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
Dave just closed a loan that most lenders would have thought impossible. He stayed at the problem until the problem gave up. Dave is extremely competent and an excellent communicator. I will continue to send referrals to him as well as my own...
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Reply from Owner
July 2nd, 2026 07:00 PM
Don, thank you for your trust and support. I'm pleased to hear that you found my persistence and communication effective in closing your loan. Your referrals and continued business are greatly appreciated. If there's ever anything more I can...
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Fast and efficient process, great customer service
Reply from Dave Pennington
February 16th, 2026 09:39 PM
I'm glad to hear that you found the process fast and efficient, David. Providing great customer service is a priority for me, and it's satisfying to know that it contributed positively to your experience. If there are any more ways I can assist...
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We continue to have GREAT experiences when working with Dave regarding our home financial needs. The process is well explained and processed quickly. We refer our family and friends to Dave when they are planning a purchase or refinance and...
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Reply from Owner
June 30th, 2026 01:24 PM
I'm grateful for your continued trust, Janet. It's wonderful to know that the process has been clear and efficient for you. Your referrals are greatly appreciated, and I'm always here to assist with any of your home financial needs.
When contacting Dave regarding refinancing our home, he was quick to provide us with responses to our questions. The steps of the process were explained clearly and with options for us. We will be sure to use Dave for our future finance needs...
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Reply from Dave Pennington
February 16th, 2026 04:25 PM
I'm grateful for your trust in selecting me for your refinancing journey, Janet. It's important to me that the process is clear and you feel well-informed every step of the way. Hearing about the positive experiences you've had reaffirms my...
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We've used Dave twice now, once in California and once in Kansas. Both times he's be excellent at communicating with us and worked hard to get us a lower rate.
We came in with a "Hard Nut to Crack" type home mortgage refinance situation. We also had issues with a PACE loan. We have used David's mortgage company many years back, but lost contact. My wife remembered the great service he gave us years...
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Reply from Dave Pennington
February 2nd, 2026 03:04 PM
Ricky, I'm glad you reached out again for your refinance needs. Taking on a challenging situation and being able to deliver on what I promised is something I strive for, and it's rewarding to hear that your experience was satisfying enough...
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Shout out to Dave Pennington who cleared my Veteran qualification from a past mortgage and accomplished the steps to get me qualified for a new VA loan.Dave kept me up to date on a daily basis as to what was needed, and informed me on the changes...
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Reply from Owner
June 30th, 2026 01:24 PM
Michael, I'm grateful for your kind words. It's great to hear that you felt well-informed throughout the process and that I could assist with your VA loan qualification. I'm pleased you had a positive experience and look forward to helping...
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I trust Dave Pendleton from a previous encounter on buying another house earlier before the one I'm in now so that's why I contacted him on the second house that we're in thanks a lot happy holidays from Gwen and jerry
Reply from Dave Pennington
December 30th, 2025 06:33 PM
Thank you for reaching out, Gerald. I'm pleased to hear that your prior experience with me was positive enough to trust me with your current home purchase. It’s always rewarding to assist returning clients. If you have any further questions...
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Dave communicates better than anyone I've ever met. He gets ahead of everything and makes the process simple and easy.
Reply from Dave Pennington
December 29th, 2025 09:58 PM
I appreciate your kind words, Stephen. I'm glad to know that my communication style made the process straightforward and easy for you. If there's anything further you need assistance with, please feel free to reach out.
Dave is a great communicator . He made everything simple and painless efficient and a great result.
Reply from Dave Pennington
December 26th, 2025 09:48 PM
John, thank you for sharing your experience. Making the process simple and efficient is always my goal, and I'm glad to hear it resulted in a positive outcome for you. If there's anything more I can help with, please don't hesitate to get in...
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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