Cross Country Mortgage Reviews matter if you’re shopping for a mortgage. In this Cross Country Mortgage Reviews article, I want to walk you through everything I’ve learned, from how the company works, to loan options, to whether it’s a good lender for your needs.
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About CrossCountry Mortgage – Company Background
History and national presence
CrossCountry Mortgage began in 2003 and is based in Cleveland, Ohio. They’ve grown big: they’re now a top‑10 retail mortgage lender in the U.S., with over 500–700 branches across all 50 states.
They’re not a bank, they’re a non‑bank direct lender focused only on home loans. That gives them a sharp focus, but also means customer experiences can vary by region.
Core values and organizational mission
CrossCountry brands itself as “dedicated to getting it done,” offering efficient closings, personal loan officers, and help for buyers who might not fit the traditional mold. They emphasize speed (with approval-to-close timelines as fast as ten days via FastTrack) and flexibility especially for people with self‑employment or non‑traditional credit profiles.
Loan Products Offered by CrossCountry Mortgage
Conventional loans (purchase & refinance)
You can choose standard fixed‑rate or adjustable‑rate mortgages if you’re buying or refinancing. They offer down‑payment options as low as 3% for conventional loans
That makes them accessible, especially if you’re putting less down.
FHA, VA, USDA, jumbo, renovation, reverse, HELOC, non‑QM
CrossCountry covers almost every kind of mortgage out there:
- FHA loans accept credit scores as low as 580 (sometimes 500 with larger down payment)
- VA loans also accept 500 credit score minimum, and no down payment
- USDA loans typically let you borrow with no down payment and require credit around 620+
- Jumbo loans for properties exceeding federal conforming limits usually require credit of at least about 660
- They also offer 203(k) renovation loans, manufactured home loans, reverse mortgages, HELOCs, home equity loans, and non‑QM loans like bank‑statement or debt‑service‑coverage requests for investors
First‑time homebuyer assistance programs
They have programs like CCM Smart Start and Community Promise that provide up to $5,250 or $6,000 toward your down payment or closing costs, depending on the metro area and income eligibility. They also provide Freddie Mac’s BorrowSmart Access grants for eligible first-time homebuyers ($4,000)
How The Mortgage Process Works with CrossCountry Mortgage
Pre‑approval process and documentation needed
CrossCountry requires a hard credit check and verification of income documents like W‑2s, tax returns, bank statements even your 1099s if you’re self‑employed. There’s no instant online pre‑approval button; you fill out a form, and a loan officer contacts you, usually within 3 business days, with a pre‑approval letter.
Application, underwriting, and closing timeline
Once you move forward, underwriting typically takes 1–2 days to start reviewing after you submit everything. Then closing timelines vary, but most closings happen in about 21 days, faster than the industry average ~30–45 days
FastTrack approval option
If you qualify for their FastTrack program, you can close in as few as 10 days once your purchase offer is accepted. That’s impressive, especially if you’re in a competitive market where speed matters.
Rates, Fees & Affordability
Transparency and lack of online rate quotes
The first thing you want to know when comparing lenders is, “What’s the rate?” Unfortunately, CrossCountry Mortgage doesn’t make that easy. They don’t publish rates on their website like some other lenders do. You need to speak with a loan officer to get a personalized quote. While that sounds reasonable (because mortgage rates vary based on credit score, loan type, and location), it also makes it harder to shop around quickly.
Origination fees and closing costs
CrossCountry charges standard origination fees, these are usually around 0.5% to 1% of your loan amount. Add in appraisal fees, title insurance, escrow, and taxes, and your closing costs could end up totaling 2–5% of your purchase price.
What you’ll pay specifically depends on your location, loan product, and how you structure your mortgage. Some users online reported slightly higher fees compared to other lenders, especially when working with certain local branches. It’s always wise to get a Loan Estimate from multiple lenders to compare apples to apples.
Down payment requirements and assistance
If you’re tight on savings, CrossCountry might actually work in your favor. They offer loans with low or even no down payment for FHA, VA, and USDA programs. Plus, their down payment assistance options like CCM Smart Start or Community Promise can give you thousands in cash help if you qualify.
That makes a real difference when you’re scraping together funds for a home. I’ve seen people get up to $6,000 in help, which can mean the difference between waiting another year or buying now.
Comparison to other lenders
Compared to Rocket Mortgage, Wells Fargo, or local credit unions, CrossCountry sits somewhere in the middle. They’re not the cheapest, but they’re also not the most expensive. The difference is, you’re getting more flexibility with loan programs especially non-QM loans that many mainstream lenders don’t offer.
So if you’re self-employed, have irregular income, or just need help getting approved, that added flexibility may justify the higher fees.
Credit Score & Borrower Requirements
Conventional, FHA, VA, Jumbo, non‑QM minimums
Your credit score is a big deal, right? It influences not just your approval, but the rate you get. CrossCountry spells out their credit score requirements clearly:
- Conventional loans: Typically need 620+
- FHA loans: As low as 580 (or 500 with a 10% down payment)
- VA loans: Accept 500+
- USDA loans: Usually require 620+
- Jumbo loans: Expect 660–680 minimum
- Non-QM loans: Often start at 620 or higher but can vary
So what does that mean for you? If your credit is average or slightly below average, CrossCountry might still be an option. That’s a big deal. Not all lenders are this flexible.
What counts as a good credit score and why it matters
A “good” credit score is usually anything above 700. The higher your score, the lower your rate. That’s because lenders see you as less risky. Here’s a quick breakdown:
| Credit Score Range | Rating | Impact on Mortgage |
| 760-850 | Excellent | Best rates |
| 660-699 | Fair | OK rates |
| 620-659 | Poor | Higher rates |
| <620 | Very poor | Limited options |
If your score is under 620, you’ll want to look at FHA, VA, or other non-conventional products. Thankfully, CrossCountry offers those and will guide you toward the best match. Just don’t expect luxury rates with a low score.
Customer Experience & Reputation
Positive feedback: helpful loan officers, smooth closings
You know what stands out? A lot of customers praise their loan officers. They describe them as responsive, patient, and helpful, especially for first-time homebuyers. Some reviews mentioned getting fast approvals and closings under tight deadlines. I’ve seen comments like, “They made me feel like I wasn’t just a number,” which, honestly, goes a long way when buying a house.
Local branches seem to make a big difference. In many cases, you’re working with people who know your area and genuinely care about helping you get approved. That personal touch is often missing with big online lenders.
Negative feedback: poor communication, hidden fees, complaints
Now for the flip side: not all CrossCountry experiences are glowing. On Trustpilot, Better Business Bureau (BBB), and other review sites, there are complaints about:
- Inconsistent communication
- Unexpected fees at closing
- Delays in the underwriting process
- Rate locks expiring without notice
One reviewer mentioned they were quoted a lower rate, only to find out their actual rate at closing was 0.5% higher. Another talked about delays that nearly cost them the house. That’s stressful, no matter who you are.
Ratings on Trustpilot, BBB, Bankrate, J.D. Power, others
Let’s break down the numbers:
- Trustpilot: Mixed reviews, averaging around 3.5–4 stars
- BBB: A+ rating but with 300+ complaints in the past 3 years
- Google reviews: Varies widely by branch; some 5-star, some 2-star
- J.D. Power: Not ranked among top lenders in 2024
These ratings suggest that your experience will depend heavily on the branch and loan officer you’re assigned. That’s not necessarily a bad thing, but it does mean you should read local reviews, not just national ones.
Pros and Cons of Choosing CrossCountry Mortgage
Pros: loan variety, speed, down‑payment help, local support
- Wide range of loans, including non-traditional and first-time buyer options
- Fast closings, especially with FastTrack
- Down payment assistance programs up to $6,000
- Loan officers you can meet in person, if you prefer face-to-face help
- Available in all 50 states
This mix makes CrossCountry especially good for buyers who need help navigating the process, or who don’t qualify with stricter lenders.
Cons: higher fees, opaque rates, mixed reviews
Here’s what to watch out for:
- Rates not listed online
- Origination and closing fees may be higher than some competitors
- Customer experience varies by location
- Some users report lack of follow-through or transparency
So, is CrossCountry the best mortgage company? That really depends on your needs. If you’re looking for the absolute lowest cost, maybe not. But if you’re someone who values hand-holding, flexibility, and speed—this could be a strong option.
How Good Is a CrossCountry Mortgage for You? (User Perspective)
First‑time buyers vs seasoned buyers
If this is your first home, I’d say CrossCountry is very beginner-friendly. Their local loan officers help explain every step, and the down payment assistance makes it more attainable.
Seasoned buyers, on the other hand, might find better rates or faster digital experiences with other lenders like Rocket Mortgage or SoFi. Still, if you’re looking for a niche loan, or you’re buying in a competitive market and need speed, they’re worth a look.
Self‑employed or unusual credit history applicants
If you’re self-employed, 1099, or have inconsistent income, you know the mortgage process can be a pain. This is where CrossCountry shines. Their non-QM loans let you use bank statements or asset-based underwriting, which a lot of big banks won’t touch.
I’ve seen people with non-traditional income streams (like gig workers or entrepreneurs) get approved when they were turned away elsewhere. You’ll likely pay a higher rate, but if it gets you in the door? That could be worth it.
CrossCountry Mortgage in the Market – Revenue & Scale
Revenue figures and employees
CrossCountry Mortgage isn’t a small-time lender. They’ve become a national powerhouse over the past two decades. In recent reports, CrossCountry was said to generate more than $1.5 billion in annual revenue and handles tens of thousands of mortgage loans each year. That’s a serious footprint.
They employ over 7,000 people nationwide, including thousands of loan officers. That means even though they’re a national brand, your experience might still feel local depending on the branch you use. They’ve invested heavily in growing their sales team, expanding their presence into both major cities and smaller communities across the U.S.
Rank among U.S. lenders
In terms of market share, CrossCountry Mortgage consistently ranks in the top 10 U.S. retail mortgage lenders. According to data from the Mortgage Bankers Association and other industry sources, they’re in the same conversation as names like Guaranteed Rate, Fairway Independent Mortgage, and loanDepot.
What does that tell you? Well, it means they’re doing something right. You don’t make it into the top 10 by luck alone. It comes from closing loans, serving customers, and adapting fast in a very competitive space.
Alternatives to CrossCountry Mortgage
Other national lenders vs specialty lenders
If you’re shopping around, and I highly recommend you do, there are a few names you should consider alongside CrossCountry:
- Rocket Mortgage: Known for speed and full-digital application process
- Better Mortgage: Fee-free, online-first experience
- loanDepot: Also offers a wide range of products like CrossCountry
- Chase, Wells Fargo, Bank of America: Solid for traditional borrowers
Each of these has pros and cons. Rocket is fast but not personal. Big banks have low rates but stricter credit rules. CrossCountry stands out by offering flexibility and personalized help, especially for folks with unique credit or income situations.
When another lender may save you more
Sometimes another lender might beat CrossCountry on fees or rates. If you have excellent credit and a big down payment, you might be better off with a bank or credit union that offers ultra-low origination fees and interest rates.
But if you’re struggling with credit, need help with a down payment, or prefer working with someone face-to-face, CrossCountry’s strengths start to shine. Just be sure to get a Loan Estimate from at least 3 lenders so you can compare apples to apples.
Tips If You’re Considering CrossCountry Mortgage
How to prepare (credit, documents)
Before you even call a loan officer, here’s what you should do:
- Check your credit score. You can get a free version from sites like Credit Karma or AnnualCreditReport.com.
- Gather your income documents. That includes tax returns, W-2s, 1099s, pay stubs, and bank statements.
- List your debts and assets. They’ll ask about your monthly expenses and current savings.
- Know your budget. Use an online mortgage calculator to estimate what you can afford comfortably.
Having this info upfront makes the process smoother. It also shows the lender you’re serious—and ready.
How to shop quotes and compare offers
Here’s my biggest piece of advice: don’t go with the first offer you get. Just because CrossCountry pre-approves you doesn’t mean they’re your best option. Always compare the Loan Estimates from at least 2 or 3 lenders. Look at:
- Interest rate
- APR (includes fees)
- Total monthly payment
- Total paid over life of the loan
- Estimated closing costs
Sometimes, a slightly higher rate from one lender can end up being cheaper if they’re waiving fees. That’s why you need to look at the full picture, not just the rate.
FAQs
How good is a CrossCountry Mortgage?
It’s generally considered a good lender, especially if you’re a first-time buyer or have unique financial circumstances. It’s not always the cheapest, but it offers more loan flexibility than many competitors.
Who is the best mortgage company to go through?
There’s no one-size-fits-all answer. If you want digital speed, go with Rocket. For low fees, try Better. If you need personalized service or non-traditional loans, CrossCountry is a strong choice.
Can I pay a CrossCountry Mortgage online?
Yes! CrossCountry offers an online payment portal where you can set up recurring payments, view your balance, and manage your loan.
What is the revenue of CrossCountry Mortgage?
CrossCountry Mortgage generates over $1.5 billion in revenue annually and ranks among the top 10 U.S. mortgage lenders.
Is CrossCountry Mortgage a good lender?
Yes, especially for buyers who need guidance, low credit options, or down payment help. But like any lender, it has both strong reviews and a few negative ones, so research your local branch.
What credit score do you need for a CrossCountry mortgage?
Minimum scores range from 500 (for VA or FHA loans) to 620 for conventional. Jumbo and other specialty loans may require 660+.
How long does it take to get a CrossCountry mortgage?
On average, it takes about 21–30 days to close a loan. With FastTrack, some buyers close in as little as 10 days.
Is CrossCountry a good place to buy a home?
They’re not a real estate company, but as a lender, they offer useful tools and support that can help you buy a home with confidence.
How do I contact CrossCountry mortgage customer service?
You can call their customer service hotline or reach out to your local loan officer through the contact form on their website.
How do I find CrossCountry mortgage rates?
You won’t find them online. You’ll need to speak with a loan officer who can give you a custom quote based on your credit, loan amount, and location.
What are the down payment assistance options at CrossCountry?
Programs like Smart Start and Community Promise can provide $5,250–$6,000 in help. They also offer Freddie Mac BorrowSmart grants.
Does CrossCountry Mortgage offer HELOCs or refinance loans?
Yes. They offer a variety of refinancing options, home equity loans, and HELOCs for qualifying borrowers.
Are there CrossCountry Mortgage branches in every state?
Yes, they operate in all 50 states with hundreds of branches across the country.
Conclusion
At the end of the day, Cross Country Mortgage Reviews paint a picture of a lender with a lot of flexibility, helpful programs, and real human support, but also some inconsistencies and higher-than-average fees in certain branches.
If you’re looking for a mortgage lender that’s willing to work with you even if your credit isn’t perfect or your income is non-traditional CrossCountry Mortgage could be the right fit. Just be sure to compare offers and check your local branch’s reputation. Your experience might be amazing or just okay depending on who you work with.