Our experts answer readers' home-buying questions and write unbiased product reviews (here's how we assess mortgages). In some cases, we receive a commission from our partners; however, our opinions are our own.
About CrossCountry Mortgage
CrossCountry Mortgage offers a variety of different types of mortgages, including:
- Conforming loans
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Manufactured home loans
- Reverse mortgages
- Conventional and FHA 203(k) renovation loans
- Streamline refinances on all of its government-backed loans
- Buydown options on its fixed-rate conventional and government-backed mortgages, which let you temporarily reduce your rate for the first one to three years of your mortgage
- Non-QM loans, including bank statement loans and DSCR mortgages for property investors
- Home equity loans
- HELOCs
CrossCountry also offers a few different ways for borrowers to get down payment or closing cost help. Its CCM Smart Start program offers up to $4,000 in down payment assistance for low-to-middle income first-time homebuyers. The CCM Community Promise will give $6,500 for a down payment to borrowers in eligible census tracts in Chicago, Detroit, Philadelphia, Atlanta, Baltimore, and Memphis.
CrossCountry Mortgage also offers Freddie Mac's BorrowSmart Access program, which gives first-time homebuyers who meet income limits up to $4,000 in down payment or closing cost assistance.
CrossCountry Mortgage lends in all 50 states. You can get started with this lender online or over the phone. You can also use its "find a loan officer" search tool to find a loan officer or branch near you.
Is CrossCountry Mortgage Trustworthy?
CrossCountry Mortgage has an A+ rating from the Better Business Bureau.
A strong BBB grade indicates a company advertises honestly, responds effectively to customer complaints, and is transparent about business practices.
In J.D. Power's 2021 mortgage originator study, CrossCountry Mortgage was ranked No. 4 in customer satisfaction. But in its 2022 study, CrossCountry dropped in rankings quite a bit, and now ranks below the industry average.
However, the lender currently has a 4.97 out of 5 stars on its Zillow lender profile, based on over 19,000 online customer reviews. So even though it ranked low according to J.D. Power, its customer reviews indicate that you may still have a positive experience with this lender.
CrossCountry Mortgage Interest Rates and Fees
CrossCountry Mortgage doesn't display customized or sample rates online, which makes it hard for potential borrowers to gauge how much they might pay with this lender.
Most mortgage lenders charge lender fees as part of your closing costs. These fees are what you pay for the lender to do the work of originating and underwriting your loan. CrossCountry's lender fees vary by state and branch, but are typically around $895, according to a spokesperson.
In 2022, the average borrower who got a conventional mortgage from CrossCountry Mortgage paid $4,437 in origination charges, according to Home Mortgage Disclosure Act data. This is around average compared to other mortgage lenders.
CrossCountry Mortgage: Overall Rating
| Feature | Insider rating (out of 5) |
| Loan types | 4.5 |
| Affordability | 5 |
| Customer satisfaction | 2.99 |
| Trustworthiness | 5 |
| Total | 4.37 |
CrossCountry Mortgage: Pros and Cons
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CrossCountry Mortgage FAQ
Yes, CrossCountry Mortgage is a legitimate mortgage lender that's been in business for two decades. It has an A+ rating from the BBB.
CrossCountry Mortgage does service mortgages in addition to originating them, so it's possible you'll continue to work with this lender after closing and make your payments to CrossCountry. But even though many lenders service their own loans, they don't necessarily service all of their loans, so yours still could be sold to a different servicer after closing. You can ask your loan officer to find out what might happen to your mortgage after you close.
CrossCountry Mortgage is a strong lender overall, offering a variety of mortgage options and the ability to apply using non-traditional credit.
But whether it's the right lender for you depends on your needs and budget. It's generally a good idea to get preapproved with at least two or three different lenders so you can compare options and costs to find the best deal available to you.
Ronald Leonhardt, Jr. is the founder and CEO of CrossCountry Mortgage.
CrossCountry Mortgage was founded in 2003.
Yes, CrossCountry mortgage is a direct lender. This means you'll get a mortgage by working directly with a loan officer from this lender, rather than through a mortgage broker.
How CrossCountry Mortgage Compares
CrossCountry Mortgage vs. Rocket Mortgage
Rocket Mortgage may be a good option if you value strong customer service. In J.D. Power's 2022 study, Rocket Mortgage ranked No. 1, while CrossCountry Mortgage ranked below the industry average. However, CrossCountry has a lot of positive customer reviews online, so you may have a good experience with either lender.
Rocket Mortgage is one of the best mortgage refinance lenders in the country.
Rocket has fewer mortgage options than CrossCountry and doesn't accept non-traditional credit in lieu of a credit score. But both lenders are solid options depending on your needs.
CrossCountry Mortgage vs. Guild Mortgage
Guild Mortgage is one of the best mortgage lenders for first-time buyers. It also offers a wide variety of loan types and accepts non-traditional credit from first-time homebuyers who have no credit score through its Complete Rate program.
To get a conforming mortgage with Guild, you'll need a score of at least 620. CrossCountry Mortgage doesn't have a set minimum score.
Guild and CrossCountry are very similar, so it may be worth it to get preapproved with both lenders if they both have options that meet your needs. Then, you can compare rates to see who offers the better deal.
Why You Should Trust Us: How We Reviewed CrossCountry Mortgage
To review CrossCountry Mortgage, we used our methodology for reviewing mortgage lenders.
We look at four factors — loan types, affordability, customer satisfaction, and trustworthiness — and give each a rating between 1 and 5, then average these individual ratings for the overall lender rating. Lenders get higher ratings if they offer a high number of loan types with affordable features, have positive customer reviews, and don't have any recent public controversies.