Do business with the bank. If you have a loan at a bank, open a checking account or savings account there. If you have found a bank you enjoy doing business with, open a checking account or a savings account before you make a proposal for a loan. View the banker as a business person, not a necessary evil. Bankers have a job to do - to help make money for the bank.
Banks have philosophies and regulations which determine what kinds of loans they make.
Take the time to find out what the lending policies are for your bank. If one banker does not appear to be interested in your business or does not treat you with professional respect, go to another.