Dave Pennington

Branch Manager

NMLS #304758


With 18+ years of experience as a Loan Advisor, David Pennington takes pride in providing his clients with exceptional service and accurate loan information to fit their personal financial needs. His business background and comprehensive mortgage experience enable him to educate and assist his clients in all aspects of the purchase or refinance of their properties throughout California.

His education and professional career have been exclusively focused on examining and understanding the financial industry. At the University of Wisconsin at Madison, David achieved a Bachelor of Business Administration in Real Estate and Urban Land Economics with a minor in International Business and German. He has worked as a direct lender, mortgage consultant and is a licensed Real Estate Broker. David’s experience includes working as a Client Services Representative at US Bancorp Investments where he perfected his customer service skills.

This extensive knowledge of the financial industry allows David to determine the best possible strategies and solutions for his clients. David is skilled at finding fast and affordable FHA, VA, conventional and jumbo financing. In addition, he has been honored for 8 years as a 5 Star Mortgage Professional by the San Diego Magazine. All of David’s clients are pleased with their loans, and he has a five-star rating on YELP praising his accessibility, communication and attention to detail. Dave is thankful for dedicated clients and agents. As his business is built entirely on referrals, Dave continues to ensure that all clients have a positive experience.

Client Wins

Family Values
Back on Track
Perseverance Pays Off
Not Just a Number



Phone: 619.994.9723

Fax: 866.793.7685

322 Encinitas Blvd., Suite 170

Encinitas, CA 92024

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