Lenders › Sunflower Bank National Association
7(a) lenderDallas, TexasFDIC-insured bank136th of 2,184 by approvals
Sunflower Bank National Association
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Sunflower Bank National Association, based in Dallas, Texas, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 268 of its 7(a) loans worth $238M in FY2021 to FY2025, which places it 136th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 19 approvals totalling $15.4M, down 14% on FY2024 (22). FY2026 to 30 Jun 2026 adds 4 more.
The median approval was $495K, against $190K for the 7(a) program as a whole; 14.6% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 12 states and territories and 60 counties, led by Arizona (28.0%), Colorado (22.8%) and Texas (17.9%). The largest industry group was construction at 14.6% of approvals, and 8.6% of approvals were to franchise businesses.
Of 640 disbursed loans approved in FY2010 to FY2021, SBA records 19 as charged off (3.0%), 447 as paid in full and 174 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 4 | $2.4M | $400K | $605K | 106 |
| FY2025 | 19 | $15.4M | $374K | $809K | 327 |
| FY2024 | 22 | $23.9M | $597K | $1.1M | 538 |
| FY2023 | 33 | $29.8M | $500K | $903K | 566 |
| FY2022 | 42 | $34.6M | $472K | $824K | 407 |
| FY2021 | 152 | $134M | $498K | $884K | 2,883 |
| FY2020 | 107 | $82.9M | $350K | $775K | 2,046 |
| FY2019 | 40 | $30.5M | $471K | $764K | 467 |
| FY2018 | 60 | $62.2M | $465K | $1.0M | 1,330 |
| FY2017 | 51 | $44.0M | $400K | $863K | 1,252 |
| FY2016 | 60 | $42.8M | $368K | $714K | 993 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 318 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Arizona | 7(a) program |
|---|---|---|---|
| Approvals in these years | 718 | 12,990 | 639,905 |
| Cancelled or never disbursed | 78 | 1,486 | 79,313 |
| Disbursed loans | 640 | 11,504 | 560,592 |
| Paid in full | 447 | 8,917 | 435,813 |
| Charged off | 19 | 692 | 36,891 |
| Still outstanding (status exempt from disclosure) | 174 | 1,895 | 87,888 |
| Charged off, share of disbursed loans | 3.0% | 6.0% | 6.6% |
| Dollars charged off, share of disbursed dollars | 2.3% | 1.9% | 2.5% |
| Dollars charged off | $11.0M | $110M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 125 | 53 | 2 | 1.6% | 2.8% |
| FY2020 | 102 | 61 | 2 | 2.0% | 4.0% |
| FY2019 | 36 | 11 | 1 | 2.8% | 6.7% |
| FY2018 | 56 | 37 | 2 | 3.6% | 7.9% |
| FY2017 | 46 | 35 | 2 | 4.3% | 7.7% |
| FY2016 | 56 | 49 | 1 | 1.8% | 7.2% |
| FY2015 | 61 | 56 | 0 | 0.0% | 6.9% |
| FY2014 | 42 | 37 | 3 | 7.1% | 6.4% |
| FY2013 | 29 | 27 | 2 | — | 6.0% |
| FY2012 | 30 | 28 | 1 | 3.3% | 6.3% |
| FY2011 | 37 | 36 | 0 | 0.0% | 6.9% |
| FY2010 | 20 | 17 | 3 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $495K | $190K |
| Average approval | $888K | $518K |
| Approvals of $150,000 or less | 14.6% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 34.3% | 34.3% |
| Approvals to franchise businesses | 8.6% | 11.5% |
| Jobs supported per approval, as reported | 17.6 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 3.0% | 6.6% |
States served
| # | State of the business (12 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Arizona | 75 | $49.5M | 28.0% | |
| 2 | Colorado | 61 | $59.4M | 22.8% | |
| 3 | Texas | 48 | $49.4M | 17.9% | |
| 4 | California | 32 | $31.2M | 11.9% | |
| 5 | Kansas | 17 | $15.1M | 6.3% | |
| 6 | New Mexico | 14 | $15.6M | 5.2% | |
| 7 | Missouri | 14 | $11.9M | 5.2% | |
| 8 | Florida | 3 | $2.1M | 1.1% | |
| 9 | Oregon | 1 | — | 0.4% | |
| 10 | Illinois | 1 | — | 0.4% | |
| 11 | Hawaii | 1 | — | 0.4% | |
| 12 | Utah | 1 | — | 0.4% |
In Arizona the lender accounts for 1.3% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (60 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Maricopa County, AZ | 65 | $44.3M | 24.3% | |
| 2 | El Paso County, TX | 22 | $20.1M | 8.2% | |
| 3 | Denver County, CO | 14 | $13.3M | 5.2% | |
| 4 | Jefferson County, CO | 11 | $13.7M | 4.1% | |
| 5 | Bernalillo County, NM | 11 | $13.4M | 4.1% | |
| 6 | Johnson County, KS | 10 | $8.9M | 3.7% | |
| 7 | Adams County, CO | 9 | $14.2M | 3.4% | |
| 8 | Orange County, CA | 9 | $2.7M | 3.4% | |
| 9 | Los Angeles County, CA | 7 | $6.3M | 2.6% | |
| 10 | Douglas County, CO | 6 | $4.1M | 2.2% | |
| 11 | Arapahoe County, CO | 6 | $2.9M | 2.2% | |
| 12 | San Diego County, CA | 5 | $6.9M | 1.9% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 39 | 14.6% | |
| 2 | Retail Trade | 34 | 12.7% | |
| 3 | Health Care and Social Assistance | 31 | 11.6% | |
| 4 | Professional, Scientific, and Technical Services | 29 | 10.8% | |
| 5 | Manufacturing | 26 | 9.7% | |
| 6 | Wholesale Trade | 21 | 7.8% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 19 | 7.1% | |
| 8 | Other Services (except Public Administration) | 17 | 6.3% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Building Equipment ContractorsNAICS 2382 | 15 | 5.6% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 14 | 5.2% | |
| 3 | Offices of DentistsNAICS 6212 | 14 | 5.2% | |
| 4 | Lessors of Real EstateNAICS 5311 | 11 | 4.1% | |
| 5 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 10 | 3.7% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 9 | 3.4% | |
| 7 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 3.4% | |
| 8 | Building Finishing ContractorsNAICS 2383 | 8 | 3.0% | |
| 9 | Offices of Other Health PractitionersNAICS 6213 | 8 | 3.0% | |
| 10 | Other Specialty Trade ContractorsNAICS 2389 | 7 | 2.6% |
Approval sizes
- $50,000 or less4.5%12
- $50,001 to $150,00010.1%27
- $150,001 to $350,00026.5%71
- $350,001 to $1 million33.6%90
- $1 million to $2 million12.7%34
- Over $2 million12.7%34
Loan terms
- 5 years or less6.0%16
- Over 5 to 10 years74.3%199
- Over 10 to 20 years4.5%12
- Over 20 years15.3%41
Age of the businesses
- Existing, more than 2 years old43.3%116
- New business, 2 years or less22.4%60
- Startup, loan funds will open the business11.9%32
- Change of ownership22.4%60
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 172 | 64.2% | |
| 2 | SBA Express Program | 76 | 28.4% | |
| 3 | 7a General | 10 | 3.7% | |
| 4 | Working Capital CAPLine | 4 | 1.5% | |
| 5 | 7a with EWCP | 3 | 1.1% | |
| 6 | Seasonal CAPLine | 1 | 0.4% |
Franchise share
23 of 268 approvals in FY2021–FY2025 (8.6%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Edible Arrangements | 2 | 0.7% | |
| 2 | Firehouse Subs | 2 | 0.7% | |
| 3 | The UPS Store | 2 | 0.7% | |
| 4 | Sir Speedy | 2 | 0.7% | |
| 5 | Budget Blinds | 2 | 0.7% | |
| 6 | Sky Zone | 1 | 0.4% | |
| 7 | Tyree Oil, Inc | 1 | 0.4% | |
| 8 | Mattress Firm | 1 | 0.4% |
Questions and answers
How many SBA loans does Sunflower Bank National Association make?
SBA approved 19 7(a) loans through Sunflower Bank National Association in FY2025, worth $15.4M, and 268 over FY2021 to FY2025. That ranks 136th of 2,184 active 7(a) lenders by number of approvals.
How large are Sunflower Bank National Association's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $495K and the average $888K. The program-wide median was $190K.
What is Sunflower Bank National Association's charge-off rate?
Of 640 disbursed loans approved in FY2010 to FY2021, SBA records 19 as charged off (3.0%), 447 as paid in full and 174 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Sunflower Bank National Association lend to most?
By number of approvals in FY2021 to FY2025: building equipment contractors (15); automotive repair and maintenance (14); offices of dentists (14); lessors of real estate (11).
Where does Sunflower Bank National Association make SBA loans?
In 12 states and territories. Arizona 75, Colorado 61, Texas 48, California 32, Kansas 17. In Arizona it accounts for 1.3% of all 7(a) approvals.
Is Sunflower Bank National Association's SBA lending rising?
Approvals in the three latest complete fiscal years total 74, against 301 in the three before: falling (-75%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error