Top 5%
Dave Pennington at CrossCountry Mortgage
Branch Manager | NMLS #304758
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Encinitas, CA. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner conside... Show More
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Reviews from Web
Dave and his team did an amazing job. They answered all of our questions, great communicators and worked quickly. It made the home buying process less scary and so smooth. Would definitely recommend them!
Reply from Owner
September 3rd, 2026 02:11 PM
Jenny, I'm pleased to hear that my team and I could help make the home buying process less daunting for you. Your recommendation means a lot, and we're grateful for your kind words about our communication and efficiency. Thank you for sharing...
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Dave and his team did an amazing job. They answered all of our questions, great communicators and worked quickly. It made the home buying process less scary and so smooth. Would definitely recommend them!
Reply from Dave Pennington
September 2nd, 2026 05:15 PM
Jennifer, I'm glad to hear that my team and I could make the home buying process smoother for you. It's great to know that our communication and responsiveness helped ease your concerns. Thank you for your kind recommendation!
David stayed on task and saw this transaction through. His attention to every detail was Epic.
Reply from Dave Pennington at CrossCountry Mor...
August 31st, 2026 08:28 PM
Tom, I'm grateful for your kind words. It's good to know that my attention to detail made a positive impact on your transaction. Thank you for acknowledging my efforts.
Communicative and collaborative.
Reply from Dave Pennington at CrossCountry Mor...
August 31st, 2026 05:17 PM
Melinda, I appreciate your kind words about the communication and collaboration you experienced. It's great to know that my approach met your expectations.
As first time home buyers Dave was a great fit. He took the time to explain everything and was very available to answer any questions. Dave has been very professional and efficient throughout the process and worked hard to find a solution that...
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Reply from Owner
August 13th, 2026 07:22 PM
Alex, I'm pleased to know that I could support you as a first-time homebuyer and that you found my explanations helpful. It's great to hear that my availability and professionalism met your needs. Thank you for your recommendation, and I look...
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As first time home buyers Dave was a great fit. He took the time to explain everything and was very available to answer any questions. Dave has been very professional and efficient thoughout the process and worked hard to find a solution that...
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Reply from Dave Pennington
August 13th, 2026 08:37 PM
Vivien, I'm happy to know that I could assist you as a first-time homebuyer and that my efforts to provide clear explanations were helpful. It's nice to hear you found my approach professional and efficient. Thank you for recommending my services,...
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Dave and his team were Awesome! They were helpful and professional at every step of the way. He offered clear options and the communication was great. We had some challenges with scheduling, and he was able to meet all of the deadlines with...
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Reply from Owner
August 11th, 2026 07:03 PM
Rebecca, I'm grateful for your kind words about my team and me. It's great to hear that you found our communication clear and that we could meet your scheduling needs. I appreciate your recommendation and look forward to assisting you with...
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I had a great experience working with Dave Pennington for both purchasing my home and later refinancing it. He was always available to answer questions, provided clear guidance throughout the process, and made everything much less stressful...
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Reply from Owner
August 8th, 2026 11:33 AM
Afsaneh, I'm so glad to hear that you had a great experience working with me for both your home purchase and refinancing. It's important to me that my clients feel supported and informed throughout the process, and I'm pleased that my communication...
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Our mortgage lender made the entire process smooth and stress-free from start to finish. They were knowledgeable, responsive, and always took the time to answer our questions, keeping us informed every step of the way. We truly appreciated...
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Reply from Dave Pennington
August 5th, 2026 03:16 PM
Brandi, I appreciate your kind words and am pleased to hear that you found the process smooth and stress-free. Keeping you informed and answering your questions is always a priority for me. Thank you for recommending me as a trustworthy lender!...
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Dave is the best there is. As an escrow officer, it was a super easy decision to choose Dave as my lender for my purchase. I've worked with numerous lenders and Dave has always been a standout. He guides his clients every step of the way and...
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Reply from Owner
July 31st, 2026 04:15 PM
Brittney, I'm grateful for your kind words and pleased to know that you found working with me to be a standout experience. It's wonderful that we could close almost two weeks early on your purchase. If you ever need anything else, don't hesitate...
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About
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Encinitas, CA. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I’ll give you a transparent process with clear communication and expert advice every step of the way. Together, we’ll bring your homeownership dreams to life. NMLS #304758 | Branch NMLS #2338410
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Specialities
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Adjustable-Rate Mortgages (ARMs)
Fixed-Rate Mortgages
Reverse Mortgages
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Year Started
2003
Time Zone
Pacific Standard Time (PST)
Licenses
- 304758
Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095