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
Promptness
Not enough data
—/5
No quote responses measured yet
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
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,716 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
FHA
518 loans · 0.45% above market
Exceptional
Top 20% of lenders
5/5
VA
257 loans · 0.28% below market
Strong
Top 40% of lenders
4/5
Jumbo
85 loans · 0.14% above market
Strong
Top 40% of lenders
4/5
USDA
10 loans · 0.50% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
2,261 loans · 0.21% above market
Exceptional
Top 20% of lenders
5/5
Refinance
325 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 28 markets
Sound
Top 60% of lenders
3/5
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 |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,716
Mix66.4%
Spread
+0.204%Above
Fees
$2,875Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume518
Mix20.0%
Spread
+0.445%Above
Fees
$3,834Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume257
Mix9.9%
Spread
-0.283%Below
Fees
$3,987Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume85
Mix3.3%
Spread
+0.145%Above
Fees
$1,867Fees
USDA Loans
OverallSound
ProductSound
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 | 2,261 | 87.4% | +0.214%Above | $3,164Fees | ||||
Refinance | 325 | 12.6% | +0.151%Above | $2,675Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume2,261
Mix87.4%
Spread
+0.214%Above
Fees
$3,164Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
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
27
markets with activity
States Served
40
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
40Full-year 2024 · HMDALoans originated
< 2020–200200+None
Northeast4
CTMANJPA
Midwest11
IAILINKSMIMNMONEOHSDWI
South14
ALARFLGAKYLAMDMSNCOKSCTNTXVA
West11
AZCACOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 27 metro areas
Top States by Place Specialization Score
Showing 10 of 15 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.