What loan types does Sunflower Bank offer?

Sunflower Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Sunflower Bank offer mortgages?

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

How competitive are Sunflower Bank's mortgage rates?

Sunflower Bank has an overall pricing score of 34.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Sunflower Bank?

Sunflower Bank is a Bank headquartered in Dallas, TX.

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Sunflower Bank

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We analyzed every closed loan from Sunflower Bank — 2.6k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

National · 27 mkts

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

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 performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+20.5 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 28 markets

Sound

Top 60% of lenders

Loan Product Performance

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%Above	$2,875Fees
FHA Loans	Strong	Exceptional	Acceptable	Strong	518	20.0%	+0.445%Above	$3,834Fees
VA Loans	Sound	Strong	Acceptable	Strong	257	9.9%	-0.283%Below	$3,987Fees
Jumbo Loans	Sound	Strong	Acceptable	Sound	85	3.3%	+0.145%Above	$1,867Fees
USDA Loans	Sound	Sound	—	—	10	0.4%	+0.496%Above	$2,394Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume1,716

Mix66.4%

Spread

+0.204%Above

Fees

$2,875Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume518

Mix20.0%

Spread

+0.445%Above

Fees

$3,834Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume257

Mix9.9%

Spread

-0.283%Below

Fees

$3,987Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume85

Mix3.3%

Spread

+0.145%Above

Fees

$1,867Fees

USDA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume10

Mix0.4%

Spread

+0.496%Above

Fees

$2,394Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	2,261	87.4%	+0.214%Above	$3,164Fees
Refinance	Sound	Strong	Sound	Sound	325	12.6%	+0.151%Above	$2,675Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume2,261

Mix87.4%

Spread

+0.214%Above

Fees

$3,164Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume325

Mix12.6%

Spread

+0.151%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast4

CTMANJPA

Midwest11

IAILINKSMIMNMONEOHSDWI

South14

ALARFLGAKYLAMDMSNCOKSCTNTXVA

West11

AZCACOIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Ethan from Scottsdale · CC BY 2.0

Spokane, WAMetro

Volume 369Mix 14.27% of portfolio

100/100

Exceptional

2© Infrogmation of New Orleans · CC BY 2.0

Santa Fe, NMMetro

Volume 47Mix 1.82% of portfolio

82/100

Exceptional

3© Quintin Soloviev · CC BY 4.0

Denver, COMetro

Volume 308Mix 11.91% of portfolio

77/100

Strong

4© Leonardo Pires · CC BY 2.0

Boise City, IDMetro

Volume 162Mix 6.26% of portfolio

73/100

Strong

El Paso, TXMetro

Volume 90Mix 3.48% of portfolio

70/100

Strong

Grants Pass, ORMetro

Volume 35Mix 1.35% of portfolio

70/100

Strong

Dallas, TXMetro

Volume 167Mix 6.46% of portfolio

69/100

Strong

Phoenix, AZMetro

Volume 191Mix 7.39% of portfolio

68/100

Strong

Albuquerque, NMMetro

Volume 82Mix 3.17% of portfolio

67/100

Strong

Portland, OR-WAMetro

Volume 84Mix 3.25% of portfolio

63/100

Strong

Showing 10 of 27 metro areas

Top States by Place Specialization Score

WashingtonState

Volume 507Mix 19.61% of portfolio

82/100

Exceptional

KansasState

Volume 169Mix 6.54% of portfolio

75/100

Strong

ColoradoState

Volume 357Mix 13.81% of portfolio

74/100

Strong

New MexicoState

Volume 169Mix 6.54% of portfolio

74/100

Strong

TexasState

Volume 529Mix 20.46% of portfolio

73/100

Strong

IdahoState

Volume 211Mix 8.16% of portfolio

71/100

Strong

OregonState

Volume 156Mix 6.03% of portfolio

69/100

Strong

ArizonaState

Volume 222Mix 8.58% of portfolio

69/100

Strong

MichiganState

Volume 68Mix 2.63% of portfolio

54/100

Sound

CaliforniaState

Volume 28Mix 1.08% of portfolio

42/100

Sound

Showing 10 of 15 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.