History of Zenith

Zenith has taken a different approach to mortgage lending. An approach that allows for employees to have a voice as they adhere to the “lead up” philosophy.

About Us

Zenith is not trying to become the “World’s Biggest Mortgage Company”, where people eventually became interchangeable cogs in the machine, and layoffs and downsizing are part of the culture.


At Zenith Home Loans we are in love with the American Dream of homeownership. We are in love with the work we do, the families we do it for, and the people we get to work with every day. We plan to look back at our careers and say with pride, “I helped build one of the best companies in America!” If that sounds like you, then we should meet.

Story Of Zenith

Zenith Home Loans is an agency-direct mortgage lender through a joint venture partnership with V.I.P. Mortgage - a $2 billion mortgage lender, based in Scottsdale, Arizona. Zenith offers an extensive array of loan products and delivers a world-class loan experience for its loan officers and staff, it’s referral partners and their clients.

The founder and current co-owner, Dave Gallegos, is a second-generation Denver native and graduate of Mullen High School and Regis University. Dave started in the mortgage industry in 1997 and quickly became a top producer at each company he worked. By early 2000 he knew he had to start his own company so that he could provide the level of excellent customer service he was taught by his father, Don Gallegos, former President of King Soopers.

The company he started in 2000 evolved from a 3-person broker shop into a correspondent lender operating as a “Net Branch” for just 3 different organizations between 2002 and 2018. Over the last 10 years Dave’s group was recognized for reaching 7th in Production nationally and 1st in operating efficiency out of 108 branches, before leaving Fairway in early 2014. Between 2014 and 2018 they were 1st in volume and operations efficiency for a Midwest regional lender, Hallmark Home Mortgage.


The culture of a company starts from the top. What you won’t find at Zenith is a company that pays “lip service” to culture, to mission statements and core values. We live them out here and we talk about them every day. In fact, everyone’s job performance is evaluated based on living out the mission, purpose and values.

Our Mission is to Build an Enduring World Class Mortgage Banking Company.

Our Purpose is to have a profoundly positive impact on people’s lives; the people that work here and the clients and partners we serve in our community.

We do that by living out these Core Values:

●    Perform with Excellence

●    Respect and Serve Others

●    Strive to Grow Personally and Professionally

●    The “Set of your Sail” – Attitude

Dave and the entire team take pride in inspiring each other to be the best they can be!