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Dave Cook | Denver Mortgage Lounge | A Divisi...
Branch Manager / Loan Officer


Empire State University
I'm Dave Cook, Branch Manager and Loan Officer at Denver Mortgage Lounge, a division of Luminate Bank. For 26 years, I've helped first-time homebuyers, repeat buyers, homeowners and real estate investors make confident mortgage decisions an... Show More
Location & Business Hours
Business Hours
Wed
8 AM to 5:30 PM
Thu
8 AM to 5:30 PM
Fri
8 AM to 5:30 PM
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Reviews from Web
I had the pleasure of working with Dave and I must say, he is absolutely amazing! He has a keen eye for numbers and is dedicated to helping you find the best possible deal tailored to your unique situation, while also presenting other viable...
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Reply from Owner
March 20th, 2024 09:26 PM
Wow Tasha, you just made my day! I absolutely loved helping you and Sam buy your first home, truly it was an honor!! You both were amazing to work with and I am so excited for you guys and this next chapter of your lives!
This was our 4th time working with Dave. I wouldn't work with anyone else. Each time he was professional, kept us informed on each step and was available to answer any questions we had. Dave is the best in the business!
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Reply from Dave Cook | Denver Mortgage Lounge ...
September 12th, 2026 03:21 PM
JoNell, four times! I can’t thank you enough for the trust you and Wayne have placed in me over the years. Getting to help the same clients through different chapters and different mortgage needs is one of my favorite parts of what I do. I’m...
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I would recommend Dave and his team to everyone I know! We had bad experiences with another lender in the area, but Dave stepped in and really took the stress out of the lending process. He is a master of clear and organized communication,...
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Reply from Owner
September 5th, 2026 05:43 PM
Sydney and Aaron, thank you so much for the kind words! After what you experienced with your previous lender, it meant a great deal that you trusted me to step in and help get everything across the finish line. Clear communication and making...
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Dave and his team were efficient, communicative and all around enjoyable to work with!
Reply from Dave Cook | Denver Mortgage Lounge ...
September 1st, 2026 05:28 PM
Thanks Alex! I really enjoyed working with you as well and you did an amazing job helping Aaron & Sydney! Lets do it again soon!
Dave was able to layout all of our loan options, explain the process, and answer all of our questions. Didn't feel pushed or pressured to choose a specific path. Lastly Dave has a great team and a ton tools and technology helping guide the...
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Reply from Owner
August 17th, 2026 11:45 PM
Ian, thank you so much! I really enjoyed working with you and Sarah. One of the most important parts of my job is making sure you understand the different options available and have the information you need to make the decision that feels right...
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Dave was able to layout all of our loan options, explain the process, and answer all of our questions. Didn't feel pushed or pressured to choose a specific path. Lastly Dave has a great team and a ton tools and technology helping guide the...
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Reply from Dave Cook | Denver Mortgage Lounge ...
August 17th, 2026 11:45 PM
Ian, thank you so much! I really enjoyed working with you and Sarah. One of the most important parts of my job is making sure you understand the different options available and have the information you need to make the decision that feels right...
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Dave is the best lender in Denver. Love his responsiveness, knowledge and attention to detail
Reply from Dave Cook | Denver Mortgage Lounge ...
August 13th, 2026 02:44 PM
Thanks so much Liz! It's such a pleasure working with you as always!
Dave was incredibly knowledgeable and a pleasure to work with. He took the time to answer all of our questions thoughtfully and helped us navigate a somewhat unusual financial situation. I highly recommend him to anyone in the Denver area.
Reply from Owner
August 4th, 2026 12:48 AM
Adam, thank you for the thoughtful review. I really enjoyed working with you and Christina and appreciated the opportunity to help navigate a more unique financing scenario. I know those situations can bring a lot of questions, so I'm glad...
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Dave Cook | Denver Mortgage Lounge | A Division of Luminate Bank has received a review with 5 star rating from Sean H
Reply from Owner
July 24th, 2026 01:45 PM
Thank you Sean! It was an honor helping you and Virgina with your first home purchase!
Dave was thoughtful and considerate of our needs. He answered all of our questions and helped us understand our options. We never felt like we had to pick from pre-packaged abstract structures, instead being able to understand what knows we...
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Reply from Dave Cook | Denver Mortgage Lounge ...
July 24th, 2026 01:43 PM
Sean, thank you for such a thoughtful review. It was a pleasure helping you and Virginia through this exciting milestone. One of the things I enjoy most is helping clients understand that a mortgage isn't one-size-fits-all. Taking the time...
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About
I'm Dave Cook, Branch Manager and Loan Officer at Denver Mortgage Lounge, a division of Luminate Bank. For 26 years, I've helped first-time homebuyers, repeat buyers, homeowners and real estate investors make confident mortgage decisions and build wealth through real estate. I listen to each client's goals, explain the options in plain language and provide proactive guidance from our first conversation through closing and beyond. Based in Cherry Creek North, I serve clients throughout Denver, across Colorado and nationwide. I'm proud to be recognized as a top 1 percent mortgage originator by Scotsman Guide, but the recognition that matters most is the trust reflected in hundreds of five-star client reviews.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Mortgage Lender
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Cash-Out Refinances
Non-QM
DSCR Loans
Bank Statement Mortgages
Specialities
Bridge loans
VA loans
FHA loans
Jumbo loans
Conventional Loans
Mortgage Lending
Government Loans
Purchase Loans
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Education
- Empire State UniversityMay 1997 -Sep 2000

Positions
- Luminate Bank - Branch Manager Jan 16th, 2023 - Current
- Celebrity Home Loans - Branch ManagerAug 31st, 2021 - Dec 16th, 2022
Memberships
- Colorado Mortgage Lenders Association
- Mortgage Bankers Association
- Performance Experts Leadership 360
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2000
Time Zone
Mountain Standard Time (MST)
Licenses
- NMLS # 274175
Gallery


Awards
2013 Outstanding p...
2014 Outstanding p...
2015 Top producer ...
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Achievements
- Top 1% Mortgage Originator – Scotsman Guide
- 26 Years of Mortgage Lending Experience
- Yearly President’s Club Recipient
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Hobbies
- Smoking cigars
- Working out
- Going on walks with my family and our dog Tank & Bear
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Disclaimer
Luminate Bank is an Equal Housing Lender | Member FDIC
Luminate Bank | NMLS ID #1281698
2523 S Wayzata Blvd. #100 Minneapolis, MN 55405 | Phone (952) 698-3300
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