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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
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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Dave took my calls and everything seem to go very smoothly.
Reply from Dave Cook | Denver Mortgage Lounge ...
July 6th, 2026 10:29 PM
Vivian, thank you so much! It was a pleasure working with you on this transaction. I believe the best closings happen when everyone communicates well and works together toward the same goal, and I appreciate your partnership throughout the...
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Working with Dave was excellent - seemless experience and he guided us through everything.
Reply from Dave Cook | Denver Mortgage Lounge ...
July 6th, 2026 04:11 PM
Ethan, thank you so much! It’s been a pleasure working with you and Kara again. Having the opportunity to help you more than once means a lot, and I'm grateful for the trust you've placed in me over the years. I'm glad we could make this one...
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Dave was a pleasure to work with-excellent communication, quick responses, and a seamless transaction from beginning to end. I truly appreciated his professionalism and look forward to working together again.
Reply from Dave Cook | Denver Mortgage Lounge ...
July 6th, 2026 04:12 PM
Georgia, thank you so much for the kind words! It was a pleasure working with you as well. Great transactions happen when everyone communicates well and stays focused on serving the client, and I really enjoyed partnering with you throughout...
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Communication, explaining, reaching out, updating, funding, completing the deal! I can always count on you and your team.
Reply from Dave Cook | Denver Mortgage Lounge ...
June 29th, 2026 03:42 PM
I'm pleased to hear that you felt well-supported throughout the process, Jean Marie!. It's great to know that our communication and efforts to keep you informed made a positive impact. Thank you for your trust in me and my team at Luminate...
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The time needed to help us in our journey was always available. Dave answered our inquiries day and night and took the time to ensure we were informed and understood every step of the way. He worked with our realtor and any entity necessary...
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Reply from Owner
July 6th, 2026 04:15 PM
Brian, thank you so much for taking the time to write such a thoughtful review. It was truly a pleasure helping you through the home buying journey. I'm grateful that you recognized the importance we place on being available, communicating...
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The time needed to help us in our journey was always available. Dave Answerednour inquiries day and night and took the time to ensure we were informed and understood every step of the way. He worked with our realtor and any entity necessary...
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Reply from Dave Cook
June 29th, 2026 03:44 PM
Brian, I'm really pleased to hear that I could be there for you and Linda throughout your journey. It's great to know that my efforts to keep you informed and made a positive impact. Your kind words mean a lot, and I'm thankful for the opportunity...
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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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