About Us

We’ll guide you every step of the way in your mortgage application process. Golden Lenders specializes in helping people buy a new home or refinance the one they are living in now, regardless of credit standing.

Who We Are

Golden Lenders

We have more than 25 years of experience in the mortgage industry – just the expertise you need for a successful outcome. Our team of mortgage consultants work to simplify the process for you, while educating you on this complex process. Whether its your first home, or you’re an experienced home buyer, we’re here to ensure everything goes as smoothly as possible.

Serving Our Customers
with Pride

Our priority is customer service. It is our goal to make this process as easy and convenient as possible while getting you the best deal on your loan. In fact, we rely on referrals for business, which demonstrates how happy our customers are with the results we 

provide. We work with borrowers of every type from those who want to buy their first home, refinance the house they are in now or have credit challenges. Below is a small sample of the loan types our mortgage broker service offers:

  • First-Time Home Buyer Loans
  • Purchase Loans
  • Conventional Loans
  • Reverse Mortgage Loans
  • Equity Loans
  • No Equity or Appraisal Home Improvement Loans
  • No-Equity Debt Consolidation Loans
  • Commercial Loans
  • Cannabis Loans

Who We Are

Our Team of Mortgage Experts

David J. Robbins

David J. Robbins


Individual License LMB100017931/ LO55861/ NMLS 6176
Company NMLS 2106/MBR2785

(303) 482-2361

David J. Robbins is a distinguished Mortgage Professional based in Golden, Colorado. With 25 years of experience, I am one of the Greater Denver Area’s leading experts in mortgages. As the Principal of Golden Lenders, I have dedicated my career to helping my clients with a full spectrum of real estate needs, from the purchasing and refinancing of residential loans to the buying and selling of property.

Since entering the mortgage industry, I have excelled thanks to my in-depth knowledge of the many different kinds of home loans and my unparalleled commitment to delivering the best customer service. Known as an out-of-the-box thinker, I am customer-focused and I have a results-oriented approach to mortgages that has earned me a reputation as one of the most trusted professionals in the Denver area.

I thoroughly enjoy helping people through the “maze” of home ownership, and Golden Lender’s borrowers are well educated and kept up to date with the latest information on procuring a loan.

I am committed to my community as a mortgage professional, I have pioneered homeownership education for Military personnel and innovated Patriotic Home Benefits where I provide homebuyer education to Veterans. I am also is a member of the Elks Club and frequently volunteer my time at local schools and my church.


Ed Atkinson
Ed Atkinson

Loan Consultant

NMLS ID: 243180

(303) 810-6451

A loan consultant with boutique agency Golden Lenders in Golden, Colo., since 2019, I have more than 19 years of experience in real estate and consumer lending in the Greater Denver area. My expertise extends to all facets of the lending process, from loan application and pre-approval, through closing and funding, and I specialize in assisting first-time homebuyers with meeting down payment goals and helping them navigate the FHA Rehab Loan Program. My other areas of expertise include investment property, correspondent lending, in-house funding, and government programs.

I am a licensed Colorado State and National Mortgage Loan Consultant, and a long-term partner of my clients, helping them meet their goals. In fact, our first meeting begins with me asking what their goals are. Some people want to pay off their loan as fast as possible. For others, their priority is making the lowest mortgage payments possible. Some want to refinance, while others want to get into a new home. I present my clients with all of the options available in a simple way and explain how those options can help them achieve their goals.

I truly enjoy educating people, helping them and putting them at ease during what can be a stressful process, and I take great pride in knowing that my client list is made up of thousands of happy clients.

My passion for helping people extends beyond my career. I love to get out in the community, volunteering with Meals on Wheels and within the trail running community. I am also a longstanding member of Business Networking International’s Golden chapter.

When I’m not behind my desk, I love to get outside, running ultramarathons and trail running. I also spend many weekends adventure motorcycling through my amazing home state and beyond, often with the Denver BMW Motorcycle Club.

If you want to learn how I can help you get the home of our dreams, get your payments where you want them to be, or want to talk trail running and motorcycles, get in touch!

Carlos Banuelos
Carlos Banuelos

Loan Consultant

NMLS ID: 770100

(303) 482-2361

As a lifelong resident of the Denver area, I am pleased to say that I am professionally, financially, and emotionally invested in Denver. I am a licensed real estate agent and a licensed mortgage loan originator. I began my real estate career in 2012 and my mortgage career in 2017. I have extensive experience with all types of loans, estate properties and transactions- from first-time home purchases to investment and commercial property packages. I stand out in the world of real-estate and the mortgage word with a focus on detail, tireless commitment to client service, and a patient, educated and analytical approach to every transaction.

I truly believe that the relationship between a Professional and their clients should be a life-long one, and I will make sure I can be relied upon long after the deal is closed. I am always available, feel free to contact me anytime with any questions or comments, and I look forward to making your goals my own.

Larry Martinez
Larry Martinez

Loan Consultant

NMLS ID: 1531313

(719) 453-5698

Larry Martinez was a long-time native resident of Southern Colorado and now resides in the Denver area for little over two years. Larry has 3 amazing daughters Brooklyn, Jordyn, and Morgyn Martinez who are the highlight of his life.

After graduating from Florence High School, Larry attended Colby Community College for two years and then transferred to CSU of Pueblo to finished up his collegiate baseball career as well as his educational aspirations. While at CSU of Pueblo Larry earned his degree in Sociology with a minor in Psychology. Shortly after graduating Larry received his first teaching position at Canon City High School Teaching Special Education. After teaching for little over 7 years Larry got into the Mortgage business.

While in the mortgage business he was able to work with some prestigious companies’ along with highly effective real estate agents in and out of the real estate business. Which inspired his passion to get into the real estate business. This passion coupled with his knowledge in the mortgage business has
allowed Larry to serve his client’s needs in all aspects of the real estate home buying and selling process.

When not helping Northern Colorado home buyers/sellers, Larry is highly active in his daughter’s education and athletics involvements. when you don’t find Larry at an open houses or showing many properties to all of his loyal clients you can find him at numerous sporting events with his daughters or on the links playing a round of golf with family and friends.

Years in the Business

Experience matters. We'll guide you through the home buying process from start to finish.

Happy Clients

We've enjoyed serving our clients over the years. We're proud many come back for their next purchase.

Expert Lenders

We only employ mortgage consultants with deep expertise to serve our clients. Se habla Español.


“I’ve done several loans through Golden Lenders, had friends get loans through them, and my fiancé is about to get a loan through them as well. It’s nice to have a company you can trust in the mortgage business.”

Brent C.

Golden Lenders is very experienced with many options in the lending field and will be able to answer all your questions. They were there every time I needed help with pre-approval letters, payment details and every question I had. You can’t go wrong if you select Golden Lenders to help with your needs.

Stephie F.

Join Us

We’ve Built Our Business on Client Referrals

We truly enjoy working with our clients and helping them achieve their dream of homeownership. Whether you have a great credit, poor credit, or somewhere in between, we are your trusted source of home financing in Colorado, Florida, and California.

Contact Us

Contact Golden Lenders today for the mortgage help you need to turn your dream house into reality. We provide attentive customer service throughout the process of obtaining a loan for your new home. We serve clients across Colorado, Florida, and California.

Hours of Operation:
24 Hours a Day, 7 Days a Week


(303) 482-2361