Mortgage Accounts

Guardian Mortgage is the home loan division of Sunflower Bank, N.A. and we are pleased to let you know that all Pioneer Bank mortgage loans are moving to its systems and processes. Guardian Mortgage was founded in 1965 on the principles of integrity, superior customer service and mutual trust. Today it originates loans in 43 states and has helped over one million homeowners realize their dreams of homeownership. We encourage you to visit to learn about our services and find a loan originator near you.

The transition of your loan to Guardian will not affect existing loan terms and conditions of your current mortgage. However, there will be changes to where loan payments are mailed, as well as changes to notices and statements you will receive.


The servicing of your mortgage loan is being transferred from Pioneer Bank, SSB to Guardian Mortgage, a division of Sunflower Bank, N.A., effective May 2, 2022. Nothing else about your mortgage loan will change.

Pioneer Bank, SSB will stop accepting your mortgage payment effective April 29, 2022. Guardian Mortgage, a division of Sunflower Bank, N.A., will collect your mortgage payment going forward and will start accepting payments from you effective May 2, 2022.

You will receive a mailed Servicing Transfer Notice from Guardian Mortgage with more information.


  • If your loan payment is currently being drafted by Pioneer Bank (via ACH), the payment will continue to be deducted without interruption.
  • If you are using your personal financial institution “bill pay” functionality, you will need to update the billing information to reflect the following:

Guardian Mortgage
PO Box 833890
Richardson, TX 75083-3890

  • If you would like to set up your loan payment to be automatically drafted by Guardian Mortgage (via ACH), please call Guardian Mortgage Customer Service after the effective date of the Servicing Transfer.
    • Customer Service Business Hours: M-F, 8 a.m. – 5 p.m. (CT)
    • Customer Service (Toll Free): 800.331.4799
  • Upon the Servicing Transfer of your mortgage loan, you will have the following mortgage payment options:
    • Online Payments: You will have the ability to make payments and view your loan information in Guardian Mortgage’s online portal called My Account by visiting You will not be able to view your Guardian Mortgage loan in Sunflower Bank’s Personal Online Banking platform.
    • Pay By Phone: Call 855.577.3384 to make a one-time payment. You will need your new Guardian Mortgage loan number, bank account number and bank routing number.
    • Pay By Mail: Include your loan number on your check memo line and/or include your statement’s payment coupon and mail to the following address:

Guardian Mortgage
PO Box 833890
Richardson, TX 75083-3890

  • Branch Location: Make your mortgage payment at any Pioneer Bank, Sunflower Bank or First National 1870 branch during business hours.