Andrew Byrd

Title: Mortgage Sales Manager

NMLS# 1117336

Location: Coeur d'Alene, ID

At Sunflower Bank, we do things differently than other home lenders. We believe that communication is key, so whether you’re a first-time homebuyer, or a seasoned homeowner looking to refinance, we make sure to walk you through every step of the process. We offer a variety of loan options from conventional, to government, to everything in between. Our comprehensive suite of lending options allows us to find you a product that best suits your financial needs.

We value your business, and you are definitely not just a number to us. We show this by servicing your loan from beginning to end – we don’t close a loan and pass off our clients to a third-party. In fact, Sunflower Bank keeps most loans in-house to completion. This person-to-person approach makes an impact.

Ready to get started? Contact me today! Creating possibility for our customers and putting them in their dream homes is what we do.
 
Family of 4 moving into home carrying boxes

Down Payment Assistance

Did you know there are programs that can help you find funding for your down payment? We are proud to offer a range of national and state-specific Down Payment Assistance programs that can help turn your dreams of homeownership into reality. Click below to see if you are eligible. 
Check Eligibility
Woman holding phone and smiling

My Mortgage App

My mortgage app makes it easy! Get your digital to-do list, access calculators, send documents securely and much more!

In just a few clicks you'll receive a text message with a custom download link to connect directly with me on the mobile app!
Get My Custom Mobile App Link
Calculator on table with pen and laptop

Calculators

Get help answering the big questions:
What will my monthly payments be? 
Can I save money by refinancing?
Should I keep renting or buy now? 

Visit our calculators for quick reference then contact us for specific guidance!
Check Out Our Calculators!

Finance Your Dream Home

Homebuying isn’t a one-mortgage-fits-all experience. That’s why Sunflower Bank offers a variety of home loan options to fit your goals and financial needs. Whether you’re looking to buy, build, or refinance, our expert loan originators will guide you through possible options to find the right solution for your homebuying needs.
Home

What My Customers Say

5 Star Rating
Andrew was a pleasure to work with answered many of our questions and helped us through the loan process

Michael T

ID

May 14, 2026

5 Star Rating
Easy to work with, smooth and timely.

Kyle S

ID

May 02, 2026

5 Star Rating
Andrew always made himself available for any questions I had and answered them promptly when asked. I never felt rushed or stressed during the entire process. Really appreciated his help and guidance.

Joseph G

ID

Apr 28, 2026

5 Star Rating
Andy created a clear roadmap and helped us confidently navigate the path to achieving our goals. He took the time to truly understand what we were looking for and worked diligently to help us get exactly what we wanted. His approach is practical, thoughtful, and highly professional, which made the entire process feel smooth and reassuring. We were very pleased with our experience working with Andy and Sunflower Bank. Communication was consistent, expectations were clear, and he was always available to answer questions and offer guidance. Beyond his expertise, Andy is simply great to work with — personable, trustworthy, and genuinely invested in his clients’ success. We’re very fond of Andy and would highly recommend him to anyone looking for home financing.

Brittany T

ID

Apr 03, 2026

5 Star Rating
We had a fantastic experience working with our loan officer. They were incredibly knowledgeable and took the time to explain every step in a way that felt clear and manageable. What really stood out was how friendly and relatable they were—it never felt transactional, but genuinely supportive. We had a pretty messy file and were under a tight time crunch, but they handled everything with confidence and professionalism. No matter what came up, they stayed calm, solution-focused, and kept things moving forward. Their communication was consistent and reassuring, which made a stressful process so much easier. We truly felt like they were in our corner the entire time. Highly recommend to anyone looking for someone who knows what they’re doing and actually cares.

Courtney C

ID

Mar 30, 2026

5 Star Rating
Andrew is always a pleasure to work with, he is very knowledgeable and efficient.

Cody B

ID

Mar 25, 2026