Purchase Originations
2,590
Ranked #179 nationally
Median Total Costs
$7,403
+10.8% vs national ($6,680)
↓ $543 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.010% vs prior year
Median Origination
$2,931
Median Lender Credits
$340
Cost Rank (500+ vol.)
#398
among lenders with 500+ originations
Denial Rate
2.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,803 | 6.625% | $6,192 | $2,696 |
| fha | 514 | 6.375% | $12,618 | $3,675 |
| va | 263 | 5.990% | $10,523 | $3,150 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Washington | 509 | 6.490% | $8,701 | #33 |
| Colorado | 420 | 6.375% | $4,092 | #40 |
| Texas | 350 | 6.490% | $9,487 | #143 |
| New Mexico | 275 | 6.490% | $7,228 | #16 |
| Oregon | 225 | 6.490% | $9,782 | #39 |
| Idaho | 193 | 6.375% | $9,852 | #32 |
| Arizona | 187 | 6.490% | $8,476 | #69 |
| Kansas | 154 | 6.375% | $3,814 | #46 |
| California | 74 | 6.625% | $6,938 | #225 |
| Michigan | 70 | 6.688% | $4,701 | #133 |
| North Carolina | 22 | 6.625% | $6,661 | — |
| Missouri | 18 | 6.490% | $6,825 | — |
| Florida | 8 | 6.625% | $6,997 | — |
| Tennessee | 8 | 6.433% | $7,621 | — |
| Illinois | 7 | 6.875% | $7,643 | — |
| Minnesota | 7 | 6.875% | $7,005 | — |
| Nevada | 6 | 6.808% | $5,726 | — |
| Ohio | 6 | 6.558% | $5,806 | — |
| Nebraska | 5 | 6.625% | $3,754 | — |
| Oklahoma | 5 | 6.625% | $5,595 | — |
| Alabama | 4 | 6.058% | $7,762 | — |
| Georgia | 4 | 6.495% | $7,858 | — |
| Montana | 4 | 6.125% | $12,788 | — |
| New Jersey | 4 | 6.625% | $7,779 | — |
| Arkansas | 3 | 6.625% | $3,590 | — |
| Alaska | 2 | 6.308% | $5,456 | — |
| Iowa | 2 | 6.375% | $7,015 | — |
| Indiana | 2 | 7.058% | $5,901 | — |
| Pennsylvania | 2 | 6.250% | $12,777 | — |
| Utah | 2 | 6.250% | $10,736 | — |
| Virginia | 2 | 4.125% | $3,968 | — |
| Wyoming | 2 | 7.120% | $5,633 | — |
| Connecticut | 1 | 6.490% | $4,133 | — |
| Hawaii | 1 | 5.990% | $7,623 | — |
| Kentucky | 1 | 6.375% | $4,615 | — |
| Louisiana | 1 | 6.625% | $4,723 | — |
| Maryland | 1 | 4.125% | $368 | — |
| Mississippi | 1 | 6.375% | $10,551 | — |
| South Carolina | 1 | 6.625% | $8,792 | — |
| Wisconsin | 1 | 6.625% | $9,184 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,674 | 6.490% | — | 75 | −$3,729 | |
| 2 | $4,196 | 6.490% | — | 91 | −$3,207 | |
| 3 | $4,214 | 6.375% | — | 95 | −$3,189 | |
| 4 | $4,556 | 6.250% | — | 43 | −$2,847 | |
| 5 | $4,913 | 6.125% | — | 36 | −$2,490 | |
| 6 | $5,692 | 6.433% | — | 42 | −$1,711 | |
| 7 | $6,752 | 6.625% | — | 93 | −$651 | |
| 8 | $7,092 | 6.625% | — | 49 | −$311 | |
| 9 | $7,387 | 6.490% | — | 60 | −$16 | |
| 10 | $8,258 | 6.625% | — | 33 | +$855 | |
| 11 | $8,510 | 6.490% | — | 77 | +$1,107 | |
| 12 | $8,571 | 6.625% | — | 41 | +$1,168 | |
| 13 | $8,577 | 6.490% | — | 369 | +$1,174 | |
| 14 | $8,747 | 6.490% | — | 163 | +$1,344 | |
| 15 | $8,845 | 6.625% | — | 33 | +$1,442 | |
| 16 | $9,061 | 6.625% | — | 57 | +$1,658 | |
| 17 | $9,347 | 6.625% | — | 39 | +$1,944 | |
| 18 | $9,673 | 5.990% | — | 92 | +$2,270 | |
| 19 | $10,313 | 6.375% | — | 57 | +$2,910 | |
| 20 | $12,205 | 6.375% | — | 68 | +$4,802 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Sunflower Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $7,403 | $7,127 | +$276 (+3.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.