Relationship Lending

Relationship lending image
If you have a full banking relationship with Sunflower Bank or First National 1870, consider this your personal invitation to exclusive financing. Talk to a Guardian Mortgage professional to find out about the benefits of our Relationship Lending program. (And thank you for being an honored client.)


  • Up to 100% financing1 on primary residence
  • Purchase, rate and term refinance
  • Gift funds allowed
  • Enhanced lending options available with our “Guardian Loyalty Relationship” relationship program2.


  • Single-family primary residences
  • Planned unit developments (PUDs)
  • Condos (warrantable to FNMA guidelines)
  • Non-warrantable condos with restrictions3
  • Acreage – up to 10 acres, not zoned rural or agricultural


  • Wealth Management
  • Personal Banking (loan or deposit)
  • Business Banking (loan or deposit)
  • Treasury Services

1Up to $1.5 million. Other terms and conditions apply. 2The Guardian Loyalty relationship program is extended to clients who have an existing business or personal banking relationship with Sunflower Bank or First National 1870, a division of Sunflower Bank, N.A. We will provide lending for primary residences and second homes outside of Sunflower Bank’s eligible areas (excluding New York and Florida), if Guardian is authorized to originate and service the loan in the subject property state. Program eligible in CO, NM, AZ, MI, TX, MO, KS, WA, CA (select areas/counties). 3Maximum LTV is the lesser of 80% or the LTV as specified by the loan program. 4Any one or more of the listed services.