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Sunflower Bank, National Association
Bank|Dallas, TX|National
Loans Originated
2,586
Applications
3,749
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.205%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,094
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
69.0%
Percentage of applications that result in closed loans
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
Report Card
Sunflower Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 28 metro areas · 40 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$405,781
Average Borrower Income
$165,376
Average Property Value
$526,891
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 1,716 | 66.4% | +0.204% | $2,875 |
FHA Loans | Sound | Exceptional | Acceptable | Strong | 518 | 20.0% | +0.445% | $3,834 |
VA Loans | Sound | Strong | Acceptable | Strong | 257 | 9.9% | -0.283% | $3,987 |
Jumbo Loans | Sound | Strong | Acceptable | Sound | 85 | 3.3% | +0.145% | $1,867 |
USDA Loans | Sound | Sound | N/A | N/A | 10 | 0.4% | +0.496% | $2,394 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 2,261 | 87.4% | +0.214% | $3,164 |
Refinance | Sound | Strong | Sound | Sound | 325 | 12.6% | +0.151% | $2,675 |
Geographic Coverage
Metro Areas
27
States Served
40
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTFLGAIAIDILINKSKYLAMAMDMIMNMOMSMTNCNENJNMNVOHOKORPASCSDTNTXUTVAWAWIWY
Top Metro Areas by Place Specialization Score
1
Spokane, WAMSA
Volume: 369Mix: 14.27%
Place Specialization
Exceptional
2
Santa Fe, NM, NMMSA
Volume: 47Mix: 1.82%
Place Specialization
Exceptional
3
Denver, COMSA
Volume: 308Mix: 11.91%
Place Specialization
Strong
4
Boise City, ID, IDMSA
Volume: 162Mix: 6.26%
Place Specialization
Strong
5
El Paso, TX, TXMSA
Volume: 90Mix: 3.48%
Place Specialization
Strong
6
Grants Pass, OR, ORMSA
Volume: 35Mix: 1.35%
Place Specialization
Strong
7
Dallas, TXMSA
Volume: 167Mix: 6.46%
Place Specialization
Strong
8
Phoenix, AZMSA
Volume: 191Mix: 7.39%
Place Specialization
Strong
9
Albuquerque, NM, NMMSA
Volume: 82Mix: 3.17%
Place Specialization
Strong
10
Portland, OR-WAMSA
Volume: 84Mix: 3.25%
Place Specialization
Strong
Showing 10 of 27 metro areas
Top States by Place Specialization Score
1
WAState
Volume: 507Mix: 19.61%
Place Specialization
Exceptional
2
KSState
Volume: 169Mix: 6.54%
Place Specialization
Strong
3
COState
Volume: 357Mix: 13.81%
Place Specialization
Strong
4
NMState
Volume: 169Mix: 6.54%
Place Specialization
Strong
5
TXState
Volume: 529Mix: 20.46%
Place Specialization
Strong
6
IDState
Volume: 211Mix: 8.16%
Place Specialization
Strong
7
ORState
Volume: 156Mix: 6.03%
Place Specialization
Strong
8
AZState
Volume: 222Mix: 8.58%
Place Specialization
Strong
9
MIState
Volume: 68Mix: 2.63%
Place Specialization
Sound
10
CAState
Volume: 28Mix: 1.08%
Place Specialization
Sound
Showing 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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