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
Location & Business Hours
Business Hours
Tues
8:30 AM to 5 PM(Open now)
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM
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Reviews from Web
Dave is knowledgable, professional and communicates effectively.
Dave was exceptional! He helped us through every step of getting our loan approved and was able to answer all of our questions, even regarding our VA loan. He answered all of our texts, calls, and emails immediately no matter what time of day...
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Reply from Owner
July 9th, 2026 01:01 PM
Tom, I appreciate your detailed feedback and high recommendation. I'm glad I could assist you with your loan approval process and address all your questions, especially regarding your VA loan. Your satisfaction and confidence in my service...
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Dave Pennington at CrossCountry Mortgage has received a review with 5 star rating from Nravida
Reply from Owner
June 30th, 2026 01:20 PM
Thank you for the positive rating, nravida. I'm pleased to know that you had a good experience with me at CrossCountry Mortgage. If you ever need assistance in the future, please feel free to reach out.
Super helpful and responsive, well run business
Reply from Owner
June 30th, 2026 01:20 PM
Gregory, thank you for your positive feedback. I'm glad to hear that you found my service helpful and responsive. If there's anything else I can assist you with, please don't hesitate to reach out.
Responsive service, patient and supportI've, organized and proactive
Reply from Dave Pennington
July 6th, 2026 01:33 PM
Gregory, I'm grateful for your positive feedback. I'm pleased to know that you found my service responsive and supportive. If there's anything more I can do for you, please feel free to reach out.
From start to finish, Dave was top notch! Great communicator and smooth process on a VA loan. Highly recommend!
Reply from Dave Pennington
July 2nd, 2026 05:11 PM
Michelle, I appreciate your kind words and recommendation. I'm glad to hear that you found the communication and process smooth throughout your VA loan experience. If you ever need further assistance, please feel free to reach out.
We had an outstanding experience working with Dave throughout our homebuying journey.We were first connected with Dave back in 2021 when we began exploring the possibility of buying a home in San Diego. At the time, the market was incredibly...
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Reply from Dave Pennington
June 30th, 2026 07:37 PM
Annie, thank you for sharing your journey with me. I'm grateful for the opportunity to have supported you throughout your homebuying process, especially during such a competitive market. Knowing that my guidance and expertise helped you navigate...
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Dave was very helpful with all of our questions . The team was always available and the communication was great thank you
Reply from Dave Pennington
June 29th, 2026 04:32 PM
Rebecca, I appreciate your kind words. I'm glad to hear that you found my assistance helpful and that the team's communication met your expectations. If you have any more questions or need further assistance, please feel free to reach out.
Overall great experience. I'll definitely recommend anybody that is doing a refinance or a purchace. Their team is very helpful, responsive and professional.
Reply from Dave Pennington
June 17th, 2026 05:08 PM
Thank you, Eric, for sharing your experience. I'm glad to hear that you found our team helpful and responsive during your refinance or purchase process. Your recommendation means a lot to me.
This was our second time working with Dave and his team at CCM, and let me tell you: Dave is a master at his craft. He and his team are extremely well organized, detail-oriented, and helpful. They always ensure we know what we are agreeing...
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Reply from Owner
June 30th, 2026 01:21 PM
William, I'm so grateful for your continued trust and the positive feedback. It's wonderful to hear that you appreciate our organization and attention to detail. I'm pleased we could provide a reassuring experience for you. I look forward to...
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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