Sunflower Bank Mortgage Rates, Fees & Info

Denver, CO

LEI: 2549008TT6UNYR7AXF54

Tax ID: 48-0216075

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Mortgage Data

Bank Data

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.

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% 3/28/24
30 Year Conventional Refi 6.10% 3/28/24
30 Year Cash-out Refi 6.66% 3/28/24
30 Year FHA Purchase 7.02% 3/28/24
30 Year FHA Refi 6.68% 3/28/24
30 Year VA Purchase 5.88% 3/28/24
30 Year VA Refi 6.21% 3/28/24
30 Year USDA Purchase 6.62% 3/28/24
15 Year Conventional Purchase 6.16% 3/28/24
15 Year Conventional Refi 6.17% 3/28/24
15 Year Cash-out Refi 6.17% 3/28/24
15 Year FHA Purchase 5.68% 3/28/24
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

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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

4,731

Origination Dollar Volume (All Markets)

$1,352,835,000

Employee count

971 Show all (11) 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
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%
Sunflower Bank's top markets include Phoenix, Denver, Dallas, Kansas City, and Spokane among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,467 $1,000,655,000 $288,623 $4,326 4.23%
    VA 626 $209,380,000 $334,473 $6,958 3.71%
    FHA 597 $136,525,000 $228,685 $8,222 4.29%
    USDA 41 $6,275,000 $153,049 $4,892 4.00%

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,926 $836,640,000 $285,933 $5,701 4.22%
    Refi 1,095 $331,945,000 $303,146 $4,032 3.91%
    Cash Out Refi 648 $171,770,000 $265,077 $4,869 4.29%
    Other 41 $7,725,000 $188,415 $3,761 4.68%
    Home Improvement 21 $4,755,000 $226,429 $3,133 4.70%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,135 $1,214,965,000 $293,825 $5,400 4.21%
    15 Year 385 $90,795,000 $235,831 $3,698 3.62%
    20 Year 134 $30,120,000 $224,776 $3,451 4.19%
    10 Year 37 $4,285,000 $115,811 $2,529 4.38%
    Other 33 $11,445,000 $346,818 $3,991 4.26%
    5 Year 7 $1,225,000 $175,000 $950 5.32%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 3,039 $834,115,000 $274,470
    $2k-3k 626 $175,850,000 $280,911
    $<1k 494 $134,410,000 $272,085
    $3k-4k 254 $77,720,000 $305,984
    $5k+ 175 $79,955,000 $456,886
    $4k-5k 134 $45,330,000 $338,284

    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

    Loan Rate Originations Total Value Average Loan
    3-4% 2,307 $699,845,000 $303,357
    4-5% 1,904 $529,800,000 $278,256
    5-6% 366 $79,160,000 $216,284
    2.5-3% 117 $38,225,000 $326,709
    6-7% 33 $5,065,000 $153,485
    <2.5% 3 $155,000 $51,667
    7-8% 1 $585,000 $585,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,385 $679,445,000 $284,883 $5,331 4.09%
    $100k-200k 1,219 $189,875,000 $155,763 $4,252 4.29%
    $400k-600k 643 $302,535,000 $470,505 $6,525 4.00%
    $100,000 or less 304 $20,860,000 $68,618 $2,956 4.58%
    $600k-1MM 143 $104,875,000 $733,392 $8,026 4.19%
    $1MM+ 37 $55,245,000 $1,493,108 $9,361 4.11%

    2019 saw Sunflower Bank place emphasis on $200k-400k loans with 2,385 originations, totaling $679,445,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,079 $324,805,000 $301,024 $5,401 4.15%
    $50k-75k 1,033 $219,035,000 $212,038 $5,012 4.26%
    $75k-100k 833 $214,045,000 $256,957 $5,405 4.19%
    $150k-250k 681 $256,675,000 $376,909 $5,420 4.07%
    $50k or less 579 $87,285,000 $150,751 $4,306 4.31%
    $250k+ 294 $171,660,000 $583,878 $5,574 4.15%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 903 $251,405,000 $278,411 $4,516 4.13%
    30-36% 842 $233,650,000 $277,494 $4,776 4.17%
    50-60% 281 $78,235,000 $278,416 $8,162 4.17%
    <20% 270 $69,650,000 $257,963 $3,846 4.00%
    42% 211 $67,735,000 $321,019 $5,007 4.20%
    44% 196 $54,900,000 $280,102 $5,302 4.27%
    41% 191 $55,815,000 $292,225 $5,283 4.31%
    38% 172 $52,790,000 $306,919 $5,645 4.24%
    40% 169 $54,695,000 $323,639 $5,380 4.27%
    43% 168 $46,680,000 $277,857 $5,222 4.34%
    36% 163 $48,105,000 $295,123 $5,630 4.13%
    39% 156 $44,530,000 $285,449 $5,126 4.34%
    49% 139 $37,545,000 $270,108 $5,486 4.29%
    45% 138 $38,390,000 $278,188 $5,465 4.25%
    37% 138 $41,590,000 $301,377 $4,748 4.26%
    47% 132 $36,230,000 $274,470 $5,774 4.26%
    48% 121 $32,955,000 $272,355 $5,800 4.17%
    46% 103 $27,415,000 $266,165 $5,617 4.24%
    >60% 25 $7,265,000 $290,600 $7,061 4.28%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,803 $1,079,475,000 $283,848 $5,078 4.16%
    Not provided 401 $119,705,000 $298,516 $5,555 4.21%
    Asian 229 $71,115,000 $310,546 $4,691 4.07%
    Black 226 $60,800,000 $269,027 $6,550 4.15%
    American Indian 40 $10,080,000 $252,000 $5,310 4.24%
    Not applicable 7 $4,925,000 $703,571 $0 4.64%
    Native Hawaiian or Islander 8 $2,230,000 $278,750 $4,094 3.92%
    Asian Indian 4 $1,280,000 $320,000 $5,757 4.12%
    Other Asian 5 $1,225,000 $245,000 $6,303 4.25%
    Chinese 2 $770,000 $385,000 $7,769 4.19%
    Vietnamese 2 $450,000 $225,000 $4,012 4.00%
    Korean 1 $285,000 $285,000 $4,394 3.63%
    Filipino 1 $275,000 $275,000 $9,277 4.50%
    Other Pacific Islander 2 $220,000 $110,000 $2,356 5.19%

    Approval Rates

    Total approvals of all applications
    94.33%

    Sunflower Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    69.33%

    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

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 5 $1,885,000 $377,000
    Single Family (1-4 Units):Manufactured 50 $8,350,000 $167,000
    Single Family (1-4 Units):Site-Built 4,676 $1,342,600,000 $287,126

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 139 $21,505,000 $154,712 $3,307 4.13%
    40-60% 412 $102,600,000 $249,029 $3,815 3.98%
    60-80% 1,404 $414,690,000 $295,363 $4,309 4.25%
    80-100% 2,414 $703,100,000 $291,259 $5,786 4.21%
    Over 100% 98 $34,160,000 $348,571 $12,371 3.69%
    Under 20% 38 $1,980,000 $52,105 $1,915 4.73%

    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