Luke Baker

Title: Mortgage Sales Manager

NMLS# 1779289

Location: Spokane, WA

Luke Baker developed his extensive customer service skills on the links as a PGA pro for 15 years and says that his only regret is that he didn’t come to the mortgage business sooner. His passion is helping people and he leads his customers through the loan process as easily as teaching them how to improve their swing. Luke believes in educating borrowers on all their options to find the financing solution that’s right for them. He takes the stress out of homebuying and refinancing by being a good listener, being upfront about realistic possibilities, and by simply treating people with kindness. He is excited about Sunflower Bank’s groundbreaking products.

Luke’s philosophy in work and life is, “If you give 100% all of the time, somehow things work out.” He puts this wisdom to use whether he’s helping customers or outside of work playing golf, going to movies, concerts, boating, or traveling with his wife and young daughter.
 

MLO Success Story featuring Luke Baker

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Awards & Achievements

Sunflower Bank Petals of Prestige Logo

Petals of Prestige Award Recipient

2025 - The Pinnacle Club

President's Club

Guardian's President's Club Recipient

2021, 2022, 2023 & 2024

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
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.
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What My Customers Say

5 Star Rating
Luke was very awesome to work with. He absolutely busted his butt to make sure he got our business and he got us a great rate and always was available when we had questions. Highly recommend Luke and sunflower bank.

Derek T

WA

May 18, 2026

5 Star Rating
Lots of communication to help ensure everyone was on the same page.

Kimberly W

WA

May 14, 2026

5 Star Rating
We’ve completed three loans, and Luke was by far our favorite lender. He was always responsive, answered our calls promptly, and made us feel remembered and valued throughout the process. He also provided financing options that clearly outperformed other competitors. I would highly recommend Luke at Sunflower Bank to anyone looking to buy a home.

Laura S

ID

May 04, 2026

5 Star Rating
Wonderful job! Thank you Luke for fast service! Quick answer ! It was good working with you! Thank you!

Petr B

WA

Apr 21, 2026

5 Star Rating
Luke was amazing to work with. He made the process so easy and less stressful.

Kayla M

WA

Apr 19, 2026

5 Star Rating
Everything we encountered was pleasant and look forward to doing business again in the future.

Rodney W

WA

Apr 14, 2026

5 Star Rating
He was very patient with me, with my being a first time homebuyer. He answered all my questions and helped me figure out the best way to do everything for my income and home needs. It all happened so fast and efficiently that I can't believe i own a house!!!!

Cynthia B

WA

Mar 20, 2026

5 Star Rating
They were friendly professional and Luke went out of his way to make sure to answer any questions I had. It was a great experience.

Cari T

WA

Mar 10, 2026