Sunflower Bank, N.A. Mortgage Lending & HMDA Data, 2010

In 2010, Sunflower Bank, N.A. of Dallas, TX reported 1,809 mortgage applications totaling $200.0 million, down 10% from 2009. The average application was for $110,530, and applicants reported an average income of $90,682. 65% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Manhattan, KS (152), Pueblo, CO (135) and Wichita, KS (114) (applications in parentheses).

Mortgage Company & Address Sunflower Bank, N.A.
3025 Cortland Circle - Po Box 800
Dallas, TX 75225
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 1,809
Total Mortgage Loan Application Amount $199,950,000
Average Mortgage Loan Application Amount $110,530
Highest Mortgage Loan Application Amount $1,720,000
Average Applicant Income $90,682
Highest Applicant Income $1,201,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Sunflower Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Sunflower Bank, N.A. by County in 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Saline, Kansas 417 $ 41,102,000 $ 98,565 $ 97,000
Ellis, Kansas 165 $ 18,033,000 $ 109,290 $ 82,000
Pueblo, Colorado 135 $ 16,326,000 $ 120,933 $ 87,000
McPherson, Kansas 116 $ 12,602,000 $ 108,637 $ 72,000
Sedgwick, Kansas 96 $ 14,039,000 $ 146,239 $ 108,000
Barton, Kansas 84 $ 5,526,000 $ 65,785 $ 65,000
Riley, Kansas 82 $ 11,015,000 $ 134,329 $ 91,000
Fremont, Colorado 64 $ 8,273,000 $ 129,265 $ 92,000
Ford, Kansas 64 $ 4,659,000 $ 72,796 $ 58,000
Russell, Kansas 61 $ 4,145,000 $ 67,950 $ 69,000
Geary, Kansas 50 $ 6,346,000 $ 126,920 $ 73,000
Shawnee, Kansas 33 $ 5,850,000 $ 177,272 $ 135,000
Dickinson, Kansas 31 $ 2,617,000 $ 84,419 $ 78,000
Seward, Kansas 29 $ 662,000 $ 22,827 $ 60,000
Douglas, Kansas 28 $ 6,282,000 $ 224,357 $ 113,000
Thomas, Kansas 27 $ 2,137,000 $ 79,148 $ 76,000
Ottawa, Kansas 24 $ 1,796,000 $ 74,833 $ 71,000
Johnson, Kansas 20 $ 3,026,000 $ 151,300 $ 161,000
Pottawatomie, Kansas 20 $ 2,921,000 $ 146,050 $ 116,000
Rio Grande, Colorado 11 $ 1,017,000 $ 92,454 $ 79,000
Butler, Kansas 11 $ 1,713,000 $ 155,727 $ 89,000
Osborne, Kansas 11 $ 291,000 $ 26,454 $ 55,000
Custer, Colorado 10 $ 1,936,000 $ 193,600 $ 182,000
Clay, Kansas 10 $ 1,206,000 $ 120,600 $ 92,000
Ellsworth, Kansas 10 $ 684,000 $ 68,400 $ 115,000
Finney, Kansas 10 $ 651,000 $ 65,100 $ 63,000
El Paso, Colorado 8 $ 2,026,000 $ 253,250 $ 250,000
Reno, Kansas 8 $ 1,282,000 $ 160,250 $ 83,000
Rice, Kansas 7 $ 869,000 $ 124,142 $ 81,000
Rooks, Kansas 7 $ 475,000 $ 67,857 $ 77,000
Rush, Kansas 7 $ 395,000 $ 56,428 $ 73,000
Jackson, Missouri 7 $ 880,000 $ 125,714 $ 215,000
Jefferson, Colorado 6 $ 560,000 $ 93,333 $ 105,000
Denver, Colorado 4 $ 386,000 $ 96,500 $ 113,000
Edwards, Kansas 4 $ 243,000 $ 60,750 $ 46,000
Lincoln, Kansas 4 $ 651,000 $ 162,750 $ 86,000
Marion, Kansas 4 $ 534,000 $ 133,500 $ 47,000
Mitchell, Kansas 4 $ 210,000 $ 52,500 $ 60,000
Sumner, Kansas 4 $ 678,000 $ 169,500 $ 86,000
Park, Colorado 3 $ 803,000 $ 267,666 $ 141,000
Teller, Colorado 3 $ 550,000 $ 183,333 $ 102,000
Gray, Kansas 3 $ 379,000 $ 126,333 $ 100,000
Harper, Kansas 3 $ 628,000 $ 209,333 $ 101,000
Harvey, Kansas 3 $ 211,000 $ 70,333 $ 64,000
Hodgeman, Kansas 3 $ 240,000 $ 80,000 $ 85,000
Trego, Kansas 3 $ 264,000 $ 88,000 $ 54,000
Arapahoe, Colorado 2 $ 321,000 $ 160,500 $ 95,000
Chaffee, Colorado 2 $ 391,000 $ 195,500 $ 45,000
Elbert, Colorado 2 $ 362,000 $ 181,000 $ 79,000
Otero, Colorado 2 $ 309,000 $ 154,500 $ 42,000
Saguache, Colorado 2 $ 260,000 $ 130,000 $ 61,000
Decatur, Kansas 2 $ 104,000 $ 52,000 $ 50,000
Gove, Kansas 2 $ 112,000 $ 56,000 $ 24,000
Jefferson, Kansas 2 $ 235,000 $ 117,500 $ 143,000
Kearny, Kansas 2 $ 64,000 $ 32,000 $ 50,000
Morris, Kansas 2 $ 145,000 $ 72,500 $ 125,000
Stanton, Kansas 2 $ 61,000 $ 30,500 $ 44,000
Beaver, Oklahoma 2 $ 26,000 $ 13,000 $ 78,000
Boulder, Colorado 1 $ 19,000 $ 19,000 $ 76,000
Douglas, Colorado 1 $ 45,000 $ 45,000 $ 149,000
Grand, Colorado 1 $ 75,000 $ 75,000 $ 120,000
Mineral, Colorado 1 $ 248,000 $ 248,000 $ 161,000
Summit, Colorado 1 $ 163,000 $ 163,000 $ 1,201,000
Collier, Florida 1 $ 150,000 $ 150,000 $ 141,000
Allen, Kansas 1 $ 5,000 $ 5,000 $ 39,000
Coffey, Kansas 1 $ 139,000 $ 139,000 $ 209,000
Cowley, Kansas 1 $ 92,000 $ 92,000 $ 56,000
Crawford, Kansas 1 $ 134,000 $ 134,000 $ 229,000
Jackson, Kansas 1 $ 125,000 $ 125,000 $ 91,000
Jewell, Kansas 1 $ 30,000 $ 30,000 $ 47,000
Kingman, Kansas 1 $ 77,000 $ 77,000 $ 75,000
Leavenworth, Kansas 1 $ 630,000 $ 630,000 $ 0
Linn, Kansas 1 $ 100,000 $ 100,000 $ 218,000
Logan, Kansas 1 $ 88,000 $ 88,000 $ 78,000
Marshall, Kansas 1 $ 317,000 $ 317,000 $ 95,000
Meade, Kansas 1 $ 150,000 $ 150,000 $ 75,000
Nemaha, Kansas 1 $ 30,000 $ 30,000 $ 148,000
Ness, Kansas 1 $ 45,000 $ 45,000 $ 31,000
Osage, Kansas 1 $ 197,000 $ 197,000 $ 61,000
Pawnee, Kansas 1 $ 90,000 $ 90,000 $ 87,000
Phillips, Kansas 1 $ 158,000 $ 158,000 $ 104,000
Rawlins, Kansas 1 $ 97,000 $ 97,000 $ 126,000
Sherman, Kansas 1 $ 80,000 $ 80,000 $ 45,000
Stevens, Kansas 1 $ 32,000 $ 32,000 $ 54,000
Wabaunsee, Kansas 1 $ 114,000 $ 114,000 $ 129,000
Barry, Missouri 1 $ 178,000 $ 178,000 $ 505,000
Benton, Missouri 1 $ 48,000 $ 48,000 $ 100,000
Camden, Missouri 1 $ 192,000 $ 192,000 $ 134,000
Cass, Missouri 1 $ 227,000 $ 227,000 $ 105,000
Stone, Missouri 1 $ 178,000 $ 178,000 $ 393,000
Taney, Missouri 1 $ 400,000 $ 400,000 $ 149,000
Bernalillo, New Mexico 1 $ 15,000 $ 15,000 $ 79,000
Santa Fe, New Mexico 1 $ 417,000 $ 417,000 $ 245,000
Oklahoma, Oklahoma 1 $ 5,000 $ 5,000 $ 88,000
Tulsa, Oklahoma 1 $ 55,000 $ 55,000 $ 27,000
Henrico, Virginia 1 $ 271,000 $ 271,000 $ 245,000

Mortgage Loan Application Detail Totals for Sunflower Bank, N.A. in 2010

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 824 $103,243,000 $125,000 $1,720,000 $96,000 $975,000
Home Purchase 614 $82,370,000 $134,000 $1,617,000 $90,000 $1,161,000
Home Improvement 371 $14,337,000 $38,000 $384,000 $80,000 $1,201,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,583 $182,473,000 $115,000 $1,168,000 $95,000 $1,201,000
Hispanic 154 $8,626,000 $56,000 $264,000 $57,000 $350,000
Not Provided 31 $608,000 $19,000 $94,000 $47,000 $148,000
Asian 18 $1,836,000 $102,000 $261,000 $106,000 $360,000
Black or African American 12 $1,318,000 $109,000 $303,000 $90,000 $190,000
Not applicable 9 $4,565,000 $507,000 $1,720,000 $8,000 $73,000
Native Hawaiian or Other Pacific Islander 2 $524,000 $262,000 $384,000 $102,000 $113,000
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,741 $191,859,000 $110,000 $1,720,000 $92,000 $1,201,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 46 $4,775,000 $103,000 $245,000 $46,000 $78,000
VA-guaranteed (Veterans Administration) 22 $3,316,000 $150,000 $270,000 $69,000 $113,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 1,168 $129,923,000 $111,000 $1,168,000 $99,000 $1,201,000
Application Denied By Financial Institution 374 $29,488,000 $78,000 $630,000 $63,000 $375,000
Application Approved But Not Accepted 216 $33,229,000 $153,000 $1,720,000 $91,000 $596,000
Preapproval Approved but not Accepted 28 $4,084,000 $145,000 $263,000 $114,000 $727,000
Application Withdrawn By Applicant 18 $2,285,000 $126,000 $417,000 $95,000 $420,000
Preapproval Denied by Financial Institution 5 $941,000 $188,000 $379,000 $94,000 $197,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 181 $9,291,000 $51,000 $393,000 $54,000 $258,000
Debt-To-Income Ratio 116 $13,667,000 $117,000 $630,000 $58,000 $274,000
Collateral 56 $4,349,000 $77,000 $412,000 $94,000 $375,000
Other 17 $2,115,000 $124,000 $379,000 $103,000 $360,000
Insufficient Cash (Downpayment, Closing Cost) 6 $695,000 $115,000 $288,000 $56,000 $90,000
Employment History 2 $253,000 $126,000 $196,000 $41,000 $50,000
Unverifiable Information 1 $59,000 $59,000 $59,000 $29,000 $29,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Sunflower Bank, N.A.'s 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Sunflower Bank, N.A.'s mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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