Sunflower Bank Mortgage Rates, Fees & Info
Denver, COLEI: 2549008TT6UNYR7AXF54
Tax ID: 48-0216075
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Review & Overview
Sunflower Bank is a small bank specializing in Home Purchase and Refi 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, Denver, Dallas, Kansas City, and Spokane among others. We have data for 266 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.
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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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,731Origination Dollar Volume (All Markets)
$1,352,835,000Employee count
971Awards
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Sunflower Bank - 2019
Sunflower Bank is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 758 | $241,610,000 | $318,747 | $5,143 | 4.33% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 522 | $196,200,000 | $375,862 | $4,955 | 4.17% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 524 | $146,070,000 | $278,760 | $5,614 | 4.06% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 279 | $75,605,000 | $270,986 | $4,152 | 4.08% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 287 | $70,055,000 | $244,094 | $5,965 | 4.35% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 158 | $37,830,000 | $239,430 | $3,734 | 4.11% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 98 | $37,330,000 | $380,918 | $8,380 | 3.97% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 160 | $36,620,000 | $228,875 | $5,583 | 4.29% |
| FLINT, MI (FHA|USDA|VA) | 176 | $29,250,000 | $166,193 | $3,329 | 4.14% |
| Outside of Metro Areas | 136 | $28,270,000 | $207,868 | $4,368 | 4.08% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 89 | $20,345,000 | $228,596 | $4,718 | 4.18% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 58 | $20,130,000 | $347,069 | $4,737 | 3.95% |
| WICHITA, KS (FHA|USDA|VA) | 97 | $18,955,000 | $195,412 | $4,384 | 4.12% |
| SANTA FE, NM (FHA|USDA|VA) | 64 | $18,340,000 | $286,563 | $4,344 | 4.20% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 34 | $16,200,000 | $476,471 | $7,147 | 3.65% |
| Los Alamos, NM (FHA|USDA|VA) | 42 | $13,690,000 | $325,952 | $5,659 | 4.02% |
| GREELEY, CO (FHA|USDA|VA) | 40 | $13,270,000 | $331,750 | $5,606 | 4.19% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 19 | $12,215,000 | $642,895 | $8,410 | 4.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 46 | $11,340,000 | $246,522 | $6,774 | 4.06% |
| BOULDER, CO (FHA|USDA|VA) | 19 | $10,935,000 | $575,526 | $4,216 | 4.03% |
| EL PASO, TX (FHA|USDA|VA) | 40 | $10,160,000 | $254,000 | $5,891 | 4.28% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 31 | $9,445,000 | $304,677 | $7,090 | 3.92% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 32 | $9,390,000 | $293,438 | $5,960 | 4.11% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 24 | $9,180,000 | $382,500 | $6,206 | 4.09% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 28 | $8,790,000 | $313,929 | $6,552 | 4.09% |
| Salina, KS (FHA|USDA|VA) | 48 | $7,460,000 | $155,417 | $2,293 | 4.20% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 21 | $7,365,000 | $350,714 | $5,814 | 3.99% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 10 | $6,700,000 | $670,000 | $10,032 | 4.14% |
| LAS CRUCES, NM (FHA|USDA|VA) | 39 | $6,645,000 | $170,385 | $4,903 | 4.45% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 16 | $6,440,000 | $402,500 | $8,007 | 3.90% |
| Hays, KS (FHA|USDA|VA) | 44 | $5,270,000 | $119,773 | $2,833 | 4.19% |
| FORT COLLINS, CO (FHA|USDA|VA) | 13 | $5,145,000 | $395,769 | $6,265 | 4.45% |
| Edwards, CO (FHA|USDA|VA) | 6 | $5,120,000 | $853,333 | $6,989 | 3.98% |
| Outside of Metro Areas | 16 | $5,110,000 | $319,375 | $6,549 | 4.08% |
| MANHATTAN, KS (FHA|USDA|VA) | 27 | $5,015,000 | $185,741 | $3,218 | 4.06% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 15 | $4,995,000 | $333,000 | $5,316 | 3.57% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 11 | $4,765,000 | $433,182 | $11,936 | 4.32% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 26 | $4,470,000 | $171,923 | $6,705 | 4.89% |
| Show Low, AZ (FHA|USDA|VA) | 17 | $4,465,000 | $262,647 | $5,454 | 4.22% |
| Breckenridge, CO (FHA|USDA|VA) | 7 | $4,115,000 | $587,857 | $5,504 | 3.80% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 8 | $4,070,000 | $508,750 | $4,776 | 3.69% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 9 | $3,675,000 | $408,333 | $7,238 | 3.96% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 12 | $3,530,000 | $294,167 | $4,120 | 3.56% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 14 | $3,510,000 | $250,714 | $6,858 | 3.98% |
| Cañon City, CO (FHA|USDA|VA) | 16 | $3,060,000 | $191,250 | $3,947 | 3.98% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 8 | $2,950,000 | $368,750 | $7,882 | 3.88% |
| PUEBLO, CO (FHA|USDA|VA) | 20 | $2,950,000 | $147,500 | $4,092 | 4.36% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 7 | $2,845,000 | $406,429 | $3,788 | 4.09% |
| COLUMBUS, OH (FHA|USDA|VA) | 13 | $2,735,000 | $210,385 | $5,740 | 3.98% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 8 | $2,730,000 | $341,250 | $5,709 | 4.48% |
| Dodge City, KS (FHA|USDA|VA) | 26 | $2,660,000 | $102,308 | $2,598 | 4.98% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 9 | $2,595,000 | $288,333 | $5,690 | 3.82% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 9 | $2,365,000 | $262,778 | $6,121 | 3.88% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $2,335,000 | $778,333 | $10,471 | 4.04% |
| TUCSON, AZ (FHA|USDA|VA) | 10 | $2,330,000 | $233,000 | $5,515 | 4.19% |
| BEND, OR (FHA|USDA|VA) | 5 | $2,325,000 | $465,000 | $9,072 | 4.15% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 6 | $2,310,000 | $385,000 | $3,189 | 3.79% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 6 | $2,170,000 | $361,667 | $8,208 | 3.81% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 9 | $2,135,000 | $237,222 | $3,797 | 4.25% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 7 | $2,045,000 | $292,143 | $4,584 | 3.37% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $2,040,000 | $255,000 | $8,211 | 3.66% |
| Kapaa, HI (FHA|USDA|VA) | 1 | $2,025,000 | $2,025,000 | $0 | 5.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 6 | $1,940,000 | $323,333 | $6,602 | 3.88% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 8 | $1,910,000 | $238,750 | $4,249 | 4.47% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 8 | $1,890,000 | $236,250 | $4,708 | 4.20% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 7 | $1,845,000 | $263,571 | $5,448 | 3.77% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $1,750,000 | $875,000 | $10,383 | 3.63% |
| LAWRENCE, KS (FHA|USDA|VA) | 8 | $1,750,000 | $218,750 | $3,017 | 4.13% |
| Sandpoint, ID (FHA|USDA|VA) | 7 | $1,685,000 | $240,714 | $8,046 | 4.07% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 4 | $1,640,000 | $410,000 | $8,418 | 4.13% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $3,851 | 3.65% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $5,581 | 3.53% |
| BOISE CITY, ID (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $4,997 | 3.96% |
| Traverse City, MI (FHA|USDA|VA) | 6 | $1,460,000 | $243,333 | $3,775 | 4.27% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 4 | $1,460,000 | $365,000 | $12,888 | 4.47% |
| Payson, AZ (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $5,297 | 4.25% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 9 | $1,345,000 | $149,444 | $5,695 | 4.43% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $6,793 | 3.75% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $6,446 | 4.00% |
| ANN ARBOR, MI (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $5,395 | 3.93% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 8 | $1,220,000 | $152,500 | $3,768 | 4.31% |
| SALEM, OR (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $3,938 | 3.97% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $3,365 | 4.19% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $8,131 | 3.97% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $10,456 | 3.43% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $5,594 | 4.50% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $4,762 | 3.92% |
| Great Bend, KS (FHA|USDA|VA) | 11 | $1,075,000 | $97,727 | $2,432 | 4.54% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $3,054 | 3.47% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $5,377 | 3.71% |
| TULSA, OK (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $5,637 | 4.56% |
| AKRON, OH (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $4,819 | 4.13% |
| RENO, NV (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $4,825 | 3.63% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $6,198 | 4.66% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $2,790 | 3.96% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $6,956 | 3.71% |
| WENATCHEE, WA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $3,338 | 4.54% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $1,510 | 4.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $5,367 | 4.19% |
| LONGVIEW, TX (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $4,191 | 4.09% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $3,080 | 4.81% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $5,464 | 4.19% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $9,950 | 3.56% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $7,377 | 3.67% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $13,396 | 3.31% |
| Las Vegas, NM (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $5,539 | 4.05% |
| Liberal, KS (FHA|USDA|VA) | 7 | $795,000 | $113,571 | $3,162 | 4.36% |
| Durango, CO (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $4,615 | 3.88% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $26,868 | 4.13% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $5,762 | 3.50% |
| TOPEKA, KS (FHA|USDA|VA) | 6 | $750,000 | $125,000 | $2,773 | 4.56% |
| Granbury, TX (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $4,521 | 3.96% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $6,908 | 3.44% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $7,563 | 4.38% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,764 | 3.63% |
| Centralia, WA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $10,320 | 3.63% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $12,443 | 3.44% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $4,101 | 3.83% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $6,519 | 4.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $7,365 | 4.56% |
| Clovis, NM (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $3,841 | 3.96% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $3,062 | 4.88% |
| McPherson, KS (FHA|USDA|VA) | 7 | $675,000 | $96,429 | $2,696 | 4.37% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $6,093 | 4.06% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $7,841 | 4.00% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $4,466 | 3.19% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $7,568 | 3.42% |
| Athens, TX (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $5,405 | 3.93% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,414 | 3.19% |
| TYLER, TX (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $5,832 | 3.62% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,834 | 4.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,802 | 4.00% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,198 | 3.56% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $6,279 | 3.81% |
| Dixon, IL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,795 | 3.44% |
| SAGINAW, MI (FHA|USDA|VA) | 5 | $525,000 | $105,000 | $3,238 | 4.10% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $7,066 | 4.81% |
| Alamogordo, NM (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $8,718 | 3.38% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,023 | 3.25% |
| MONROE, MI (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $5,601 | 4.71% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,773 | 3.88% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,625 | 3.88% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $6,391 | 4.25% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $7,418 | 3.88% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,540 | 4.75% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $5,496 | 3.88% |
| MERCED, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,318 | 3.38% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $9,597 | 5.19% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,438 | 5.31% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,028 | 4.25% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $5,833 | 3.99% |
| Taos, NM (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $4,116 | 4.88% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $4,316 | 3.44% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $9,218 | 3.56% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,238 | 3.38% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $12,690 | 3.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,968 | 4.00% |
| Newport, OR (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,086 | 4.31% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $9,106 | 3.25% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $10,153 | 3.00% |
| Adrian, MI (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,204 | 4.19% |
| Torrington, CT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $11,929 | 4.50% |
| Spirit Lake, IA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,205 | 4.75% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $11,199 | 3.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,525 | 5.19% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,830 | 4.25% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,521 | 4.38% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,665 | 3.50% |
| Brownwood, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,035 | 3.56% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,177 | 4.50% |
| Helena, MT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,774 | 3.99% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,117 | 3.25% |
| Russellville, AR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,615 | 3.63% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,802 | 3.13% |
| JACKSON, MI (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,106 | 4.25% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $899 | 4.13% |
| GETTYSBURG, PA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,461 | 4.93% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,531 | 3.00% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,252 | 4.50% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,461 | 4.00% |
| Holland, MI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,072 | 4.38% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,082 | 5.75% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,846 | 4.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,804 | 4.19% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,977 | 4.00% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,413 | 3.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,850 | 3.63% |
| Bonham, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,065 | 3.88% |
| Branson, MO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,293 | 3.63% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,493 | 3.63% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,743 | 5.00% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,421 | 3.38% |
| La Grande, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,313 | 3.63% |
| Española, NM (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,481 | 3.25% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,125 | 4.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,443 | 3.25% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,838 | 3.88% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,330 | 3.63% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,588 | 4.00% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,413 | 3.38% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,025 | 4.13% |
| Tupelo, MS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,942 | 3.88% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,743 | 3.63% |
| Athens, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,158 | 3.25% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,051 | 3.63% |
| Lewistown, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,873 | 4.13% |
| Marshalltown, IA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $15,575 | 4.13% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,563 | 3.88% |
| Sterling, IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,541 | 4.13% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,011 | 3.38% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,035 | 5.88% |
| Garden City, KS (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,376 | 5.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,008 | 4.38% |
| READING, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,129 | 4.00% |
| Paris, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,373 | 4.00% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,467 | 3.88% |
| Durant, OK (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,626 | 3.63% |
| Sweetwater, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,409 | 4.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,502 | 5.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,868 | 3.00% |
| Picayune, MS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,579 | 4.13% |
| MADISON, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,944 | 3.50% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,104 | 4.13% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,507 | 3.63% |
| WACO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,828 | 4.25% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,361 | 3.88% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,771 | 4.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,712 | 4.88% |
| Parsons, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,011 | 4.00% |
| Winfield, KS (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $4,373 | 3.81% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,343 | 3.00% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,654 | 4.00% |
| Van Wert, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,750 | 3.38% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,073 | 4.13% |
| Forest City, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,308 | 3.63% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,810 | 3.88% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,091 | 4.63% |
| Montrose, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,308 | 3.88% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,140 | 3.63% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,119 | 4.13% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,823 | 3.63% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $255 | 3.63% |
| Brenham, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,589 | 4.63% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,139 | 5.88% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,072 | 4.00% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $4,172 | 5.75% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,809 | 3.49% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,900 | 4.13% |
| Huntington, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,173 | 4.13% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,982 | 4.88% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,104 | 4.38% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,627 | 4.50% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,115 | 4.00% |
| RACINE, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,196 | 6.38% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,889 | 5.63% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,433 | 4.50% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,185 | 4.13% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,690 | 4.00% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,010 | 3.63% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,664 | 4.13% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,505 | 3.63% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,265 | 4.25% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,567 | 3.25% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,262 | 3.88% |
| Danville, VA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,052 | 4.25% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,362 | 5.75% |
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Product Mix
For 2019, Sunflower Bank's most frequently originated type of loan was Conventional, with 3,467 originations. Their 2nd most popular type was VA, with 626 originations.
Loan Reason
For 2019, Sunflower Bank's most frequently cited loan purpose was Home Purchase, with 2,926 originations. The 2nd most popular reason was Refi, with 1,095 originations.
Loan Duration/Length
For 2019, Sunflower Bank's most frequently cited loan duration was 30 Year, with 4,135 originations. The 2nd most popular length was 15 Year, with 385 originations.
Origination Fees/Closing Costs
Sunflower Bank's average total fees were $5,400, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,039 originations.
Interest Rates
During 2019, Sunflower Bank's average interest rate for loans was 4.21%, while their most frequently originated rate bucket for loans was 3-4%, with 2,307 originations.
Loan Sizing
2019 saw Sunflower Bank place emphasis on $200k-400k loans with 2,385 originations, totaling $679,445,000 in origination value.
Applicant Income
Sunflower Bank lent most frequently to those with incomes in the $100k-150k range, with 1,079 originations. The second most popular income band? $50k-75k, with 1,033 originations.
Applicant Debt to Income Ratio
Sunflower Bank lent most frequently to those with DTI ratios of 20-30%, with 903 originations. The next most common DTI ratio? 30-36%, with 842 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.33%
Sunflower Bank has an average approval rate.
Pick Rate
Approvals leading to origination69.33%
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 | 4,731 | $1,352,835,000 | $285,951 |
Occupancy Type Mix
LTV Distribution
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 | $57,714 |
| Sunflower Bank, National Association | 101 East Stone Street Leeton, MO 64761 | Full Service B&M | $9,233 |
| Sunflower Bank, National Association | 1010 East 27th Street Hays, KS 67601 | Full Service B&M | $108,447 |
| Sunflower Bank, National Association | 120 West Kansas Avenue Mcpherson, KS 67460 | Full Service B&M | $28,568 |
| Sunflower Bank, National Association | 13 Avenida Vista Grande Santa Fe, NM 87505 | Full Service B&M | $83,152 |
| Sunflower Bank, National Association | 13 North Main Street Ellinwood, KS 67526 | Full Service B&M | $49,290 |
| Sunflower Bank, National Association | 130 Sarber Lane Manhattan, KS 66502 | Full Service Retail | $9,476 |
| Sunflower Bank, National Association | 1400 16th Street Denver, CO 80202 | Full Service B&M | $178,824 |
| Sunflower Bank, National Association | 1501 East Magnolia Salina, KS 67401 | Limited, Mobile/Seasonal Office | $1,098 |
| Sunflower Bank, National Association | 15100 Rosewood Street Leawood, KS 66224 | Full Service B&M | $17,736 |
| Sunflower Bank, National Association | 1573 Market St Denver, CO 80202 | Full Service B&M | $50,205 |
| Sunflower Bank, National Association | 1701 Santa Fe Drive Pueblo, CO 81006 | Full Service B&M | $33,403 |
| Sunflower Bank, National Association | 1715 South Pueblo Boulevard Pueblo, CO 81005 | Full Service B&M | $24,909 |
| Sunflower Bank, National Association | 1738 Pearl Street Boulder, CO 80302 | Full Service B&M | $78,737 |
| Sunflower Bank, National Association | 176 North Santa Fe Salina, KS 67401 | Full Service B&M | $81,875 |
| Sunflower Bank, National Association | 1910 Trinity Drive Los Alamos, NM 87544 | Full Service B&M | $81,262 |
| Sunflower Bank, National Association | 201 E. Main Street, Third Floor El Paso, TX 79901 | Full Service B&M | $155,564 |
| Sunflower Bank, National Association | 201 North Main Street Wichita, KS 67202 | Full Service B&M | $39,013 |
| Sunflower Bank, National Association | 2011 Mountain Road, Nw Albuquerque, NM 87104 | Full Service B&M | $22,367 |
| Sunflower Bank, National Association | 2021 Cerrillos Road Santa Fe, NM 87501 | Full Service B&M | $83,461 |
| Sunflower Bank, National Association | 203 West Main Street Osborne, KS 67473 | Full Service B&M | $33,753 |
| Sunflower Bank, National Association | 2070 South Ohio Salina, KS 67401 | Full Service B&M | $196,403 |
| Sunflower Bank, National Association | 2073 North Webb Road Wichita, KS 67206 | Full Service B&M | $37,821 |
| Sunflower Bank, National Association | 2200 Louisiana Blvd Ne, Suite 8e Albuquerque, NM 87110 | Full Service B&M | $61,615 |
| Sunflower Bank, National Association | 2408 First Avenue Dodge City, KS 67801 | Full Service B&M | $109,619 |
| Sunflower Bank, National Association | 2450 South Ninth Street Salina, KS 67401 | Full Service B&M | $44,519 |
| Sunflower Bank, National Association | 25 East Ken Pratt Blvd Longmont, CO 80501 | Full Service B&M | $111,833 |
| Sunflower Bank, National Association | 2535 S Telshor Las Cruces, NM 88011 | Full Service B&M | $23,949 |
| Sunflower Bank, National Association | 2641 Sw Wanamaker Road Topeka, KS 66614 | Full Service B&M | $15,056 |
| Sunflower Bank, National Association | 2710 Anderson Manhattan, KS 66502 | Full Service B&M | $43,405 |
| Sunflower Bank, National Association | 278 University Blvd Denver, CO 80206 | Full Service B&M | $48,183 |
| Sunflower Bank, National Association | 3105 East Highway 50 Canon City, CO 81212 | Full Service Retail | $14,306 |
| Sunflower Bank, National Association | 3500 Northrise Dr Las Cruces, NM 88001 | Full Service B&M | $13,372 |
| Sunflower Bank, National Association | 3600 10th Street Great Bend, KS 67530 | Full Service B&M | $43,972 |
| Sunflower Bank, National Association | 401 Main Victoria, KS 67671 | Full Service B&M | $24,702 |
| Sunflower Bank, National Association | 4101 East Harry Street Wichita, KS 67218 | Full Service B&M | $28,292 |
| Sunflower Bank, National Association | 421 North Water Las Cruces, NM 88001 | Full Service B&M | $44,766 |
| Sunflower Bank, National Association | 4720 Roth Avenue Hays, KS 67601 | Full Service B&M | $30,546 |
| Sunflower Bank, National Association | 4831 Quail Crest Place Lawrence, KS 66049 | Full Service B&M | $35,235 |
| Sunflower Bank, National Association | 4920 Alameda Avenue El Paso, TX 79905 | Full Service B&M | $34,661 |
| Sunflower Bank, National Association | 500 North Franklin Colby, KS 67701 | Full Service B&M | $54,810 |
| Sunflower Bank, National Association | 510 North Jefferson Junction City, KS 66441 | Full Service B&M | $34,654 |
| Sunflower Bank, National Association | 510 W 29th Street Pueblo, CO 81008 | Full Service B&M | $35,381 |
| Sunflower Bank, National Association | 516 West Cordova Santa Fe, NM 87501 | Full Service B&M | $54,137 |
| Sunflower Bank, National Association | 5299 Dtc Boulevard, Suite 100 Greenwood Village, CO 80111 | Full Service B&M | $74,457 |
| Sunflower Bank, National Association | 615 24th Street Golden, CO 80401 | Full Service B&M | $45,976 |
| Sunflower Bank, National Association | 62 Lincoln Avenue Santa Fe, NM 87501 | Full Service B&M | $313,329 |
| Sunflower Bank, National Association | 665 Flatiron Marketplace Broomfield, CO 80021 | Full Service B&M | $2,788 |
| Sunflower Bank, National Association | 6801 N Mesa Street El Paso, TX 79912 | Full Service B&M | $15,127 |
| Sunflower Bank, National Association | 7047 East Greenway Parkway Scottsdale, AZ 85254 | Full Service B&M | $22,461 |
| Sunflower Bank, National Association | 7100 Broadway Denver, CO 80221 | Full Service B&M | $29,027 |
| Sunflower Bank, National Association | 711 North Kansas Avenue Liberal, KS 67901 | Full Service B&M | $48,968 |
| Sunflower Bank, National Association | 7300 Jefferson St Ne Albuquerque, NM 87109 | Full Service B&M | $168,621 |
| Sunflower Bank, National Association | 740 Main Street Russell, KS 67665 | Full Service B&M | $43,686 |
| Sunflower Bank, National Association | 7400 West 135th Street Overland Park, KS 66223 | Full Service B&M | $56,603 |
| Sunflower Bank, National Association | 819 South Second Avenue Dodge City, KS 67801 | Full Service B&M | $5,772 |
| Sunflower Bank, National Association | 831 Royal Gorge Boulevard Canon City, CO 81212 | Full Service B&M | $137,000 |
For 2019, Sunflower Bank had 57 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $155,815 |
| Net interest income | $129,790 |
| Total noninterest income | $69,382 |
| Gross Fiduciary activities income | $3,768 |
| Service charges on deposit accounts | $11,104 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $54,510 |
| Pre-tax net operating income | $25,868 |
| Securities gains (or losses, -) | $1,583 |
| Income before extraordinary items | $24,588 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $24,588 |
| Minority interest net income | $0 |
| Net income | $24,588 |
| Sale, conversion, retirement of capital stock, net | $2,025 |
| Net operating income | $23,163 |
Sunflower Bank's gross interest income from loans was $155,815,000.
Sunflower Bank's net interest income from loans was $129,790,000.
Sunflower Bank's fee based income from loans was $11,104,000.
Sunflower Bank's net income from loans was $24,588,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $26,025 |
| Provision for credit losses | $6,050 |
| Total noninterest expense | $167,254 |
| Salaries and employee benefits | $103,271 |
| Premises and equipment expense | $23,368 |
| Additional noninterest expense | $40,615 |
| Applicable income taxes | $2,863 |
| Net charge-offs | $3,903 |
| Cash dividends | $32,000 |
Sunflower Bank's interest expense for loans was $26,025,000.
Sunflower Bank's payroll and benefits expense were $103,271,000.
Sunflower Bank's property, plant and equipment expenses $23,368,000.
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 | $3,493,552 |
| Deposits held in domestic offices | $3,493,552 |
| Deposits by Individuals, partnerships, and corporations | $3,112,174 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $381,186 |
| Deposits by Commercial banks and other depository institutions in U.S. | $192 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $856,352 |
| Demand deposits | $760,185 |
| Nontransaction accounts | $2,637,200 |
| Money market deposit accounts (MMDAs) | $1,680,281 |
| Other savings deposits (excluding MMDAs) | $324,629 |
| Total time deposits | $632,290 |
| Total time and savings deposits | $2,733,367 |
| Noninterest-bearing deposits | $749,057 |
| Interest-bearing deposits | $2,744,495 |
| Retail deposits | $3,194,578 |
| IRAs and Keogh plan accounts | $57,907 |
| Brokered deposits | $192,376 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $4,172,729 |
| Cash & Balances due from depository institutions | $144,530 |
| Interest-bearing balances | $86,121 |
| Total securities | $603,517 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $3,153,496 |
| Loan and leases loss allowance | $28,546 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $60,749 |
| Other real estate owned | $6,763 |
| Goodwill and other intangibles | $71,955 |
| All other assets | $131,719 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $4,172,729 |
| Total Liabilities | $3,722,801 |
| Total deposits | $3,493,552 |
| Interest-bearing deposits | $2,744,495 |
| Deposits held in domestic offices | $3,493,552 |
| % insured (estimated) | $67 |
| Federal funds purchased and repurchase agreements | $68,111 |
| Trading liabilities | $0 |
| Other borrowed funds | $96,841 |
| Subordinated debt | $0 |
| All other liabilities | $64,297 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $3,153,496 |
| Loan and leases loss allowance | $28,546 |
| Total loans and leases (domestic) | $3,182,042 |
| All real estate loans | $1,789,995 |
| Real estate loans in domestic offices | $1,789,995 |
| Construction and development loans | $101,909 |
| Residential 1-4 family construction | $6,285 |
| Other construction, all land development and other land | $95,624 |
| Loans secured by nonfarm nonresidential properties | $953,400 |
| Nonfarm nonresidential secured by owner-occupied properties | $360,633 |
| Commercial real estate & other non-farm, non-residential | $592,767 |
| Multifamily residential real estate | $27,625 |
| 1-4 family residential loans | $696,829 |
| Farmland loans | $10,232 |
| Loans held in foreign offices | $0 |
| Farm loans | $4,776 |
| Commercial and industrial loans | $796,719 |
| To non-U.S. addressees | $17 |
| Loans to individuals | $18,915 |
| Credit card loans | $6,526 |
| Related Plans | $3,005 |
| Consumer Auto Loans | $4,160 |
| Other loans to individuals | $5,224 |
| All other loans & leases | $571,637 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $16,003 |
| 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 | $181 |
| Non 1-4 family restructured loans & leases | $100 |
| Total loans and leases (foreign) | $0 |
Sunflower Bank had $3,153,496,000 of loans outstanding in 2019. $1,789,995,000 of loans were in real estate loans. $101,909,000 of loans were in development loans. $27,625,000 of loans were in multifamily mortgage loans. $696,829,000 of loans were in 1-4 family mortgage loans. $4,776,000 of loans were in farm loans. $6,526,000 of loans were in credit card loans. $4,160,000 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 | 466 | $142,585 | $305,976 |
| Nonfarm, nonresidential loans - <$100k | 47 | $2,077 | $44,191 |
| Nonfarm, nonresidential loans - $100-250k | 139 | $16,627 | $119,619 |
| Nonfarm, nonresidential loans - $250k-1MM | 280 | $123,881 | $442,432 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,009 | $184,738 | $183,090 |
| Commercial & Industrial, US addressed loans - <$100k | 396 | $13,514 | $34,126 |
| Commercial & Industrial, US addressed loans - $100-250k | 232 | $27,841 | $120,004 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 381 | $143,383 | $376,333 |
| Farmland loans - <$1MM | 55 | $6,618 | $120,327 |
| Farmland loans - <$100k | 19 | $791 | $41,632 |
| Farmland loans - $100-250k | 23 | $2,630 | $114,348 |
| Farmland loans - $250k-1MM | 13 | $3,197 | $245,923 |
| Agriculture operations loans - <$1MM | 56 | $3,224 | $57,571 |
| Agriculture operations loans - <$100k | 42 | $1,302 | $31,000 |
| Agriculture operations loans - $100-250k | 10 | $1,006 | $100,600 |
| Agriculture operations loans - $250k-1MM | 4 | $916 | $229,000 |