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
Working with Dave was truly a great experience. From the very beginning, he was kind, patient, and incredibly supportive, which made a big difference during the home-buying process. He explained everything clearly, always made time for my questions,...
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We have worked with Dave on all types of loans (first time home purchase, second home, investment properties). He really is the best. He is always responsive, he can deal with challenging situations and help navigate and problem solve, he kept...
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Dave Did a GREAT job!
Reply from Dave Pennington
December 8th, 2025 08:20 PM
I'm glad to hear you had a positive experience, Mark. If there's anything more I can assist you with, please don't hesitate to reach out.
It was so great to work with Dave. We first connected on a Sunday afternoon, and he was so thorough and prompt, especially considering that it was a weekend. He made sure we were well on our way to getting our loan under way, again, even on...
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It was so great to work with Dave. We first connected on a Sunday afternoon, and he was so thorough and prompt, especially considering that it was a weekend. He made sure we were well on our way to getting our loan under way, again, even on...
read more
Reply from Dave Pennington
November 28th, 2025 02:59 PM
Samantha, I'm pleased to hear that I could be helpful in your property purchase, especially given the competitive nature of the market. Being prompt and thorough, even on weekends, is something I strive for to ensure things move smoothly and...
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Dave Pennington at CrossCountry Mortgage has received a review with 5 star rating from Jeff D
Dave is great. However, once my loan was transferred to Shellpoint, the transition was not great. Shellpoint didn't communicate well and that left me wondering about our payment timing, etc. I would not recommend using Shellpoint in the future....
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Reply from Dave Pennington
November 18th, 2025 09:32 PM
Jeffrey, I appreciate your kind words about my service. I understand the challenges you faced during the transition to Shellpoint. Clear communication is important, and I'm sorry for any confusion you experienced regarding payment timing. If...
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Dave is an outstanding mortgage professional—sharp, responsive, and always ahead of the curve. He combines a systematic approach with creative solutions, ensuring his clients are positioned for success. His communication is top-notch, and he’s...
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Dave is an amazing lender with not only competitive rates, but an experience, Knowledge base, and systematic but creative approach that allows his clients to be best positioned for success. His attention to detail and reliability are unmatched....
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We used Dave Pennington to qualify for our mortgage loan. Dave was very helpful, responsive, and navigated us through the process at every step. We were qualified and purchased our home with Dave's help. Highly recommend.
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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