Payton Lingo

Title: Mortgage Loan Originator

NMLS# 2686840

Location: Spokane, WA

With a longstanding passion for real estate, Payton Lingo specializes in helping homebuyers navigate the modern loan process with confidence. Whether it’s a first home, refinance, or investment, Payton prioritizes client needs, helping them achieve their financial goals. 

“Helping people make their dreams of homeownership come true is not only rewarding but also fulfilling,” says Payton. “I love knowing that they are making a good investment for their future.” 

Payton is dedicated to finding the best financing solutions for her clients’ unique needs. She works closely with them throughout the loan process, providing clear answers and consistent communication to ensure a seamless experience. 

When she is not helping customers with loans, Payton enjoys spending time with her family, playing pickleball, or fetch with her German Shepherd.  

Awards & Achievements

Sunflower Bank Petals of Prestige Logo

Petals of Prestige Award Recipient

2025 - Rookie of the Year

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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
Payton Lingo is very good at her job. She understands your needs and goes above and beyond to help meet your needs. It was very pleasant experience. Working with Payton on my home loan process. Choosing Payton and Sunflower bank was the best decision I made?? I would highly recommend Payton Lingo for to be your mortgage officer if you are applying for home loan.

Arooj S

WA

Feb 04, 2026

4.8 Star Rating
It was an absolute pleasure working with the Rookie of the Year. Payton and the whole team kept us informed throughout the process. There were also many adjustments made during the construction process that modified estimated completion dates and Payton & Sunflower never missed a beat.

Ty L

AZ

Feb 02, 2026

5 Star Rating
Payton made it so easy and was always available whenever we needed her! She is the best.

Soren D

ID

Jan 13, 2026

5 Star Rating
It was a pleasure working with Payton Lingo and her team! She was very helpful and great at communicating throughout the entire process. She was quick to respond to all my many questions. She was always cheerful and positive and I know she worked hard on my behalf. I would highly recommend her services to others looking for financing.

Linda W

WA

Dec 12, 2025

5 Star Rating
Payton was amazing. She explained everything to us, worked with us on each step. If there was one of her partners coming in to help, she informed us. She went above and beyond.

Racheal B

WA

Nov 16, 2025

5 Star Rating
Payton was incredibly helpful! She was flexible, kind, and so patient with me as I had many questions with this being my first home purchase. She was amazing to work with, and I cannot recommend her or Sunflower Bank enough!

Brea D

WA

Oct 29, 2025

5 Star Rating
Payton did a fantastic job for us.

Jeffrey H

WA

Sep 23, 2025