CrossCountry Mortgage

CrossCountry Mortgage Reviews

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About CrossCountry Mortgage

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CrossCountry Mortgage (NMLS #3029) is a full-service mortgage lender that offers conforming conventional, FHA, USDA, VA and jumbo loans. Founded in 2003, the company is headquartered in Brecksville, Ohio, and provides loans to borrowers in all 50 states. You can apply for a mortgage online or by calling a loan advisor in your state.

    Pros & Cons

    • Available nationwide
    • Experienced VA loan lender
    • 100% online application
    • Higher-than-average credit minimums for FHA loans
    • Limited fee information online


    CrossCountry Mortgage does not publish its starting rates on its website. However, in 2021, the company’s average home purchase rate was 0.07% higher than the national average.

    CrossCountry Mortgage offers both fixed-rate and adjustable-rate mortgages (ARMs). Most borrowers prefer fixed-rate mortgages because the interest rate won’t change, which means stable monthly payments.

    However, you may consider an ARM if you’re fairly certain you’ll sell your home in a few years. ARMs usually offer a low rate for a short period of time, like five years, so you could take advantage of the interest savings for that time.

    CrossCountry Mortgage states its most common ARMs are 3/1, 5/1, 7/1 and 10/1. With a 3/1 ARM, for instance, you’ll have a fixed rate for three years, then the rate will reset and change every year after that. Before you decide on an ARM, consult with a loan advisor about your situation.

    CrossCountry Mortgage average home purchase rate vs. national average

    Information pulled from public Home Mortgage Disclosure Act data. Rates reflect noncommercial home purchase loans only.

    Application process

    You can complete an application directly on the company’s website or by calling a loan officer in your area (the company provides a search tool to access contact information). CrossCountry Mortgage uses technology from Blend, a digital lending platform, for its online applications.

    You’ll start by answering questions about the loan’s purpose (purchase or refinance). You’ll also input your demographic and financial information. It may be helpful to have the following documents handy as you complete the application: the prior year’s tax returns, W-2s, recent bank account statements and retirement account statements. The company may require you to upload these documents to the portal.

    CrossCountry Mortgage will also ask for your Social Security number and authorization to pull a credit report. The company uses credit information to determine your loan eligibility and amount.

    Once you submit your application, a loan officer should reach out to finalize the details and give you a timeline for a preapproval decision. CrossCountry Mortgage promises most loan closings in 21 days or fewer.

    CrossCountry Mortgage application features

    Loan types

    CrossCountry Mortgage offers several loan options, including conventional (with fixed or adjustable rates), FHA, VA, USDA and jumbo loans. Loan terms range from 10 to 30 years. You can also refinance your existing mortgage with CrossCountry, whether it’s a conventional, FHA, VA or USDA loan. The company also offers reverse mortgages for borrowers 62 and older.

    CrossCountry Mortgage also provides a selection of renovation loans, including FHA 203(k), VA Renovation, Fannie Mae HomeStyle and Freddie Mac Choice Renovation loans. Some of these options have low or no down payment requirements.

    For the past three years, CrossCountry Mortgage has seen a notable increase in home purchase applications. In 2021, 109,222 home purchase applications were submitted to the company. Only 2% (2,547) of these were denied, which is a lower denial rate than the industry average (about 8%). About 78% (85,061) of these loans were closed.

    Loan applications for home purchases only by year

    Information pulled from public Home Mortgage Disclosure Act data. Includes conventional, USDA, VA and FHA mortgages.


    In 2021, CrossCountry Mortgage specialized in originating home purchase loans — about 59% of its loans that year were for home purchase, compared with about 40% for refinancing (with refinance and cash-out refinances combined).

    In 2020 and 2021, many mortgage lenders saw an increase in refinancing applications. Interest rates fell to all-time lows, so borrowers reacted by refinancing their existing mortgages and locking in lower rates.

    Since late 2021, rates have continued to rise. As of publishing, the average 30-year fixed rate is 5.89%, compared with 2.88% in 2021. As rates continue to increase, fewer borrowers are expected to refinance.

    Home purchase vs. refinance loans by year

    Information pulled from public Home Mortgage Disclosure Act Data. Includes conventional, USDA, VA and FHA mortgages.

    HELOC and home equity loans

    CrossCountry Mortgage offers HELOCs but does not offer home equity loans. The company does not disclose the details of its HELOC, like the draw period, repayment period or interest rate. However, most HELOCs have draw periods of five or ten years and subsequent repayment periods of 10 to 20 years. HELOCs generally carry variable interest rates.

    You may explore a HELOC if you want consistent access to cash but aren’t sure how much you’ll need. However, a home equity loan may be a better option if you know how much a project or large expense might cost. Home equity loans have fixed interest rates, so your monthly payment won’t change. You could use the funds for all kinds of purposes, including home improvement projects or debt consolidation.


    CrossCountry Mortgage discloses most of its borrower requirements on its website. While it doesn’t state a minimum credit score for a conventional loan, most lenders today require at least a 620, and you’ll need to offer at least a 3% down payment.

    CrossCountry Mortgage’s credit score requirement for FHA loans is 580 (its VA loans have the same credit requirement) rather than the typical 500. The minimum down payment for its FHA loans is 3.5%. Both VA and USDA loans have no down payment requirements, so you could qualify for 100% financing.

    National mortgage requirements by type

    For other loan types, read our guides on jumbo loans and reverse mortgages.

    Costs and fees

    CrossCountry Mortgage doesn’t list its lender fees. You may pay an origination fee, which is assessed as either a flat fee or a percent of the loan amount (usually between 0.5% and 1%). Most lenders today incorporate other costs into the origination fee, like application, processing and underwriting fees.

    Lender fees are included in closing costs, which can total around 2% to 5% of the loan amount. Other closing costs include prepaid items (e.g., mortgage insurance premiums and real estate taxes) and third-party service fees (e.g., home appraisal and attorney’s fees).

    After you’ve been approved, you’ll receive a Loan Estimate, which gives you an idea of how much closing costs will be. Keep in mind that this is just an estimate and actual costs could vary slightly. You’ll also receive Closing Disclosures three days before the closing, which finalize those costs.


    What is CrossCountry Mortgage?

    CrossCountry Mortgage is a full-service mortgage lender that serves borrowers looking for conventional, FHA, VA, USDA and jumbo loans. You can also refinance your existing mortgage or get a renovation loan with the company. You can apply online or by contacting a loan advisor in your area.

    Is CrossCountry Mortgage legit?

    CrossCountry Mortgage is an experienced mortgage lender founded in 2003. Although the company specializes in originating conventional loans, it was one of the top 20 VA lenders by origination volume in 2021. In total, CrossCountry Mortgage closed over $52.3 billion in loans last year.

    Where is CrossCountry Mortgage available?

    CrossCountry Mortgage is licensed in all 50 states. It has more than 600 branches across 47 states, according to the company’s website.

    CrossCountry Mortgage Reviews

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      How do I know I can trust these reviews about CrossCountry Mortgage?
      • 4,466,033 reviews on ConsumerAffairs are verified.
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      • We use intelligent software that helps us maintain the integrity of reviews.
      • Our moderators read all reviews to verify quality and helpfulness.
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      Customer ServiceStaffLoan Process

      Reviewed March 18, 2024

      I have had Cross Country for about 2 years with multiple issues taking place.

      1. They were sending the mortgage bill to the tenants and they were sending it back or throwing it away. Several months we would get a copy, check the box for "change of address" and send off. Would never get fixed. We were then told that we need to fill out a form and fax it, which we did. Still no fix. Took getting on with a supervisor and ensuring her I had everyone's name I had talked to and threatening legal action to get it fixed.

      2. They were sending wrong amounts to the local taxing authority and sending double payments. In speaking with the tax collector, he stated that it has been a nightmare dealing with Cross Country. At that time, I canceled the escrow and have paid the taxes and insurance on my own for over a year.

      3. My loan was "sold" from Cross Country Mortgage to Cross Country LLC. in February. When I sent in the February payment, I sent a substantial extra and clearly marked the slip with Extra Principal. I got a notice from the "new " servicer that I was behind on my escrow and they took a large sum of the money ($1295) marked for principal and opened an escrow account, also my payments would be going up by 323 dollars a month to account for the minimum balance needed.

      4. Since the sale of my loan there is no way to get through to an actual person. I had to put in a complaint to BBB, who forwarded it to corporate. They called and patched me through to a rep who was of no help.

      5. MY wife asked for a payoff quote via my wife's email, for which we were charged 25 dollars. That email never arrived (Yes, I checked the SPAM folder). The rep also tried sending to mine while I was on with her. Again, no email has come through.

      This company is a total sham. I will tell anyone to run from them as fast as they can.

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        ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page . Specific sources for this article include:
        1. CrossCountry Mortgage, “ About Us .” Accessed September 13, 2022.
        2. Department of Veterans Affairs (VA), “ Lender Statistics .” Accessed September 13, 2022.
        3. OriginationData, “ CrossCountry Mortgage .” Accessed September 13, 2022.
        4. CrossCountry Mortgage, “ Adjustable Rate Mortgages (ARMs) .” Accessed September 13, 2022.
        5. NMLS Consumer Access, “ CrossCountry Mortgage .” Accessed September 13, 2022.
        6. CrossCountry Mortgage, “ Is it possible to lock a rate BEFORE the client finds a house? .” Accessed September 13, 2022.
        7. CrossCountry Mortgage, “ Understanding How the Mortgage Process Works .” Accessed September 13, 2022.
        8. CrossCountry Mortgage, “ Home Purchase FAQs .” Accessed September 13, 2022.
        9. CrossCountry Mortgage, “ Home Loan Types .” Accessed September 13, 2022.
        10. CrossCountry Mortgage, “ Loan Types and Terms .” Accessed September 13, 2022.
        11. CrossCountry Mortgage, “ Home Renovation and Improvement Loans .” Accessed September 13, 2022.
        12. CrossCountry Mortgage, “ CCM Renovation Guide .” Accessed September 13, 2022.

        CrossCountry Mortgage Company Information

        Company Name:
        CrossCountry Mortgage