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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Business Hours
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8:30 AM to 5 PM
Fri
8:30 AM to 5 PM
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closed
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Reviews from Web
Dave and his team were excellent partners helping guide us through our recent home purchase. They were thoughtful, attentive, and were constantly ahead of the game with any document requests. They made sure our house closed on time and that...
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Reply from Owner
November 11th, 2026 03:01 PM
I'm glad to hear that you had a great experience, Steve! It was a pleasure to help guide you through your home purchase, and I'm pleased that my team at CrossCountry Mortgage was able to make the process smooth and understandable for you.
Dave Pennington at CrossCountry Mortgage has received a review with 4 star rating from Lazaro R
Reply from Owner
October 26th, 2026 06:02 PM
Lazaro, thank you for your positive rating. I'm glad to have been part of your experience with CrossCountry Mortgage, LLC.
Dave was great guy and professional
Reply from Dave Pennington
October 26th, 2026 04:14 PM
Lazaro, I appreciate your kind words and am happy to know you found me professional during our interactions. At CrossCountry Mortgage, LLC, ensuring a positive experience is important to me.
Dave and his team take pride in their work, which is reflected in the care and dedication provided during the home purchase process. The team communicated quickly and efficiently, and explained the steps when I had questions. I also appreciate...
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Reply from Owner
October 12th, 2026 03:00 PM
Ben, I'm grateful for your thoughtful feedback and pleased to know that my team and I at CrossCountry Mortgage, LLC could assist you effectively during your first home purchase. Your recognition of our communication and attention to detail...
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Dave was fantastic at communicating the steps of the loan process and I felt like he and the team worked quickly and diligently to get the loan processed.
Reply from Dave Pennington
October 9th, 2026 06:39 PM
Benjamin, I'm happy to know that you felt well-informed throughout the loan process and that the team at CrossCountry Mortgage, LLC and I were able to work efficiently for you. Your feedback is greatly appreciated.
Dave was very communicative and did what he said he would. He also performed like he said he would.
Thanks Dave!
Reply from Dave Pennington
October 8th, 2026 01:52 PM
Kathryn, I appreciate your kind words and am glad to hear that my communication and follow-through met your expectations. At CrossCountry Mortgage, LLC, ensuring a smooth process for you is always my goal. Thank you for your feedback!
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.
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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