---
canonical_url: https://lendb.ai/lo/dave-pennington-304758
json_url: https://lendb.ai/lo/dave-pennington-304758.json
nmls_id: 304758
last_verified: 2026-10-09
---

# Dave Pennington

Branch Manager at CrossCountry Mortgage, Encinitas, CA. NMLS ID 304758 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/304758)).

**Summary:** Dave Pennington (NMLS 304758) is Branch Manager at CrossCountry Mortgage, based in Encinitas, CA. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan. States 18 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 18 (source: https://crosscountrymortgage.com/encinitas-ca-8071/david-pennington/, verified 2026-10-09)
- Licensed in: California (CA, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/encinitas-ca-8071/david-pennington/

## About

Dave has over 18 years of mortgage experience at CrossCountry Mortgage's Encinitas branch, with background in direct lending, mortgage consulting, and real estate. He's honored as a 5-Star Mortgage Professional for 8 years by San Diego Magazine.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 18. Source: https://crosscountrymortgage.com/encinitas-ca-8071/david-pennington/, verified 2026-10-09.
- role: direct lender, mortgage consultant, and real estate broker. Source: https://crosscountrymortgage.com/encinitas-ca-8071/david-pennington/, verified 2026-10-09.
- service_area: California. Source: https://crosscountrymortgage.com/encinitas-ca-8071/david-pennington/, verified 2026-10-09.
- credential: 5 Star Mortgage Professional (8 years). Source: https://crosscountrymortgage.com/encinitas-ca-8071/david-pennington/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Encinitas, CA. Source: https://crosscountrymortgage.com/encinitas-ca-8071/david-pennington/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/304758

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/encinitas-ca-8071/david-pennington/
- Email on file: shown at https://lendb.ai/lo/dave-pennington-304758#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/304758
- lender_site: https://crosscountrymortgage.com/encinitas-ca-8071/david-pennington/

Cite as: Dave Pennington (NMLS 304758), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/dave-pennington-304758, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._