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
Wed
8:30 AM to 5 PM
Thu
8:30 AM to 5 PM
Fri
8:30 AM to 5 PM(Open now)
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Reviews from Web
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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Dave and CrossCountry Mortgage were amazing throughout our entire escrow process-extremely friendly, helpful, kind, responsive, and knowledgeable! We couldn’t have asked for a better lender to walk us through buying a home!
Reply from Owner
July 30th, 2026 08:02 PM
Allison, I'm grateful for your kind words and am pleased to hear that you found our team friendly, helpful, and knowledgeable during your escrow process. It was a pleasure assisting you with your home buying journey. If you have any further...
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Dave has been helping our family for the last 5 years. He was diligent in all of our questions.We were uncertain of the route we wanted to take and his patience with us was so appreciated.When we did finally find a place,we had a 14 day close...
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Reply from Owner
July 27th, 2026 04:53 PM
Frank, I truly appreciate your kind words and the trust you've placed in me over the years. I'm glad to hear that everything went smoothly with your recent closing, even across continents. It's been a pleasure working with your family, and...
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Dave was a great communicator and very thorough. He was very responsive via text, email or phone calls whenever we had questions regarding our client. We will recommend and use his services again in the future!
Reply from Owner
July 24th, 2026 08:27 PM
Kristen, I appreciate your kind words and am glad to hear you found my communication thorough and responsive. I'm pleased that you're considering recommending and using my services again. If there's anything else you need, feel free to reach...
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Dave was an excellent communicator and very thorough. He was responsive in all forms of communication via text, email or phone calls when we had questions regarding our client. We enjoyed working with him and would definitely refer Dave!
Reply from Dave Pennington
July 23rd, 2026 07:29 PM
Kristen, thank you so much for your feedback. I'm grateful you enjoyed working with me and found my communication thorough and responsive. If there's anything else I can assist you with, please feel free to reach out.
Dave was always available to explain the process, update me on rates, explain documents, and triage between realtors and escrow. Pleasant, matter of fact person willing to help my family to achieve this loan. Thanks Dave!!
Reply from Dave Pennington
July 23rd, 2026 07:23 PM
Javier, thank you for sharing your experience. I'm happy to have been able to assist with the loan process and provide the support you needed. If you have any more questions or need further assistance, please don't hesitate to reach out.
Dave is knowledgable, professional and communicates effectively.
Reply from Dave Pennington
July 20th, 2026 04:13 PM
Roy, thank you for your kind words. I'm pleased to hear that you found my communication and professionalism helpful. If there's anything else I can assist you with, please let me know.
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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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