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Dave Cook | Denver Mortgage Lounge | A Division of Luminate Bank - Branch Manager / Loan Officer in Denver, CO
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Dave Cook | Denver Mortgage Lounge | A Divisi...

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Branch Manager / Loan Officer

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Empire State University
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
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Empire State University
Empire State University
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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Overall Ratings
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5 Star
99%
4 Star
1%
3 Star
0%
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1 Star
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Reviews from Web
  • Encompass
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    Owen P
    ENGLEWOOD, CO
    Posted on February 14th, 2026 05:06 PM
    Daves experience is expert level
    Reply from Dave Cook | Denver Mortgage Lounge ...
    March 26th, 2026 01:38 PM
    Owen, thank you for the perfect rating. I'm pleased to know that my experience made a difference for you. If there's anything more I can do to assist, please feel free to let me know.
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    Arielle B
    Posted on January 20th, 2026 10:49 PM
    Dave Cook was recommended to me by a friend, and I’m so glad I worked with him. Even though Dave is based in Denver and my new property is in DC, the entire process was completely seamless. I didn’t have a real estate agent—which can be nerve-wracking—but...
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    Reply from Owner
    January 21st, 2026 05:06 PM
    Arielle, thank you for such a thoughtful review. It was truly a pleasure helping you navigate your purchase in DC, and I’m grateful you trusted me even from across the country. Buying without a real estate agent can feel overwhelming, so I’m...
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    Angelina M
    Posted on January 13th, 2026 03:30 PM
    This was the second time we have worked with Dave. Dave and his team are always responsive, professional, and easy to work with. Communication was clear throughout the entire process, and every question was answered quickly. The experience...
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    Reply from Owner
    January 15th, 2026 04:58 PM
    Angelina, thank you for taking the time to share this — and for coming back to work with us a second time. It means a lot to have your continued trust. I’m glad to hear the communication and responsiveness stood out and that the process felt...
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    Angelina R M
    PARKER, CO
    Posted on January 13th, 2026 03:28 PM
    Dave and his team are always responsive, professional, and easy to work with. Communication was clear throughout the entire process, and every question was answered quickly. The experience was smooth from start to finish, and I would highly...
    read more
    Reply from Dave Cook | Denver Mortgage Lounge ...
    January 13th, 2026 04:08 PM
    Angelina, thank you for the wonderful review. It was a pleasure working with you and Geoff throughout the process. I’m really glad to hear that the communication and workflow felt clear from start to finish — that’s exactly what we aim for...
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    John G
    PARKER, CO
    Posted on January 13th, 2026 02:27 PM
    Easy process
    Reply from Dave Cook
    January 13th, 2026 03:04 PM
    Thanks John for the feedback, it was great working with you!
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    Nathan B
    Posted on December 23rd, 2025 10:29 PM
    Dave was very helpful during the initial loan process. He took the time to explain how everything works, walked me through my options, and provided clear, thoughtful feedback that helped me understand what to expect moving forward. His guidance...
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    Reply from Owner
    January 6th, 2026 04:00 PM
    Nathan, thank you for the kind words! I’m really glad the early conversations helped clarify your options and set expectations moving forward. Taking the time upfront to walk through the process is so important, and I’m happy to hear it made...
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    Chad G
    Posted on December 22nd, 2025 07:42 PM
    Excellent experience. Great team, responsive and explained the process in detail. I will work with Dave again!
    Reply from Owner
    January 6th, 2026 04:01 PM
    Chad, I really appreciate that—thank you. It’s always a pleasure working alongside you, and I’m glad the communication and teamwork made the process smooth. Looking forward to many more deals together.
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    Chad G
    COLORADO SPRINGS, CO
    Posted on December 22nd, 2025 07:40 PM
    Great response time and good communication. We had a few challenges along the way but were able to overcome thanks you Dave's help.
    Reply from Dave Cook | Denver Mortgage Lounge ...
    January 13th, 2026 03:03 PM
    Chad, I really appreciate that—thank you. It’s always a pleasure working alongside you, and I’m glad the communication and teamwork made the process smooth. Looking forward to many more deals together.
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    Jason O
    Posted on December 19th, 2025 09:21 PM
    We were referred to Dave through a family friend and were so glad to have worked with someone so knowledgeable and professional. He was able to take what is typically a highly stressful loan approval process and walk us through every step to...
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    Reply from Owner
    January 6th, 2026 04:03 PM
    Jason, thank you for taking the time to share this. I’m really glad we could take what’s often a complicated and stressful approval process and turn it into something straightforward and successful for you and Bella. It was a pleasure guiding...
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    Colleen O
    FIRESTONE, CO
    Posted on December 12th, 2025 03:12 PM
    Dave is outstanding to work with!
    Reply from Dave Cook | Denver Mortgage Lounge ...
    December 12th, 2025 03:23 PM
    Thank you Colleen! You are an outstanding agent, and I love working with you too!!!
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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 University
      May 1997 -Sep 2000
      Empire State University logo
    Positions
    • Luminate Bank - Branch Manager
      Jan 16th, 2023 - Current
    • Celebrity Home Loans - Branch Manager
      Aug 31st, 2021 - Dec 16th, 2022
    Memberships
    • Colorado Mortgage Lenders Association
    • Mortgage Bankers Association
    • Performance Experts Leadership 360
    • View All
    Addresses and Serving Areas

    Year Started

    2000

    Time Zone

    Mountain Standard Time (MST)
    Licenses
    • NMLS # 274175
    Gallery
    Dave Cook | Denver Mortgage Lounge | A Division of Luminate Bank - Gallery Photo
    Dave Cook | Denver Mortgage Lounge | A Division of Luminate Bank - Gallery Photo
    Awards
    2013 Outstanding performance award
    2013 Outstanding p...
    2014 Outstanding performance award
    2014 Outstanding p...
    2015 Top producer award
    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
    • View All
    Hobbies
    • Smoking cigars
    • Working out
    • Going on walks with my family and our dog Tank & Bear
    • View All
    Disclaimer
    Equal Housing Lender
    Luminate Bank is an Equal Housing Lender | Member FDIC
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