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
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

5 Star Rating
Luke was quick to respond to questions and to fix any mistakes on paperwork. He was clear about expectations and communicated next steps clearly.

Shannon D

WA

Mar 09, 2026

5 Star Rating
great service very helpful every step of the way

William P

WA

Mar 05, 2026

5 Star Rating
Luke Baker and his team were very detailed and made the process simple!!!!

Adam C

WA

Feb 18, 2026

5 Star Rating
Luke baker was so amazing to work with. He outlined EXACTLY what we would need to do every step of the way. To prequalified to closing, he was very attentive and always available.

Madison T

WA

Feb 11, 2026

5 Star Rating
I highly recommend Luke. He responds promptly any day of the week and his extra efforts for clarity are always appreciated. Thanks Luke!

Scott F

WA

Jan 23, 2026

5 Star Rating
Extremely helpful and knowledge throughout the whole process. Patient and understanding with all my questions and inquiries. Absolutely recommend!

Claude W

WA

Jan 14, 2026

5 Star Rating
They are great to work with. Very knowledgable and communicative. I highly recommend working with Luke and his team.

Michelle D

WA

Jan 07, 2026