Sunflower Bank, National Association
3,566 mortgages originated in 2025 across 10 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,566
- Median rate
- 6.490%
- Median lender fees
- $6,947
- Median loan amount
- $365,000
- Median spread over APOR
- 0.146
- Paid discount points
- 65.9%
- Received lender credits
- 36%
- Purchases / refinances
- 80.4% / 18.1%
- Conventional / FHA / VA
- 73.8% / 16.2% / 9.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 93.8% of loans here — see methodology.
Where Sunflower Bank, National Association lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Washington | 697 | $8,281 | 6.490% |
| Colorado | 538 | $4,017 | 6.375% |
| Texas | 487 | $8,879 | 6.490% |
| New Mexico | 349 | $7,243 | 6.490% |
| Oregon | 322 | $9,553 | 6.490% |
| Arizona | 282 | $7,053 | 6.490% |
| Idaho | 262 | $8,697 | 6.490% |
| Kansas | 218 | $3,584 | 6.375% |
| California | 113 | $6,805 | 6.625% |
| Michigan | 91 | $4,522 | 6.625% |