 $140,000 $3,270 4.50%
    Native Hawaiian or Islander 1 $195,000 $195,000 $3,794 4.38%

    Approval Rates

    Total approvals of all applications
    92.68%

    Sunflower Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    75.80%

    Sunflower Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,434 $590,200,000 $242,482

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 5 $1,545,000 $309,000
    Single Family (1-4 Units):Manufactured 7 $1,005,000 $143,571
    Single Family (1-4 Units):Site-Built 2,422 $587,650,000 $242,630

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 78 $11,700,000 $150,000 $2,969 4.71%
    40-60% 192 $40,270,000 $209,740 $3,548 4.56%
    60-80% 823 $202,805,000 $246,422 $4,134 4.79%
    80-100% 1,282 $323,700,000 $252,496 $4,830 4.74%
    Over 100% 36 $9,200,000 $255,556 $9,263 4.71%
    Under 20% 22 $2,170,000 $98,636 $1,821 5.36%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Sunflower Bank, National Association 101 Adams Street Monte Vista, CO 81144 Full Service B&M $58,000
    Sunflower Bank, National Association 101 East Stone Street Leeton, MO 64761 Full Service B&M $8,088
    Sunflower Bank, National Association 1010 East 27th Street Hays, KS 67601 Full Service B&M $105,215
    Sunflower Bank, National Association 10851 Mastin Blvd, Suite 150 Overland Park, KS 66210 Full Service B&M $5,544
    Sunflower Bank, National Association 120 West Kansas Avenue Mcpherson, KS 67460 Full Service B&M $28,585
    Sunflower Bank, National Association 13 Avenida Vista Grande Santa Fe, NM 87505 Full Service B&M $82,400
    Sunflower Bank, National Association 13 North Main Street Ellinwood, KS 67526 Full Service B&M $47,557
    Sunflower Bank, National Association 130 Sarber Lane Manhattan, KS 66502 Full Service Retail $8,820
    Sunflower Bank, National Association 1400 16th Street Denver, CO 80202 Full Service B&M $42,742
    Sunflower Bank, National Association 1501 East Magnolia Salina, KS 67401 Limited, Mobile/Seasonal Office $878
    Sunflower Bank, National Association 15100 Rosewood Street Leawood, KS 66224 Full Service B&M $4,427
    Sunflower Bank, National Association 1573 Market St Denver, CO 80202 Full Service B&M $59,478
    Sunflower Bank, National Association 1672 Hospital Drive Santa Fe, NM 87505 Full Service B&M $54,269
    Sunflower Bank, National Association 1701 Santa Fe Drive Pueblo, CO 81006 Full Service B&M $30,312
    Sunflower Bank, National Association 1715 South Pueblo Boulevard Pueblo, CO 81005 Full Service B&M $20,105
    Sunflower Bank, National Association 1738 Pearl Street Boulder, CO 80302 Full Service B&M $59,411
    Sunflower Bank, National Association 176 North Santa Fe Salina, KS 67401 Full Service B&M $52,051
    Sunflower Bank, National Association 1910 Trinity Drive Los Alamos, NM 87544 Full Service B&M $77,938
    Sunflower Bank, National Association 201 E. Main Street, Third Floor El Paso, TX 79901 Full Service B&M $189,437
    Sunflower Bank, National Association 201 North Main Street Wichita, KS 67202 Full Service B&M $25,007
    Sunflower Bank, National Association 2011 Mountain Road, Nw Albuquerque, NM 87104 Full Service B&M $26,160
    Sunflower Bank, National Association 2021 Cerrillos Road Santa Fe, NM 87501 Full Service B&M $83,651
    Sunflower Bank, National Association 203 West Main Street Osborne, KS 67473 Full Service B&M $29,964
    Sunflower Bank, National Association 2070 South Ohio Salina, KS 67401 Full Service B&M $186,048
    Sunflower Bank, National Association 2073 North Webb Road Wichita, KS 67206 Full Service B&M $29,233
    Sunflower Bank, National Association 2200 Louisiana Blvd Ne, Suite 8e Albuquerque, NM 87110 Full Service B&M $30,168
    Sunflower Bank, National Association 2408 First Avenue Dodge City, KS 67801 Full Service B&M $100,897
    Sunflower Bank, National Association 2450 South Ninth Street Salina, KS 67401 Full Service B&M $42,326
    Sunflower Bank, National Association 25 East Ken Pratt Blvd Longmont, CO 80501 Full Service B&M $100,379
    Sunflower Bank, National Association 2535 S Telshor Las Cruces, NM 88011 Full Service B&M $22,309
    Sunflower Bank, National Association 2641 Sw Wanamaker Road Topeka, KS 66614 Full Service B&M $12,473
    Sunflower Bank, National Association 2710 Anderson Manhattan, KS 66502 Full Service B&M $44,237
    Sunflower Bank, National Association 278 University Blvd Denver, CO 80206 Full Service B&M $27,266
    Sunflower Bank, National Association 3105 East Highway 50 Canon City, CO 81212 Full Service Retail $13,856
    Sunflower Bank, National Association 3500 Northrise Dr Las Cruces, NM 88001 Full Service B&M $8,679
    Sunflower Bank, National Association 3600 10th Street Great Bend, KS 67530 Full Service B&M $37,491
    Sunflower Bank, National Association 401 Main Victoria, KS 67671 Full Service B&M $25,603
    Sunflower Bank, National Association 4101 East Harry Street Wichita, KS 67218 Full Service B&M $25,284
    Sunflower Bank, National Association 421 North Water Las Cruces, NM 88001 Full Service B&M $52,851
    Sunflower Bank, National Association 430 Indiana St Golden, CO 80401 Full Service B&M $24,812
    Sunflower Bank, National Association 4720 Roth Avenue Hays, KS 67601 Full Service B&M $27,066
    Sunflower Bank, National Association 4831 Quail Crest Place Lawrence, KS 66049 Full Service B&M $35,437
    Sunflower Bank, National Association 4920 Alameda Avenue El Paso, TX 79905 Full Service B&M $99
    Sunflower Bank, National Association 4995 Governor Miles Rd Santa Fe, NM 87507 Full Service B&M $26,500
    Sunflower Bank, National Association 500 North Franklin Colby, KS 67701 Full Service B&M $54,755
    Sunflower Bank, National Association 510 North Jefferson Junction City, KS 66441 Full Service B&M $34,677
    Sunflower Bank, National Association 510 W 29th Street Pueblo, CO 81008 Full Service B&M $30,647
    Sunflower Bank, National Association 516 West Cordova Santa Fe, NM 87501 Full Service B&M $55,441
    Sunflower Bank, National Association 5299 Dtc Boulevard Greenwood Village, CO 80111 Full Service B&M $50,320
    Sunflower Bank, National Association 62 Lincoln Avenue Santa Fe, NM 87501 Full Service B&M $237,948
    Sunflower Bank, National Association 6801 N Mesa Street El Paso, TX 79912 Full Service B&M $8,007
    Sunflower Bank, National Association 6929 East Greenway Parkway Scottsdale, AZ 85254 Full Service B&M $1
    Sunflower Bank, National Association 711 North Kansas Avenue Liberal, KS 67901 Full Service B&M $51,779
    Sunflower Bank, National Association 740 Main Street Russell, KS 67665 Full Service B&M $42,425
    Sunflower Bank, National Association 7400 West 135th Street Overland Park, KS 66223 Full Service B&M $64,469
    Sunflower Bank, National Association 7620 Jefferson Ne Albuquerque, NM 87109 Full Service B&M $104,157
    Sunflower Bank, National Association 819 South Second Avenue Dodge City, KS 67801 Full Service B&M $5,692
    Sunflower Bank, National Association 831 Royal Gorge Boulevard Canon City, CO 81212 Full Service B&M $130,304

    For 2018, Sunflower Bank had 58 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $147,673
    Net interest income $130,692
    Total noninterest income $42,705
    Gross Fiduciary activities income $3,882
    Service charges on deposit accounts $10,963
    Trading account gains and fees $0
    Additional Noninterest Income $27,860
    Pre-tax net operating income $27,953
    Securities gains (or losses, -) $0
    Income before extraordinary items $21,860
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $21,860
    Minority interest net income $0
    Net income $21,860
    Sale, conversion, retirement of capital stock, net $3,775
    Net operating income $21,860

    Sunflower Bank's gross interest income from loans was $147,673,000.
    Sunflower Bank's net interest income from loans was $130,692,000.
    Sunflower Bank's fee based income from loans was $10,963,000.
    Sunflower Bank's net income from loans was $21,860,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $16,981
    Provision for credit losses $4,050
    Total noninterest expense $141,394
    Salaries and employee benefits $77,472
    Premises and equipment expense $21,917
    Additional noninterest expense $42,005
    Applicable income taxes $6,093
    Net charge-offs $8
    Cash dividends $12,000

    Sunflower Bank's interest expense for loans was $16,981,000.
    Sunflower Bank's payroll and benefits expense were $77,472,000.
    Sunflower Bank's property, plant and equipment expenses $21,917,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 4.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 2.0%
    All other family 1.0%
    Commercial & industrial loans 1.0%
    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 $3,035,170
    Deposits held in domestic offices $3,035,170
    Deposits by Individuals, partnerships, and corporations $2,708,030
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $327,012
    Deposits by Commercial banks and other depository institutions in U.S. $128
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $779,910
    Demand deposits $701,015
    Nontransaction accounts $2,255,260
    Money market deposit accounts (MMDAs) $1,487,711
    Other savings deposits (excluding MMDAs) $329,119
    Total time deposits $438,430
    Total time and savings deposits $2,334,155
    Noninterest-bearing deposits $675,475
    Interest-bearing deposits $2,359,695
    Retail deposits $2,912,301
    IRAs and Keogh plan accounts $62,725
    Brokered deposits $25,563
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,855,606
    Cash & Balances due from depository institutions $100,574
    Interest-bearing balances $40,911
    Total securities $643,729
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,832,706
    Loan and leases loss allowance $26,399
    Trading account assets $0
    Bank premises and fixed assets $61,160
    Other real estate owned $4,042
    Goodwill and other intangibles $71,037
    All other assets $142,358

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,855,606
    Total Liabilities $3,412,784
    Total deposits $3,035,170
    Interest-bearing deposits $2,359,695
    Deposits held in domestic offices $3,035,170
    % insured (estimated) $67
    Federal funds purchased and repurchase agreements $82,789
    Trading liabilities $0
    Other borrowed funds $254,256
    Subordinated debt $0
    All other liabilities $40,569

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,832,706
    Loan and leases loss allowance $26,399
    Total loans and leases (domestic) $2,859,105
    All real estate loans $1,869,570
    Real estate loans in domestic offices $1,869,570
    Construction and development loans $114,017
    Residential 1-4 family construction $10,346
    Other construction, all land development and other land $103,671
    Loans secured by nonfarm nonresidential properties $1,070,339
    Nonfarm nonresidential secured by owner-occupied properties $340,015
    Commercial real estate & other non-farm, non-residential $730,324
    Multifamily residential real estate $31,313
    1-4 family residential loans $640,905
    Farmland loans $12,996
    Loans held in foreign offices $0
    Farm loans $9,320
    Commercial and industrial loans $615,458
    To non-U.S. addressees $35
    Loans to individuals $19,521
    Credit card loans $8,703
    Related Plans $2,388
    Consumer Auto Loans $3,594
    Other loans to individuals $4,836
    All other loans & leases $345,236
    Loans to foreign governments and official institutions $0
    Other loans $20,957
    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 $973
    Non 1-4 family restructured loans & leases $607
    Total loans and leases (foreign) $0

    Sunflower Bank had $2,832,706,000 of loans outstanding in 2018. $1,869,570,000 of loans were in real estate loans. $114,017,000 of loans were in development loans. $31,313,000 of loans were in multifamily mortgage loans. $640,905,000 of loans were in 1-4 family mortgage loans. $9,320,000 of loans were in farm loans. $8,703,000 of loans were in credit card loans. $3,594,000 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 493 $139,252 $282,458
    Nonfarm, nonresidential loans - <$100k 55 $2,409 $43,800
    Nonfarm, nonresidential loans - $100-250k 151 $18,425 $122,020
    Nonfarm, nonresidential loans - $250k-1MM 287 $118,418 $412,606
    Commercial & Industrial, US addressed loans - <$1MM 901 $155,157 $172,205
    Commercial & Industrial, US addressed loans - <$100k 349 $9,588 $27,473
    Commercial & Industrial, US addressed loans - $100-250k 226 $22,388 $99,062
    Commercial & Industrial, US addressed loans - $250k-1MM 326 $123,181 $377,856
    Farmland loans - <$1MM 76 $10,675 $140,461
    Farmland loans - <$100k 25 $837 $33,480
    Farmland loans - $100-250k 28 $3,373 $120,464
    Farmland loans - $250k-1MM 23 $6,465 $281,087
    Agriculture operations loans - <$1MM 84 $7,718 $91,881
    Agriculture operations loans - <$100k 50 $1,330 $26,600
    Agriculture operations loans - $100-250k 18 $1,510 $83,889
    Agriculture operations loans - $250k-1MM 16 $4,878 $304,875