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.

Matt Penny

Title: Mortgage Branch Manager

NMLS# 1581151

Location: Spokane, WA

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Matt Penny, a seasoned mortgage professional since 2016, has built a robust career in the real estate financing industry. With a keen understanding of the complexities of mortgages, Matt has been dedicated to guiding individuals through the intricate process of home financing. His expertise spans various aspects, from loan origination to navigating the ever-changing landscape of interest rates and market trends.

Matt's commitment to providing tailored financial solutions has earned him a reputation for reliability and excellence in the mortgage industry.

Beyond the world of mortgages, Matt finds joy in skiing down snowy slopes, perfecting his golf swing, conquering hiking trails, and boating on the lake. His dedication and passion extend seamlessly from his professional endeavors to his diverse range of hobbies.
 

Awards & Achievements

Sunflower Bank Petals of Prestige Logo

Petals of Prestige Award Recipient

2025 - Circle of Excellence Award

President's Club

Guardian's President's Club Recipient

2022 & 2023

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

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

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

it was a pleasure working with you.

Jeffrey K

WA

Mar 04, 2026

Always kept us the loop on the progress

Kevin B

WA

Feb 25, 2026

Great team - VERY creative and thoughtful! Matt especially was a pleasure to work with every step of the way!

Todd R

WA

Feb 17, 2026

Matt took care of us as we didn't have any idea what we were doing. He explained as we went. When I had a question I'd call him and he'd explain right now so I would not .worry the whole night. One of the best situations is on Spokane Falls Street is I had no problem with parking nex two the office. To get the business completed. I am really pleased with how he helped us through this processed.

Jerald V

WA

Feb 05, 2026

Super easy experience. Matt is super knowledgeable

Alan P

WA

Jan 28, 2026

I recommend Matt Penny and Sunflower Bank; the process was very quick and without any issues. They always answered my questions promptly and were very friendly. With a lot knowledge. ??

Cecilia A

WA

Dec 12, 2025

We recently worked with Matt Penny on a rapid refinance for our home, and once again he exceeded every expectation. We’ve worked with Matt before, and there’s a reason we keep coming back—he is consistently professional, knowledgeable, and incredibly easy to work with. Matt kept us informed every step of the way and was always available to answer questions or explain the details. His communication is top-tier, and he made the entire refinance process smooth, fast, and stress-free. If you’re looking for someone who knows the industry, works hard for his clients, and makes the whole experience feel effortless, Matt Penny is the one to call. Highly recommended!

Leonard W

WA

Nov 30, 2025

They did an A+ job. They were quick to respond and kept close communication throughout the process.

Dannah G

WA

Nov 21, 2025

Matt and his team have been very communicative and helpful during the whole process. He listens attentively to a clients' wants and situation and effectively makes a plan to fit within their needs. It didn't matter what time of day I contacted him with questions, he always gave clear answers and was of help the entire transaction process.

Jakob P

WA

Nov 07, 2025

Amazing individual. Extremely responsive and breaks everything out very nicely. He was never hesitant to run scenarios and offer many different solutions for our needs! Wouldn’t change a thing.

Bailey E

WA

Nov 03, 2025