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 was so incredible. We were not slam dunk borrowers and he really went the extra mile for us. Very responsive and so knowledgeable. We wouldn’t think of going any where else for a mortgage loan.
Dave is so attentive and pays attention to details. He communicates very well. It's easy to reach him too!
Reply from Dave Pennington
November 5th, 2025 07:18 PM
It's great to hear that you found my approach attentive and detail-oriented, Janice. Communication is key, and I strive to be easily accessible for any questions or needs. If you need anything else, just let me know.
Dave is incredibly knowledgeable and truly honed in his craft. He approaches every situation with creativity and professionalism, always finding the best solution for his clients. Beyond his expertise, he’s simply an all-around great guy who...
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Dave is the best! He has helped me through several mortgages over the past 15 years. He is knowledgeable, caring, thorough, and very helpful. I highly recommend him! He makes it easy!
Dave has helped me with several mortgages over the years and he is the best!
Reply from Dave Pennington
October 15th, 2025 08:18 PM
Andrea, I appreciate you taking the time to share your thoughts. It's truly rewarding to know that I have been able to assist you over the years with your mortgages. If you need any further assistance in the future, please don't hesitate to...
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Excellent experience. Everything felt fluent and streamlined with a great rate and low fees. Dave was very helpful guiding us through the details as first-time buyers as well.
Dave Pennington at CrossCountry Mortgage has received a review with 5 star rating from Chris V
Excellent experience. Everything felt fluent and streamlined with a great rate and low fees. Dave was very helpful guiding us through the details as first time buyers as well.
Reply from Dave Pennington
October 13th, 2025 06:59 PM
Christopher, thank you for sharing your experience. I'm glad to hear that the process felt smooth and that you were comfortable with the rate and fees. Guiding first-time buyers through the details is something I focus on, so I’m pleased that...
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This was hands down the best mortgage experience I have ever had. Dave is clear, efficient, and organized. I have never been in a situation where I didn’t have to provide the underwriter with a single piece of extra documentation. And he is...
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I don’t normally leave reviews but Dave and his team so impressed me I wanted to be sure someone who was looking for a home loan knew where to go.The experience I had with Dave was above and beyond. Efficient, attentive and an extremely good...
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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