Dave Pennington
- Branch Manager
- Encinitas, CA Mortgage Loan Officer
- NMLS #304758
I’ll be with you every step of the way
Hi, I’m Dave. With over 18 years of experience as a Loan Advisor at our Encinitas, CA branch at America’s #1 Retail Mortgage Lender, I take pride in providing clients with exceptional service and accurate loan information to fit their personal financial needs. My background and comprehensive mortgage experience enable me to educate and assist you in all aspects of purchasing or refinancing properties throughout California.
I’ve worked as a direct lender, mortgage consultant, and as a real estate broker. This extensive knowledge allows me to determine the best possible strategies and solutions for my clients, including FHA, VA, conventional, and jumbo financing.
I’ve been honored for 8 years as a 5 Star Mortgage Professional by San Diego Magazine, and my clients appreciate my accessibility, communication, and attention to detail. As my business is built on referrals, I strive to ensure that all clients have a positive and successful experience.






Guides and resources
How much will my mortgage payment be?
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