Sunflower Bank, N.A. Mortgage Lending & HMDA Data, 2014

In 2014, Sunflower Bank, N.A. of Dallas, TX reported 1,022 mortgage applications totaling $172.0 million, down 44% from 2013. The average application was for $168,342, and applicants reported an average income of $88,222. 55% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Pueblo, CO (76), Denver-Aurora-Lakewood, CO (63) and Manhattan, KS (59) (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 1,022
Total Mortgage Loan Application Amount $172,046,000
Average Mortgage Loan Application Amount $168,342
Highest Mortgage Loan Application Amount $8,700,000
Average Applicant Income $88,222
Highest Applicant Income $1,728,000

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Act (HMDA) records Sunflower Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Saline, Kansas 102 $ 13,252,000 $ 129,921 $ 97,000
Pueblo, Colorado 76 $ 11,867,000 $ 156,144 $ 92,000
McPherson, Kansas 62 $ 5,349,000 $ 86,274 $ 66,000
Ellis, Kansas 44 $ 5,728,000 $ 130,181 $ 89,000
Riley, Kansas 43 $ 6,466,000 $ 150,372 $ 90,000
Sedgwick, Kansas 41 $ 6,116,000 $ 149,170 $ 103,000
Barton, Kansas 33 $ 2,359,000 $ 71,484 $ 64,000
Fremont, Colorado 31 $ 3,651,000 $ 117,774 $ 66,000
Douglas, Kansas 28 $ 7,609,000 $ 271,750 $ 137,000
Thomas, Kansas 28 $ 2,679,000 $ 95,678 $ 83,000
Ford, Kansas 25 $ 1,410,000 $ 56,400 $ 51,000
Denver, Colorado 24 $ 8,670,000 $ 361,250 $ 353,000
Shawnee, Kansas 22 $ 2,456,000 $ 111,636 $ 116,000
Geary, Kansas 20 $ 1,518,000 $ 75,900 $ 74,000
Arapahoe, Colorado 17 $ 7,358,000 $ 432,823 $ 219,000
Pottawatomie, Kansas 16 $ 2,684,000 $ 167,750 $ 87,000
Seward, Kansas 14 $ 879,000 $ 62,785 $ 59,000
Jefferson, Colorado 12 $ 3,448,000 $ 287,333 $ 110,000
Russell, Kansas 12 $ 1,140,000 $ 95,000 $ 72,000
Los Angeles, California 11 $ 3,222,000 $ 292,909 $ 0
Johnson, Kansas 11 $ 3,732,000 $ 339,272 $ 142,000
Osborne, Kansas 10 $ 955,000 $ 95,500 $ 96,000
Ottawa, Kansas 9 $ 884,000 $ 98,222 $ 62,000
Dickinson, Kansas 7 $ 490,000 $ 70,000 $ 90,000
Maricopa, Arizona 6 $ 847,000 $ 141,166 $ 30,000
San Diego, California 6 $ 2,440,000 $ 406,666 $ 72,000
Custer, Colorado 6 $ 1,126,000 $ 187,666 $ 88,000
Cobb, Georgia 6 $ 913,000 $ 152,166 $ 0
Ellsworth, Kansas 6 $ 621,000 $ 103,500 $ 80,000
Rooks, Kansas 6 $ 181,000 $ 30,166 $ 55,000
Boulder, Colorado 5 $ 2,547,000 $ 509,400 $ 138,000
Middlesex, Massachusetts 5 $ 1,194,000 $ 238,800 $ 0
Douglas, Colorado 4 $ 1,456,000 $ 364,000 $ 138,000
Larimer, Colorado 4 $ 1,231,000 $ 307,750 $ 155,000
Rio Grande, Colorado 4 $ 588,000 $ 147,000 $ 91,000
Weld, Colorado 4 $ 9,157,000 $ 2,289,250 $ 67,000
Butler, Kansas 4 $ 495,000 $ 123,750 $ 202,000
Clay, Kansas 4 $ 614,000 $ 153,500 $ 78,000
Cowley, Kansas 4 $ 380,000 $ 95,000 $ 53,000
Ness, Kansas 4 $ 341,000 $ 85,250 $ 83,000
Sherman, Kansas 4 $ 233,000 $ 58,250 $ 31,000
Jackson, Missouri 4 $ 346,000 $ 86,500 $ 62,000
Johnson, Missouri 4 $ 161,000 $ 40,250 $ 52,000
Nassau, New York 4 $ 823,000 $ 205,750 $ 0
San Bernardino, California 3 $ 539,000 $ 179,666 $ 0
El Paso, Colorado 3 $ 1,263,000 $ 421,000 $ 39,000
Fulton, Georgia 3 $ 471,000 $ 157,000 $ 0
Gray, Kansas 3 $ 115,000 $ 38,333 $ 59,000
Pratt, Kansas 3 $ 329,000 $ 109,666 $ 79,000
Douglas, Nebraska 3 $ 476,000 $ 158,666 $ 103,000
Harris, Texas 3 $ 646,000 $ 215,333 $ 139,000
Cochise, Arizona 2 $ 338,000 $ 169,000 $ 66,000
Alameda, California 2 $ 885,000 $ 442,500 $ 0
Mono, California 2 $ 457,000 $ 228,500 $ 0
Orange, California 2 $ 622,000 $ 311,000 $ 0
Riverside, California 2 $ 637,000 $ 318,500 $ 0
Santa Clara, California 2 $ 598,000 $ 299,000 $ 0
Stanislaus, California 2 $ 240,000 $ 120,000 $ 0
Ventura, California 2 $ 843,000 $ 421,500 $ 0
Adams, Colorado 2 $ 365,000 $ 182,500 $ 142,000
Alamosa, Colorado 2 $ 373,000 $ 186,500 $ 63,000
Broomfield, Colorado 2 $ 705,000 $ 352,500 $ 455,000
Elbert, Colorado 2 $ 356,000 $ 178,000 $ 48,000
Huerfano, Colorado 2 $ 125,000 $ 62,500 $ 45,000
Mineral, Colorado 2 $ 450,000 $ 225,000 $ 465,000
Saguache, Colorado 2 $ 149,000 $ 74,500 $ 92,000
Fairfield, Connecticut 2 $ 475,000 $ 237,500 $ 0
Hillsborough, Florida 2 $ 295,000 $ 147,500 $ 49,000
Miami-Dade, Florida 2 $ 1,074,000 $ 537,000 $ 0
Muscogee, Georgia 2 $ 291,000 $ 145,500 $ 0
Pawnee, Kansas 2 $ 147,000 $ 73,500 $ 68,000
Reno, Kansas 2 $ 188,000 $ 94,000 $ 67,000
Rice, Kansas 2 $ 97,000 $ 48,500 $ 84,000
Rush, Kansas 2 $ 75,000 $ 37,500 $ 40,000
Smith, Kansas 2 $ 175,000 $ 87,500 $ 74,000
Trego, Kansas 2 $ 63,000 $ 31,500 $ 72,000
Norfolk, Massachusetts 2 $ 266,000 $ 133,000 $ 0
Boone, Missouri 2 $ 317,000 $ 158,500 $ 25,000
Henry, Missouri 2 $ 173,000 $ 86,500 $ 89,000
Franklin, Nebraska 2 $ 64,000 $ 32,000 $ 86,000
Clark, Nevada 2 $ 446,000 $ 223,000 $ 0
Washoe, Nevada 2 $ 420,000 $ 210,000 $ 180,000
Dare, North Carolina 2 $ 536,000 $ 268,000 $ 0
Mecklenburg, North Carolina 2 $ 314,000 $ 157,000 $ 0
Tarrant, Texas 2 $ 348,000 $ 174,000 $ 0
King, Washington 2 $ 504,000 $ 252,000 $ 0
Baldwin, Alabama 1 $ 281,000 $ 281,000 $ 0
Houston, Alabama 1 $ 118,000 $ 118,000 $ 0
Jefferson, Alabama 1 $ 58,000 $ 58,000 $ 0
Madison, Alabama 1 $ 210,000 $ 210,000 $ 0
Mobile, Alabama 1 $ 34,000 $ 34,000 $ 0
Tuscaloosa, Alabama 1 $ 563,000 $ 563,000 $ 0
Anchorage, Alaska 1 $ 241,000 $ 241,000 $ 0
Coconino, Arizona 1 $ 126,000 $ 126,000 $ 0
Pima, Arizona 1 $ 153,000 $ 153,000 $ 0
Benton, Arkansas 1 $ 72,000 $ 72,000 $ 159,000
Mariposa, California 1 $ 277,000 $ 277,000 $ 0
Sacramento, California 1 $ 191,000 $ 191,000 $ 0
San Joaquin, California 1 $ 344,000 $ 344,000 $ 0
Tulare, California 1 $ 88,000 $ 88,000 $ 0
Grand, Colorado 1 $ 208,000 $ 208,000 $ 150,000
Gunnison, Colorado 1 $ 212,000 $ 212,000 $ 1,019,000
Mesa, Colorado 1 $ 73,000 $ 73,000 $ 37,000
Morgan, Colorado 1 $ 130,000 $ 130,000 $ 66,000
Otero, Colorado 1 $ 32,000 $ 32,000 $ 14,000
Routt, Colorado 1 $ 315,000 $ 315,000 $ 0
Teller, Colorado 1 $ 94,000 $ 94,000 $ 71,000
New London, Connecticut 1 $ 1,540,000 $ 1,540,000 $ 1,382,000
Clay, Florida 1 $ 96,000 $ 96,000 $ 0
Lake, Florida 1 $ 214,000 $ 214,000 $ 0
Manatee, Florida 1 $ 942,000 $ 942,000 $ 0
Monroe, Florida 1 $ 35,000 $ 35,000 $ 0
Palm Beach, Florida 1 $ 430,000 $ 430,000 $ 0
Clayton, Georgia 1 $ 45,000 $ 45,000 $ 0
DeKalb, Georgia 1 $ 152,000 $ 152,000 $ 0
Glynn, Georgia 1 $ 374,000 $ 374,000 $ 0
Gwinnett, Georgia 1 $ 175,000 $ 175,000 $ 0
Henry, Georgia 1 $ 134,000 $ 134,000 $ 0
Paulding, Georgia 1 $ 66,000 $ 66,000 $ 0
Cook, Illinois 1 $ 122,000 $ 122,000 $ 0
DeKalb, Illinois 1 $ 76,000 $ 76,000 $ 0
McHenry, Illinois 1 $ 148,000 $ 148,000 $ 0
Tippecanoe, Indiana 1 $ 116,000 $ 116,000 $ 0
Polk, Iowa 1 $ 298,000 $ 298,000 $ 108,000
Cloud, Kansas 1 $ 3,000 $ 3,000 $ 55,000
Comanche, Kansas 1 $ 32,000 $ 32,000 $ 31,000
Franklin, Kansas 1 $ 117,000 $ 117,000 $ 30,000
Jefferson, Kansas 1 $ 117,000 $ 117,000 $ 30,000
Kearny, Kansas 1 $ 146,000 $ 146,000 $ 131,000
Leavenworth, Kansas 1 $ 124,000 $ 124,000 $ 62,000
Lyon, Kansas 1 $ 96,000 $ 96,000 $ 80,000
Marion, Kansas 1 $ 50,000 $ 50,000 $ 52,000
Meade, Kansas 1 $ 132,000 $ 132,000 $ 116,000
Mitchell, Kansas 1 $ 75,000 $ 75,000 $ 130,000
Neosho, Kansas 1 $ 60,000 $ 60,000 $ 29,000
Rawlins, Kansas 1 $ 49,000 $ 49,000 $ 40,000
Sheridan, Kansas 1 $ 128,000 $ 128,000 $ 58,000
Sumner, Kansas 1 $ 63,000 $ 63,000 $ 60,000
Wabaunsee, Kansas 1 $ 259,000 $ 259,000 $ 170,000
Wallace, Kansas 1 $ 28,000 $ 28,000 $ 66,000
Washington, Kansas 1 $ 68,000 $ 68,000 $ 28,000
Cumberland, Maine 1 $ 148,000 $ 148,000 $ 0
Baltimore, Maryland 1 $ 76,000 $ 76,000 $ 0
Howard, Maryland 1 $ 165,000 $ 165,000 $ 0
Montgomery, Maryland 1 $ 196,000 $ 196,000 $ 0
Worcester, Maryland 1 $ 86,000 $ 86,000 $ 0
Essex, Massachusetts 1 $ 118,000 $ 118,000 $ 0
Oakland, Michigan 1 $ 196,000 $ 196,000 $ 0
Olmsted, Minnesota 1 $ 153,000 $ 153,000 $ 98,000
Greene, Missouri 1 $ 219,000 $ 219,000 $ 0
St. Louis, Missouri 1 $ 25,000 $ 25,000 $ 0
Stone, Missouri 1 $ 88,000 $ 88,000 $ 59,000
Ravalli, Montana 1 $ 175,000 $ 175,000 $ 0
Cheyenne, Nebraska 1 $ 159,000 $ 159,000 $ 85,000
Seward, Nebraska 1 $ 60,000 $ 60,000 $ 57,000
Bergen, New Jersey 1 $ 111,000 $ 111,000 $ 0
Essex, New Jersey 1 $ 185,000 $ 185,000 $ 0
Middlesex, New Jersey 1 $ 124,000 $ 124,000 $ 0
Kings, New York 1 $ 81,000 $ 81,000 $ 0
New York, New York 1 $ 261,000 $ 261,000 $ 0
Onondaga, New York 1 $ 60,000 $ 60,000 $ 0
Oswego, New York 1 $ 78,000 $ 78,000 $ 0
Queens, New York 1 $ 32,000 $ 32,000 $ 0
Westchester, New York 1 $ 391,000 $ 391,000 $ 0
Grand Forks, North Dakota 1 $ 66,000 $ 66,000 $ 144,000
Garfield, Oklahoma 1 $ 265,000 $ 265,000 $ 130,000
Tulsa, Oklahoma 1 $ 213,000 $ 213,000 $ 155,000
Josephine, Oregon 1 $ 154,000 $ 154,000 $ 0
York, Pennsylvania 1 $ 217,000 $ 217,000 $ 0
Kent, Rhode Island 1 $ 139,000 $ 139,000 $ 0
Providence, Rhode Island 1 $ 148,000 $ 148,000 $ 0
Greenville, South Carolina 1 $ 32,000 $ 32,000 $ 0
Horry, South Carolina 1 $ 61,000 $ 61,000 $ 0
Pickens, South Carolina 1 $ 158,000 $ 158,000 $ 0
York, South Carolina 1 $ 324,000 $ 324,000 $ 158,000
Custer, South Dakota 1 $ 110,000 $ 110,000 $ 66,000
Davidson, Tennessee 1 $ 51,000 $ 51,000 $ 0
Collin, Texas 1 $ 224,000 $ 224,000 $ 140,000
Dallas, Texas 1 $ 1,995,000 $ 1,995,000 $ 548,000
Fort Bend, Texas 1 $ 189,000 $ 189,000 $ 0
Galveston, Texas 1 $ 89,000 $ 89,000 $ 0
Gregg, Texas 1 $ 8,000 $ 8,000 $ 47,000
Travis, Texas 1 $ 162,000 $ 162,000 $ 0
Salt Lake, Utah 1 $ 417,000 $ 417,000 $ 98,000
Utah, Utah 1 $ 124,000 $ 124,000 $ 0
Washington, Utah 1 $ 103,000 $ 103,000 $ 0
Rutland, Vermont 1 $ 52,000 $ 52,000 $ 0
Fairfax, Virginia 1 $ 124,000 $ 124,000 $ 0
Loudoun, Virginia 1 $ 477,000 $ 477,000 $ 0
Lynchburg, Virginia 1 $ 135,000 $ 135,000 $ 823,000
Suffolk, Virginia 1 $ 85,000 $ 85,000 $ 0
Snohomish, Washington 1 $ 216,000 $ 216,000 $ 0
Spokane, Washington 1 $ 102,000 $ 102,000 $ 0
Milwaukee, Wisconsin 1 $ 51,000 $ 51,000 $ 0

Mortgage Loan Application Detail Totals for Sunflower Bank, N.A. in 2014

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
Home Purchase 528 $98,296,000 $186,000 $8,700,000 $90,000 $1,382,000
Refinancing 335 $60,914,000 $181,000 $1,558,000 $86,000 $1,728,000
Home Improvement 159 $12,836,000 $80,000 $1,000,000 $87,000 $1,728,000

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 728 $108,649,000 $149,000 $1,995,000 $107,000 $1,728,000
Not applicable 177 $45,816,000 $258,000 $8,700,000 $0 $0
Hispanic 64 $7,379,000 $115,000 $1,558,000 $91,000 $630,000
Not Provided 26 $5,680,000 $218,000 $999,000 $141,000 $1,019,000
Black or African American 14 $2,454,000 $175,000 $770,000 $120,000 $328,000
Asian 10 $1,903,000 $190,000 $500,000 $108,000 $324,000
American Indian or Alaskan Native 2 $115,000 $57,000 $110,000 $29,000 $30,000
Native Hawaiian or Other Pacific Islander 1 $50,000 $50,000 $50,000 $52,000 $52,000

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) 956 $164,722,000 $172,000 $8,700,000 $92,000 $1,728,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 50 $4,961,000 $99,000 $233,000 $45,000 $78,000
FHA-insured (Federal Housing Administration) 16 $2,363,000 $147,000 $404,000 $0 $0
VA-guaranteed (Veterans 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 557 $89,333,000 $160,000 $1,995,000 $108,000 $1,728,000
Loan Purchased By The Institution 155 $31,952,000 $206,000 $942,000 $0 $0
Application Denied By Financial Institution 144 $25,845,000 $179,000 $8,700,000 $96,000 $1,411,000
Application Approved But Not Accepted 117 $16,504,000 $141,000 $706,000 $100,000 $823,000
Preapproval Denied by Financial Institution 21 $3,636,000 $173,000 $520,000 $62,000 $216,000
Application Withdrawn By Applicant 19 $3,250,000 $171,000 $634,000 $114,000 $432,000
Preapproval Approved but not Accepted 9 $1,526,000 $169,000 $500,000 $93,000 $170,000
File Closed For Incompleteness 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 83 $6,183,000 $74,000 $390,000 $63,000 $234,000
Debt-To-Income Ratio 45 $8,228,000 $182,000 $770,000 $58,000 $271,000
Other 27 $13,580,000 $502,000 $8,700,000 $184,000 $1,019,000
Unverifiable Information 4 $656,000 $164,000 $280,000 $70,000 $101,000
Collateral 4 $455,000 $113,000 $239,000 $131,000 $360,000
Credit Application Incomplete 1 $135,000 $135,000 $135,000 $1,411,000 $1,411,000
Employment History 1 $244,000 $244,000 $244,000 $130,000 $130,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Sunflower Bank, N.A.'s 2014 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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