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, Refi, and Cash Out Refi loans. Sunflower Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Phoenix, Dallas, Spokane, Denver, and Kansas City among others. We have data for 331 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% 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

7,321

Origination Dollar Volume (All Markets)

$2,330,795,000

Employee count

1,033 Show all (8) 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) 1,104 $411,980,000 $373,170 $5,007 3.23%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 828 $249,710,000 $301,582 $5,029 2.95%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 684 $218,860,000 $319,971 $5,629 3.15%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 514 $199,850,000 $388,813 $4,192 3.02%
KANSAS CITY, MO-KS (FHA|USDA|VA) 314 $96,220,000 $306,433 $3,734 3.04%
SANTA FE, NM (FHA|USDA|VA) 179 $62,375,000 $348,464 $4,447 3.07%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 224 $56,580,000 $252,589 $5,471 3.08%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 141 $54,965,000 $389,823 $4,589 3.06%
FLINT, MI (FHA|USDA|VA) 332 $54,710,000 $164,789 $2,868 2.88%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 231 $51,755,000 $224,048 $2,891 2.93%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 86 $41,890,000 $487,093 $7,282 2.90%
ALBUQUERQUE, NM (FHA|USDA|VA) 176 $41,870,000 $237,898 $5,052 3.22%
WICHITA, KS (FHA|USDA|VA) 188 $41,520,000 $220,851 $4,277 3.03%
Outside of Metro Areas 207 $41,295,000 $199,493 $4,236 3.08%
Los Alamos, NM (FHA|USDA|VA) 113 $36,485,000 $322,876 $4,814 2.93%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 65 $34,615,000 $532,538 $5,312 2.73%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 48 $26,660,000 $555,417 $7,206 3.24%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 53 $23,655,000 $446,321 $8,635 3.13%
Outside of Metro Areas 61 $22,675,000 $371,721 $7,401 3.09%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 27 $20,175,000 $747,222 $10,437 3.30%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 10 $19,260,000 $1,926,000 $4,378 3.11%
EL PASO, TX (FHA|USDA|VA) 49 $15,545,000 $317,245 $5,627 3.17%
BOULDER, CO (FHA|USDA|VA) 36 $15,370,000 $426,944 $3,842 2.86%
MANHATTAN, KS (FHA|USDA|VA) 80 $15,240,000 $190,500 $3,385 2.97%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 26 $14,550,000 $559,615 $6,901 3.10%
GREELEY, CO (FHA|USDA|VA) 38 $14,040,000 $369,474 $4,404 3.07%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 53 $13,895,000 $262,170 $4,988 3.02%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 32 $13,500,000 $421,875 $6,184 3.31%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 32 $12,700,000 $396,875 $5,684 3.34%
COLORADO SPRINGS, CO (FHA|USDA|VA) 32 $11,790,000 $368,438 $4,888 2.97%
LAWRENCE, KS (FHA|USDA|VA) 53 $11,395,000 $215,000 $3,384 3.12%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 28 $11,300,000 $403,571 $4,510 3.00%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 26 $9,770,000 $375,769 $6,129 2.93%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 31 $9,375,000 $302,419 $5,837 2.89%
RALEIGH-CARY, NC (FHA|USDA|VA) 29 $9,215,000 $317,759 $3,666 3.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 24 $9,190,000 $382,917 $6,319 2.82%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 25 $8,765,000 $350,600 $4,813 3.04%
Sandpoint, ID (FHA|USDA|VA) 21 $8,665,000 $412,619 $7,006 2.90%
Salina, KS (FHA|USDA|VA) 59 $8,535,000 $144,661 $2,503 2.98%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 20 $8,020,000 $401,000 $7,758 3.15%
FORT COLLINS, CO (FHA|USDA|VA) 22 $7,990,000 $363,182 $4,813 2.88%
LAS CRUCES, NM (FHA|USDA|VA) 42 $7,950,000 $189,286 $4,634 3.19%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 19 $6,855,000 $360,789 $6,553 3.07%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 19 $6,835,000 $359,737 $7,076 3.14%
TUCSON, AZ (FHA|USDA|VA) 21 $5,635,000 $268,333 $4,570 3.02%
Hays, KS (FHA|USDA|VA) 35 $5,625,000 $160,714 $3,627 2.85%
PUEBLO, CO (FHA|USDA|VA) 29 $5,615,000 $193,621 $4,574 3.13%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 15 $5,505,000 $367,000 $7,300 3.13%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $5,465,000 $1,821,667 $5,386 3.77%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 17 $5,455,000 $320,882 $3,760 2.95%
Dodge City, KS (FHA|USDA|VA) 36 $5,110,000 $141,944 $3,356 2.89%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 15 $5,065,000 $337,667 $5,257 3.01%
FLAGSTAFF, AZ (FHA|USDA|VA) 10 $5,010,000 $501,000 $5,159 2.98%
Show Low, AZ (FHA|USDA|VA) 17 $4,615,000 $271,471 $4,439 3.44%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 11 $4,525,000 $411,364 $4,159 2.75%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 6 $4,230,000 $705,000 $10,578 3.46%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 11 $4,175,000 $379,545 $7,285 3.42%
ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $3,565,000 $509,286 $4,205 3.03%
URBAN HONOLULU, HI (FHA|USDA|VA) 6 $3,420,000 $570,000 $8,652 2.95%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $3,310,000 $413,750 $7,516 3.01%
Breckenridge, CO (FHA|USDA|VA) 5 $3,145,000 $629,000 $4,234 3.47%
OKLAHOMA CITY, OK (FHA|USDA|VA) 15 $3,045,000 $203,000 $4,568 2.82%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $2,990,000 $747,500 $8,540 3.68%
CaƱon City, CO (FHA|USDA|VA) 15 $2,975,000 $198,333 $3,971 2.95%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 18 $2,900,000 $161,111 $3,070 3.00%
Edwards, CO (FHA|USDA|VA) 5 $2,885,000 $577,000 $4,338 2.87%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 11 $2,885,000 $262,273 $7,316 3.30%
Payson, AZ (FHA|USDA|VA) 10 $2,800,000 $280,000 $5,828 3.53%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $2,330,000 $582,500 $6,103 3.62%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $2,290,000 $572,500 $2,560 3.03%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $2,260,000 $376,667 $9,133 2.48%
EspaƱola, NM (FHA|USDA|VA) 9 $2,235,000 $248,333 $5,519 3.39%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 4 $2,220,000 $555,000 $7,534 3.40%
YAKIMA, WA (FHA|USDA|VA) 7 $2,195,000 $313,571 $7,063 2.96%
Rexburg, ID (FHA|USDA|VA) 5 $2,195,000 $439,000 $5,390 3.50%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 7 $2,175,000 $310,714 $3,912 2.95%
HUNTSVILLE, AL (FHA|USDA|VA) 6 $2,040,000 $340,000 $4,310 3.39%
Athens, TX (FHA|USDA|VA) 5 $2,015,000 $403,000 $6,291 2.97%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 9 $2,015,000 $223,889 $5,992 3.09%
BOISE CITY, ID (FHA|USDA|VA) 7 $1,975,000 $282,143 $5,700 3.07%
McPherson, KS (FHA|USDA|VA) 15 $1,955,000 $130,333 $2,511 3.01%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 5 $1,945,000 $389,000 $4,842 2.99%
Heber, UT (FHA|USDA|VA) 2 $1,910,000 $955,000 $23,417 3.43%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $1,890,000 $472,500 $10,296 2.71%
Great Bend, KS (FHA|USDA|VA) 16 $1,850,000 $115,625 $3,313 2.95%
FRESNO, CA (FHA|USDA|VA) 6 $1,840,000 $306,667 $4,341 3.58%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $1,825,000 $365,000 $5,314 3.15%
STOCKTON, CA (FHA|USDA|VA) 5 $1,785,000 $357,000 $8,592 3.65%
Jackson, WY-ID (FHA|USDA|VA) 4 $1,740,000 $435,000 $14,947 3.03%
LOUISVILLE, KY (FHA|USDA|VA) 6 $1,740,000 $290,000 $5,151 3.04%
RENO, NV (FHA|USDA|VA) 6 $1,730,000 $288,333 $4,727 3.08%
SALINAS, CA (FHA|USDA|VA) 3 $1,665,000 $555,000 $8,121 3.24%
SAGINAW, MI (FHA|USDA|VA) 9 $1,665,000 $185,000 $3,219 3.24%
SHERMAN-DENISON, TX (FHA|USDA|VA) 7 $1,665,000 $237,857 $4,812 3.23%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $1,665,000 $555,000 $6,480 3.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $1,660,000 $830,000 $14,206 2.88%
FAYETTEVILLE, NC (FHA|USDA|VA) 9 $1,655,000 $183,889 $2,890 2.71%
BAKERSFIELD, CA (FHA|USDA|VA) 7 $1,655,000 $236,429 $5,611 2.87%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 5 $1,575,000 $315,000 $9,119 2.50%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 4 $1,540,000 $385,000 $4,392 2.81%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $1,480,000 $370,000 $3,633 2.62%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 6 $1,470,000 $245,000 $3,160 2.94%
JACKSONVILLE, FL (FHA|USDA|VA) 6 $1,470,000 $245,000 $3,963 3.04%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $1,470,000 $367,500 $5,551 2.78%
ST. GEORGE, UT (FHA|USDA|VA) 1 $1,435,000 $1,435,000 $12,050 3.25%
Alamogordo, NM (FHA|USDA|VA) 4 $1,430,000 $357,500 $7,943 2.41%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $1,420,000 $355,000 $5,322 3.25%
SALT LAKE CITY, UT (FHA|USDA|VA) 4 $1,380,000 $345,000 $4,127 3.18%
Steamboat Springs, CO (FHA|USDA|VA) 2 $1,350,000 $675,000 $7,141 2.63%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $1,335,000 $267,000 $5,320 3.20%
TULSA, OK (FHA|USDA|VA) 5 $1,305,000 $261,000 $4,793 3.17%
Glenwood Springs, CO (FHA|USDA|VA) 3 $1,305,000 $435,000 $5,011 2.83%
ANN ARBOR, MI (FHA|USDA|VA) 8 $1,290,000 $161,250 $2,351 2.89%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,255,000 $418,333 $4,294 2.91%
RICHMOND, VA (FHA|USDA|VA) 6 $1,250,000 $208,333 $4,391 3.21%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $1,250,000 $625,000 $9,154 3.24%
PUNTA GORDA, FL (FHA|USDA|VA) 5 $1,235,000 $247,000 $4,380 3.17%
VALLEJO, CA (FHA|USDA|VA) 2 $1,220,000 $610,000 $16,966 2.87%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 4 $1,180,000 $295,000 $4,550 3.22%
PANAMA CITY, FL (FHA|USDA|VA) 4 $1,180,000 $295,000 $4,328 3.09%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 6 $1,170,000 $195,000 $3,327 3.04%
LONGVIEW, TX (FHA|USDA|VA) 3 $1,155,000 $385,000 $5,326 3.16%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $1,145,000 $381,667 $5,973 3.12%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,115,000 $223,000 $3,777 3.45%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 5 $1,095,000 $219,000 $4,632 3.37%
Pullman, WA (FHA|USDA|VA) 5 $1,075,000 $215,000 $4,358 2.97%
Las Vegas, NM (FHA|USDA|VA) 5 $1,045,000 $209,000 $4,237 3.10%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $1,040,000 $260,000 $4,615 2.97%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $980,000 $490,000 $8,135 2.31%
Ukiah, CA (FHA|USDA|VA) 1 $975,000 $975,000 $9,605 3.50%
RAPID CITY, SD (FHA|USDA|VA) 2 $940,000 $470,000 $7,401 2.81%
AKRON, OH (FHA|USDA|VA) 4 $940,000 $235,000 $3,610 3.06%
WILMINGTON, NC (FHA|USDA|VA) 2 $910,000 $455,000 $21,095 3.12%
CHEYENNE, WY (FHA|USDA|VA) 3 $885,000 $295,000 $3,908 2.95%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $880,000 $440,000 $3,345 3.38%
KNOXVILLE, TN (FHA|USDA|VA) 3 $845,000 $281,667 $4,076 2.50%
Hailey, ID (FHA|USDA|VA) 1 $835,000 $835,000 $5,833 2.99%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $820,000 $410,000 $3,879 2.69%
PROVO-OREM, UT (FHA|USDA|VA) 2 $810,000 $405,000 $6,560 2.99%
Port Angeles, WA (FHA|USDA|VA) 2 $810,000 $405,000 $15,674 2.93%
MEDFORD, OR (FHA|USDA|VA) 3 $805,000 $268,333 $4,120 3.21%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $785,000 $261,667 $2,681 3.08%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 5 $775,000 $155,000 $3,443 3.19%
MISSOULA, MT (FHA|USDA|VA) 1 $755,000 $755,000 $4,022 2.49%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $750,000 $375,000 $11,509 2.94%
MODESTO, CA (FHA|USDA|VA) 3 $745,000 $248,333 $4,133 3.25%
Oak Harbor, WA (FHA|USDA|VA) 2 $740,000 $370,000 $9,059 3.06%
AMARILLO, TX (FHA|USDA|VA) 2 $720,000 $360,000 $5,669 2.93%
TYLER, TX (FHA|USDA|VA) 2 $720,000 $360,000 $6,655 2.81%
Mount Pleasant, TX (FHA|USDA|VA) 1 $705,000 $705,000 $8,978 3.25%
Durango, CO (FHA|USDA|VA) 2 $680,000 $340,000 $10,908 2.68%
Liberal, KS (FHA|USDA|VA) 5 $675,000 $135,000 $3,480 2.85%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $675,000 $225,000 $4,619 3.21%
Traverse City, MI (FHA|USDA|VA) 4 $670,000 $167,500 $2,905 3.00%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $665,000 $221,667 $4,842 3.00%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $655,000 $655,000 $15,970 3.13%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $645,000 $215,000 $3,605 2.74%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $610,000 $305,000 $8,441 2.74%
BILLINGS, MT (FHA|USDA|VA) 3 $605,000 $201,667 $3,621 2.83%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $605,000 $201,667 $4,623 3.41%
THE VILLAGES, FL (FHA|USDA|VA) 2 $600,000 $300,000 $6,934 2.75%
COLUMBIA, MO (FHA|USDA|VA) 2 $600,000 $300,000 $5,581 3.24%
JACKSON, MS (FHA|USDA|VA) 1 $595,000 $595,000 $3,245 3.99%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $585,000 $585,000 $16,000 2.38%
Newport, OR (FHA|USDA|VA) 2 $580,000 $290,000 $5,512 2.87%
Jacksonville, TX (FHA|USDA|VA) 2 $580,000 $290,000 $7,122 2.81%
BRUNSWICK, GA (FHA|USDA|VA) 1 $575,000 $575,000 $3,316 3.00%
Key West, FL (FHA|USDA|VA) 1 $575,000 $575,000 $7,121 3.13%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $570,000 $285,000 $3,890 2.63%
Coos Bay, OR (FHA|USDA|VA) 2 $560,000 $280,000 $8,305 3.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $560,000 $280,000 $7,130 2.68%
Holland, MI (FHA|USDA|VA) 1 $545,000 $545,000 $4,062 2.25%
Hobbs, NM (FHA|USDA|VA) 3 $545,000 $181,667 $7,862 3.04%
NEW BERN, NC (FHA|USDA|VA) 1 $545,000 $545,000 $7,607 4.13%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $545,000 $545,000 $6,021 2.99%
Taos, NM (FHA|USDA|VA) 2 $540,000 $270,000 $7,689 3.00%
Kapaa, HI (FHA|USDA|VA) 1 $535,000 $535,000 $6,792 2.88%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $525,000 $525,000 $3,024 2.62%
COLUMBUS, OH (FHA|USDA|VA) 2 $520,000 $260,000 $6,191 3.68%
MADERA, CA (FHA|USDA|VA) 1 $515,000 $515,000 $5,733 3.25%
ALBANY-LEBANON, OR (FHA|USDA|VA) 2 $510,000 $255,000 $4,034 2.88%
Astoria, OR (FHA|USDA|VA) 1 $505,000 $505,000 $6,557 3.38%
YUMA, AZ (FHA|USDA|VA) 1 $505,000 $505,000 $0 3.49%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $500,000 $250,000 $2,891 3.12%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $495,000 $495,000 $15,886 3.13%
DULUTH, MN-WI (FHA|USDA|VA) 1 $485,000 $485,000 $9,793 2.25%
Warrensburg, MO (FHA|USDA|VA) 2 $480,000 $240,000 $5,169 2.93%
CHICO, CA (FHA|USDA|VA) 1 $465,000 $465,000 $4,928 3.49%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 3 $465,000 $155,000 $5,244 3.74%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $455,000 $151,667 $3,616 3.45%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $455,000 $455,000 $4,748 2.99%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $455,000 $455,000 $3,406 2.25%
Gainesville, TX (FHA|USDA|VA) 2 $450,000 $225,000 $6,092 3.06%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $445,000 $148,333 $8,186 3.16%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $440,000 $220,000 $5,086 3.24%
COLUMBIA, SC (FHA|USDA|VA) 2 $440,000 $220,000 $4,123 3.56%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $435,000 $435,000 $5,422 2.88%
Ottawa, KS (FHA|USDA|VA) 3 $435,000 $145,000 $3,163 3.25%
PITTSBURGH, PA (FHA|USDA|VA) 1 $435,000 $435,000 $4,432 2.99%
Hutchinson, KS (FHA|USDA|VA) 3 $425,000 $141,667 $4,259 3.00%
Lufkin, TX (FHA|USDA|VA) 2 $420,000 $210,000 $8,466 3.24%
LEWISTON, ID-WA (FHA|USDA|VA) 2 $420,000 $210,000 $4,087 3.19%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $415,000 $415,000 $9,696 2.38%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $410,000 $205,000 $3,329 3.25%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $410,000 $205,000 $7,158 3.43%
WENATCHEE, WA (FHA|USDA|VA) 1 $405,000 $405,000 $3,819 3.25%
Paducah, KY-IL (FHA|USDA|VA) 1 $405,000 $405,000 $7,096 2.49%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $405,000 $405,000 $4,252 3.50%
GAINESVILLE, FL (FHA|USDA|VA) 1 $395,000 $395,000 $4,920 2.99%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $395,000 $395,000 $4,315 2.88%
LYNCHBURG, VA (FHA|USDA|VA) 1 $385,000 $385,000 $0 2.38%
Bonham, TX (FHA|USDA|VA) 2 $380,000 $190,000 $4,972 3.37%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $370,000 $185,000 $8,048 3.43%
TOPEKA, KS (FHA|USDA|VA) 2 $370,000 $185,000 $2,987 3.50%
FARMINGTON, NM (FHA|USDA|VA) 2 $370,000 $185,000 $8,337 3.18%
Weatherford, OK (FHA|USDA|VA) 1 $365,000 $365,000 $3,756 3.25%
SAN ANGELO, TX (FHA|USDA|VA) 2 $360,000 $180,000 $4,393 2.94%
Portsmouth, OH (FHA|USDA|VA) 1 $355,000 $355,000 $5,445 2.88%
MONTGOMERY, AL (FHA|USDA|VA) 1 $355,000 $355,000 $3,072 2.49%
ROME, GA (FHA|USDA|VA) 1 $355,000 $355,000 $2,960 2.63%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $355,000 $355,000 $3,242 2.75%
Fort Morgan, CO (FHA|USDA|VA) 1 $355,000 $355,000 $3,845 3.38%
RACINE, WI (FHA|USDA|VA) 2 $340,000 $170,000 $4,875 2.81%
MADISON, WI (FHA|USDA|VA) 1 $335,000 $335,000 $9,716 2.38%
Big Spring, TX (FHA|USDA|VA) 1 $335,000 $335,000 $13,396 2.99%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $335,000 $335,000 $14,061 2.38%
Deming, NM (FHA|USDA|VA) 2 $330,000 $165,000 $4,505 2.74%
Jefferson, GA (FHA|USDA|VA) 1 $325,000 $325,000 $1,983 2.49%
New Ulm, MN (FHA|USDA|VA) 1 $325,000 $325,000 $9,088 2.99%
Aberdeen, WA (FHA|USDA|VA) 1 $325,000 $325,000 $691 2.88%
Moscow, ID (FHA|USDA|VA) 1 $325,000 $325,000 $5,034 3.13%
Maysville, KY (FHA|USDA|VA) 1 $325,000 $325,000 $4,039 2.99%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $320,000 $160,000 $4,176 2.75%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $315,000 $315,000 $4,743 3.13%
Ruidoso, NM (FHA|USDA|VA) 1 $315,000 $315,000 $11,011 4.13%
MUSKEGON, MI (FHA|USDA|VA) 2 $310,000 $155,000 $2,262 3.06%
Centralia, WA (FHA|USDA|VA) 1 $305,000 $305,000 $3,720 2.75%
Freeport, IL (FHA|USDA|VA) 1 $305,000 $305,000 $4,569 3.25%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $305,000 $305,000 $8,492 2.99%
BELLINGHAM, WA (FHA|USDA|VA) 1 $305,000 $305,000 $3,419 2.88%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $305,000 $305,000 $10,945 2.88%
BAY CITY, MI (FHA|USDA|VA) 2 $300,000 $150,000 $2,779 2.68%
BEND, OR (FHA|USDA|VA) 1 $295,000 $295,000 $4,840 2.88%
MIDLAND, MI (FHA|USDA|VA) 1 $295,000 $295,000 $3,142 3.25%
Moses Lake, WA (FHA|USDA|VA) 1 $295,000 $295,000 $8,251 2.88%
Sonora, CA (FHA|USDA|VA) 1 $285,000 $285,000 $3,845 3.25%
Gillette, WY (FHA|USDA|VA) 1 $285,000 $285,000 $3,587 2.75%
Kalispell, MT (FHA|USDA|VA) 1 $285,000 $285,000 $2,446 2.99%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $280,000 $140,000 $2,295 2.56%
MONROE, MI (FHA|USDA|VA) 1 $275,000 $275,000 $3,086 2.38%
Fredericksburg, TX (FHA|USDA|VA) 1 $275,000 $275,000 $4,644 2.63%
TOLEDO, OH (FHA|USDA|VA) 2 $270,000 $135,000 $6,624 3.56%
Morehead City, NC (FHA|USDA|VA) 1 $265,000 $265,000 $2,180 2.25%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $265,000 $265,000 $3,735 2.88%
ABILENE, TX (FHA|USDA|VA) 2 $260,000 $130,000 $3,414 2.94%
EL CENTRO, CA (FHA|USDA|VA) 1 $255,000 $255,000 $7,036 4.88%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $255,000 $255,000 $5,685 3.38%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $255,000 $255,000 $6,591 2.88%
Brookings, OR (FHA|USDA|VA) 1 $245,000 $245,000 $11,131 4.38%
SALEM, OR (FHA|USDA|VA) 1 $245,000 $245,000 $7,461 3.13%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $245,000 $245,000 $8,653 4.00%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $235,000 $235,000 $2,836 2.63%
Marshalltown, IA (FHA|USDA|VA) 1 $235,000 $235,000 $5,874 2.88%
REDDING, CA (FHA|USDA|VA) 1 $235,000 $235,000 $4,653 3.49%
Carroll, IA (FHA|USDA|VA) 1 $235,000 $235,000 $1,460 2.75%
Lewistown, PA (FHA|USDA|VA) 1 $235,000 $235,000 $3,108 2.99%
Alpena, MI (FHA|USDA|VA) 2 $230,000 $115,000 $2,923 3.12%
LAFAYETTE, LA (FHA|USDA|VA) 1 $225,000 $225,000 $0 2.25%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $225,000 $225,000 $5,932 3.25%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $225,000 $225,000 $5,292 2.49%
ASHEVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $3,865 2.49%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $5,338 2.88%
Corsicana, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,274 2.49%
WICHITA FALLS, TX (FHA|USDA|VA) 2 $220,000 $110,000 $5,145 3.43%
Starkville, MS (FHA|USDA|VA) 1 $215,000 $215,000 $4,777 2.99%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $215,000 $215,000 $6,599 3.99%
READING, PA (FHA|USDA|VA) 1 $215,000 $215,000 $4,019 2.49%
LINCOLN, NE (FHA|USDA|VA) 1 $215,000 $215,000 $2,064 2.25%
Mountain Home, ID (FHA|USDA|VA) 1 $215,000 $215,000 $3,385 2.75%
JACKSON, MI (FHA|USDA|VA) 1 $215,000 $215,000 $3,311 2.88%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $205,000 $205,000 $7,755 2.99%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $205,000 $205,000 $3,039 3.25%
Fort Polk South, LA (FHA|USDA|VA) 1 $205,000 $205,000 $2,233 2.99%
CARSON CITY, NV (FHA|USDA|VA) 1 $205,000 $205,000 $2,626 3.25%
CASPER, WY (FHA|USDA|VA) 1 $205,000 $205,000 $2,908 2.75%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $205,000 $205,000 $2,000 3.13%
Kerrville, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,753 2.75%
LANCASTER, PA (FHA|USDA|VA) 1 $205,000 $205,000 $3,093 2.99%
Brenham, TX (FHA|USDA|VA) 1 $205,000 $205,000 $7,981 2.99%
SAVANNAH, GA (FHA|USDA|VA) 1 $195,000 $195,000 $4,957 3.38%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $195,000 $195,000 $2,388 2.99%
Willmar, MN (FHA|USDA|VA) 1 $195,000 $195,000 $3,350 2.49%
LUBBOCK, TX (FHA|USDA|VA) 1 $185,000 $185,000 $6,351 3.63%
Adrian, MI (FHA|USDA|VA) 1 $175,000 $175,000 $2,329 3.49%
Huntsville, TX (FHA|USDA|VA) 1 $175,000 $175,000 $3,986 3.25%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $175,000 $175,000 $7,978 4.99%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $175,000 $175,000 $3,059 2.99%
TWIN FALLS, ID (FHA|USDA|VA) 1 $175,000 $175,000 $4,322 3.63%
APPLETON, WI (FHA|USDA|VA) 1 $175,000 $175,000 $3,135 3.63%
Clearlake, CA (FHA|USDA|VA) 1 $175,000 $175,000 $6,297 3.75%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $175,000 $175,000 $4,919 4.49%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $175,000 $175,000 $3,988 2.88%
Snyder, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,682 3.99%
Ruston, LA (FHA|USDA|VA) 1 $155,000 $155,000 $3,874 3.13%
Silver City, NM (FHA|USDA|VA) 1 $155,000 $155,000 $4,197 3.99%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $155,000 $155,000 $4,094 2.99%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $155,000 $155,000 $1,127 2.99%
NILES, MI (FHA|USDA|VA) 1 $155,000 $155,000 $3,592 3.63%
Mount Vernon, IL (FHA|USDA|VA) 1 $145,000 $145,000 $4,668 2.99%
Marquette, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,999 3.13%
Othello, WA (FHA|USDA|VA) 1 $145,000 $145,000 $7,979 3.25%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,985 3.99%
WACO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,866 3.25%
Winfield, KS (FHA|USDA|VA) 1 $115,000 $115,000 $3,158 2.63%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $115,000 $115,000 $3,335 3.63%
Clovis, NM (FHA|USDA|VA) 1 $115,000 $115,000 $3,259 3.99%
Cadillac, MI (FHA|USDA|VA) 1 $115,000 $115,000 $2,182 2.63%
Mineral Wells, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,120 2.75%
Ponca City, OK (FHA|USDA|VA) 1 $105,000 $105,000 $3,363 2.99%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $105,000 $105,000 $2,801 3.49%
Bozeman, MT (FHA|USDA|VA) 1 $105,000 $105,000 $5,992 2.99%
HAMMOND, LA (FHA|USDA|VA) 1 $95,000 $95,000 $4,810 2.99%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $95,000 $95,000 $1,271 3.38%
Kearney, NE (FHA|USDA|VA) 1 $85,000 $85,000 $3,622 3.38%
Red Bluff, CA (FHA|USDA|VA) 1 $85,000 $85,000 $4,163 2.99%
JOPLIN, MO (FHA|USDA|VA) 1 $85,000 $85,000 $3,052 3.49%
Quincy, IL-MO (FHA|USDA|VA) 1 $85,000 $85,000 $1,646 2.99%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $85,000 $85,000 $3,295 3.99%
Altus, OK (FHA|USDA|VA) 1 $55,000 $55,000 $2,598 4.25%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $55,000 $55,000 $1,625 3.13%
Guymon, OK (FHA|USDA|VA) 1 $45,000 $45,000 $4,717 2.49%
Sunflower Bank's top markets include Phoenix, Dallas, Spokane, Denver, and Kansas City among others.

Their top states include:
  • Arizona (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Colorado (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 6,381 $2,020,865,000 $316,700 $4,350 3.08%
    VA 496 $198,210,000 $399,617 $7,766 2.73%
    FHA 410 $106,450,000 $259,634 $9,056 3.22%
    USDA 33 $5,255,000 $159,242 $4,943 3.02%
    HELOC 1 $15,000 $15,000 n/a 5.20%

    For 2021, Sunflower Bank's most frequently originated type of loan was Conventional, with 6,381 originations. Their 2nd most popular type was VA, with 496 originations.

    Loan Reason

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

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

    Loan Duration/Length

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

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

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 4,782 $1,405,640,000 $293,944
    $2k-3k 964 $293,060,000 $304,004
    $<1k 551 $185,945,000 $337,468
    $3k-4k 405 $144,495,000 $356,778
    $5k+ 362 $175,740,000 $485,470
    $4k-5k 234 $89,770,000 $383,632

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

    Interest Rates

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

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

    Loan Sizing

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

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

    Applicant Income

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

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

    Applicant Debt to Income Ratio

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

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

    Ethnicity Mix

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

    Approval Rates

    Total approvals of all applications
    94.55%

    Sunflower Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    67.72%

    Sunflower Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 7,321 $2,330,795,000 $318,371

    Occupancy Type Mix

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

    LTV Distribution

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

    Bank Details

    Branches

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

    For 2021, Sunflower Bank had 53 branches.

    Yearly Performance Overview

    Bank Income

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

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

    Bank Expenses

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

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

    Loan Performance

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

    Deposits

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

    Assets

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

    Liabilities

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

    Issued Loan Types

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

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

    Small Business Loans

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