# Sunflower Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/sunflower-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Sunflower Bank, National Association is a bank, headquartered in Dallas, TX, serving borrowers nationwide, with 2,586 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 65% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 29% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 2549008TT6UNYR7AXF54
- **Headquarters:** Dallas, TX
- **Geographic Reach:** National
- **States Served:** 40
- **State List:** AL, AR, AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY
- **Markets (MSAs):** 28
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.205%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,094
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,586
- **Dollar Volume:** $1.0 billion
- **Applications Received:** 3,749
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $405,781
- **Average Borrower Income:** $165,376
- **Average Property Value:** $526,891

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 1,716 | +0.204% | $2,875 | Strong 😀 |
| FHA | 80/100 | 518 | +0.445% | $3,834 | Exceptional 🤩 |
| VA | 79/100 | 257 | -0.283% | $3,987 | Strong 😀 |
| Jumbo | 75/100 | 85 | +0.145% | $1,867 | Strong 😀 |
| USDA | 47/100 | 10 | +0.496% | $2,394 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,479 loans, Score: 78/100 (Strong)
- Refinance: 237 loans, Score: 71/100 (Strong)

**FHA:**
- Purchase: 476 loans, Score: 80/100 (Exceptional)
- Refinance: 42 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 219 loans, Score: 79/100 (Strong)
- Refinance: 38 loans, Score: 78/100 (Strong)

**Jumbo:**
- Purchase: 77 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 80/100 | 2,261 | $919M | +0.214% | Exceptional 🤩 |
| Refinance | 72/100 | 325 | $130M | +0.151% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 529 | 0.15% | 73/100 |
| WA | 507 | 0.60% | 82/100 |
| CO | 357 | 0.43% | 74/100 |
| AZ | 222 | 0.22% | 69/100 |
| ID | 211 | 0.79% | 71/100 |
| KS | 169 | 0.56% | 75/100 |
| NM | 169 | 0.82% | 74/100 |
| OR | 156 | 0.37% | 69/100 |
| MI | 68 | 0.06% | 54/100 |
| CA | 28 | 0.01% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Spokane | WA | 369 | 100/100 |
| Denver | CO | 308 | 77/100 |
| Non |  | 276 | 63/100 |
| Phoenix | AZ | 191 | 68/100 |
| Dallas | TX | 167 | 69/100 |
| Boise City, ID | ID | 162 | 73/100 |
| El Paso, TX | TX | 90 | 70/100 |
| Portland | OR-WA | 84 | 63/100 |
| Albuquerque, NM | NM | 82 | 67/100 |
| San Antonio | TX | 78 | 61/100 |
| Austin | TX | 57 | 60/100 |
| Fort Worth | TX | 51 | 58/100 |
| Santa Fe, NM | NM | 47 | 82/100 |
| Houston | TX | 37 | 49/100 |
| Grants Pass, OR | OR | 35 | 70/100 |

## Where This Lender Ranks

Sunflower Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Medford, OR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/medford-or/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Spokane for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Coeur d'Alene, ID for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Boise City, ID for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/boise-city-id/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Santa Fe, NM Banks
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/banks)
- 🏆 **#4** in Santa Fe, NM for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/santa-fe-nm/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Grants Pass, OR for VA Loans
  - [View Full Rankings](https://saferate.com/grants-pass-or/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Medford, OR Banks
  - [View Full Rankings](https://saferate.com/medford-or/best-mortgage-lenders/banks)
- 🏆 **#5** in Spokane Banks
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/banks)
- 🏆 **#5** in Boise City, ID for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/boise-city-id/best-mortgage-lenders/banks/va-loans)
- 🏆 **#5** in El Paso, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Albuquerque, NM for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/albuquerque-nm/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Wichita, KS for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Coeur d'Alene, ID Banks
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/banks)
- 🏆 **#5** in Medford, OR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/medford-or/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Arizona for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/arizona/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Phoenix for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/phoenix/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in New Mexico for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-mexico/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#6** in El Paso, TX Banks
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/banks)
- 🏆 **#6** in El Paso, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/el-paso-tx/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Sunflower Bank, National Association offer?

Sunflower Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Sunflower Bank, National Association offer mortgages?

Sunflower Bank, National Association is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Sunflower Bank, National Association's mortgage rates?

Sunflower Bank, National Association has a pricing score of 35/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.205% above market average.

### What type of lender is Sunflower Bank, National Association?

Sunflower Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Dallas, TX.

### What is Sunflower Bank, National Association's loan approval success rate?

Sunflower Bank, National Association has a pull-through score of 71/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/sunflower-bank-national-association

### How to Cite

> "Sunflower Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sunflower-bank-national-association

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