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We analyzed every closed loan from Sunflower Bank National Association — 2.6k loans across 4k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
National · 27 mkts
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Sunflower Bank, National Association performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +20.5 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders National28 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,716 | 66.4% | +0.204%Above | $2,875Fees | ||||
FHA Loans | 518 | 20.0% | +0.445%Above | $3,834Fees | ||||
VA Loans | 257 | 9.9% | -0.283%Below | $3,987Fees | ||||
Jumbo Loans | 85 | 3.3% | +0.145%Above | $1,867Fees | ||||
USDA Loans | — | — | 10 | 0.4% | +0.496%Above | $2,394Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,261 | 87.4% | +0.214%Above | $3,164Fees | ||||
Refinance | 325 | 12.6% | +0.151%Above | $2,675Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,586
Applications
3,749
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.205%
vs. market APOR
Avg Net Fees
$3,094
Origination − Credits
Pullthrough Rate
69.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$405,781
Avg Borrower Income
$165,376
Avg Property Value
$526,891
Geographic Coverage
Geographic Performance
Metro Areas
27
States Served
40
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOCTFLGAIAIDILINKSKYLAMAMDMIMNMOMSMTNCNENJNMNVOHOKORPASCSDTNTXUTVAWAWIWY
Top Metro Areas by Place Specialization Score
1
Spokane, WAMSA
Volume: 369Mix: 14.27%of portfolio
Place
Exceptional2
Santa Fe, NM, NMMSA
Volume: 47Mix: 1.82%of portfolio
Place
Exceptional3
Denver, COMSA
Volume: 308Mix: 11.91%of portfolio
Place
Strong4
Boise City, ID, IDMSA
Volume: 162Mix: 6.26%of portfolio
Place
Strong5
El Paso, TX, TXMSA
Volume: 90Mix: 3.48%of portfolio
Place
Strong6
Grants Pass, OR, ORMSA
Volume: 35Mix: 1.35%of portfolio
Place
Strong7
Dallas, TXMSA
Volume: 167Mix: 6.46%of portfolio
Place
Strong8
Phoenix, AZMSA
Volume: 191Mix: 7.39%of portfolio
Place
Strong9
Albuquerque, NM, NMMSA
Volume: 82Mix: 3.17%of portfolio
Place
Strong10
Portland, OR-WAMSA
Volume: 84Mix: 3.25%of portfolio
Place
StrongShowing 10 of 27 metro areas
Top States by Place Specialization Score
1
WAState
Volume: 507Mix: 19.61%of portfolio
Place
Exceptional2
KSState
Volume: 169Mix: 6.54%of portfolio
Place
Strong3
COState
Volume: 357Mix: 13.81%of portfolio
Place
Strong4
NMState
Volume: 169Mix: 6.54%of portfolio
Place
Strong5
TXState
Volume: 529Mix: 20.46%of portfolio
Place
Strong6
IDState
Volume: 211Mix: 8.16%of portfolio
Place
Strong7
ORState
Volume: 156Mix: 6.03%of portfolio
Place
Strong8
AZState
Volume: 222Mix: 8.58%of portfolio
Place
Strong9
MIState
Volume: 68Mix: 2.63%of portfolio
Place
Sound10
CAState
Volume: 28Mix: 1.08%of portfolio
Place
SoundShowing 10 of 15 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.