Mortgage Customers:Please note that you may receive your Escrow Analysis twice - once as a standalone document and again bundled with your Year-End Statements. The Escrow Analysis statements are identical, and no further action is required by you.

JR Younathan

Title: Mortgage Regional Sales Manager

NMLS# 489047

Location: Ontario, CA

JR Younathan is a mortgage professional with 27 years of experience in the lending industry. He entered the field to help clients achieve homeownership and guide them toward long-term financial stability through wise financial stewardship.

Although JR attended college, he attributes much of his knowledge to the exceptional mentors who shaped his approach to lending and leadership. JR enjoys helping clients secure and sustain homeownership, and he is equally passionate about helping Loan Originators grow and succeed. His approach is rooted in patience, kindness, experience, and genuine care for each client’s future.

His guiding philosophy is to serve others first, believing that success follows when people are lifted up and supported. 

Outside of work, JR enjoys time with family and friends, working out, hiking, serving at church, exploring new places, gardening, home projects, the mountains, camping, snow, and snowboarding.

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
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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
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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.
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What My Customers Say

5 Star Rating
J.R., thank you for the outstanding service during my lending process. Your professionalism and the speed at which you moved everything forward was exceptional. It was a pleasure doing business with you and the team at Sunflower Bank.

Jason M

TX

Mar 12, 2026