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
Excellent service and exceeds expectations. Highly recommend.
Reply from Owner
June 30th, 2026 01:21 PM
Thank you for your positive feedback, Nino. I'm happy to hear that the service exceeded your expectations and that you feel confident in recommending us. If there's anything else you need, just let me know.
Dave is a very thorough real estate professional and presented me with excellent options. The loan he acquired for me exceeded my expectations. Highly recommend.
Reply from Dave Pennington
June 2nd, 2026 04:20 PM
Thank you for your kind words, Nikola. I'm pleased to know that the options I presented met your expectations and that you're happy with the loan. If you have any questions or need further assistance, feel free to reach out.
Dave Pennington at CrossCountry Mortgage has received a review with 5 star rating from Steve B
Reply from Owner
July 2nd, 2026 06:59 PM
Thank you, Steve, for the 5-star rating. I'm pleased to know that you had a positive experience with CrossCountry Mortgage. If there's anything else I can assist you with, please let me know.
Made it easy, fast, responsive, and great flexibility for a more unique VA loan!
Reply from Dave Pennington
May 25th, 2026 07:09 PM
I'm glad to hear that the process was smooth and responsive for your unique VA loan, Steven. Flexibility is key in handling different situations, and I'm pleased it worked out well for you. If there's anything else you need, feel free to reach...
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Seriously the best! Was able to get me a loan quickly and a great rate. He definitely stays on top of it and makes the process very easy. I have recommended him several times and everyone has had a great experience!
Reply from Owner
June 30th, 2026 01:22 PM
Thank you, Shirah, for your kind words. I'm glad to hear that you found the process easy and were pleased with the loan and rate. I appreciate your recommendations, and I'm grateful that others have had great experiences as well.
Working with Dave was such a great experience! He is always on top of things, and does a good job explaining things when I have questions. He's a hard worker, and I can tell he's passionate about his work. Our situation was a-typical, and he...
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Reply from Owner
July 2nd, 2026 06:59 PM
Amber, I'm pleased to hear that you had a great experience working with me. It's important to me to provide clear explanations and effective solutions, especially in unique situations like yours. Your recommendation means a lot, and I'm here...
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Dave is super responsive and on top of things. He's good about explaining different things to those of us who are not in finance, to help us have a better understanding of what we're committing to. Seriously couldn't have had a better experience....
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Reply from Dave Pennington
May 8th, 2026 06:07 PM
I'm grateful for your kind words, Amber. It's important to me to ensure clear communication and understanding, especially for those not familiar with finance. I'm happy to hear you had a positive experience. If there's anything more you need,...
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Dave Pennington at CrossCountry Mortgage has received a review with 5 star rating from Michael P J
Reply from Owner
June 30th, 2026 01:22 PM
Thank you, Michael, for the great rating. I appreciate your support and am here if you need anything further.
Dave is amazing. Very communicative and knowledable. Two very important traits to have in our business. I apprecaite it very much working with such a professional
Reply from Dave Pennington
May 1st, 2026 06:18 PM
I really appreciate the feedback and am looking forward to working with you again.
Dave Pennington at CrossCountry Mortgage has received a review with 5 star rating from Michael P
Reply from Owner
July 7th, 2026 12:00 AM
Thank you, Michael, for the great rating. I appreciate your support and am here if you need anything further.
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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