CrossCountry Mortgage Review 2025

CrossCountry Mortgage is one of the biggest mortgage lenders in the country. In 2024, the company provided financing for one in every 37 purchases and helped more than 88,000 borrowers. The Cleveland-based lender’s suite includes purchase and refinance loans as well as more specialized options, like bridge loans, construction loans and non-qualified (non-QM) loans.

Pros and cons of CrossCountry Mortgage

Affordability: 3.4/5

It can be tough to learn what rates and fees you’ll pay with CrossCountry Mortgage unless you get preapproved. We scored the lender 3.4 out of 5 stars for affordability.

• Interest rates: Unlike other lenders, CrossCountry Mortgage doesn’t list its latest mortgage rates online. You’ll need to contact the lender to learn current rate options.
• Down payment: CrossCountry Mortgage provides a bevy of loan options with various down payment minimums, starting as low as 3 percent for a conventional loan. It also offers several assistance programs, ranging up to $5,250 in additional down payment funds.
• Closing costs: CrossCountry Mortgage charges closing costs, which vary by loan type, loan amount, location and more.

Availability: 5/5

CrossCountry offers a variety of loan types nationwide, giving it the full 5 out of 5 stars for availability. 

• Home loans offered: CrossCountry Mortgage provides conventional (conforming and non-conforming) and government-backed loans, as well as other specialty loan products including reverse mortgages.
• Footprint: CrossCountry Mortgage operates in all U.S. states and has an extensive branch network of more than 700 locations. 
• Where to find: You can apply for a mortgage with CrossCountry online, by phone or in person at a branch location.

Borrower experience: 5/5

Thanks in part to speedy underwriting, CrossCountry Mortgage scores 5 out of 5 stars for borrower experience.

• Preapproval and application process: If qualified, you can expect a preapproval from CrossCountry Mortgage in under 24 hours, or a conditional approval in less than two days. The lender has a 21-day closing program, too. It also offers the convenience of an online My Loan Servicing account, where you can make mortgage payments, view account information and review payment history.
• Transparency: You won’t find CrossCountry Mortgage’s rates advertised on its website, but you can use the site to request a free rate quote. You’ll then be connected to a loan officer.
• Customer service: You can reach CrossCountry’s customer service team at 877-351-3400.

CrossCountry Mortgage rated well below-average in J.D. Power’s 2024 mortgage origination customer satisfaction study, but above-average in J.D.’s 2024 mortgage servicing study. On Trustpilot, many customers complain about service and the ability to track down a live agent for assistance.

What consumers say about CrossCountry Mortgage

Overall, borrowers on Bankrate don’t have many positive things to say about CrossCountry Mortgage. Several borrowers cite the lender’s mistakes, and more than one borrower reports the experience as the “worst.” Others say they wouldn’t go back to the lender for another mortgage in the future. However, there are some bright spots with recent borrowers in 2025 applauding the service level of loan officers at the company.

CCM Smart Start

CrossCountry Mortgage’s CCM Smart Start program provides up to $5,250 in down payment assistance for first-time homebuyers. You could be eligible if you’re a first-time buyer making 80 percent or less of your area’s median income (you can look up your area here).

CrossCountry Mortgage offers both rate-and-term and cash-out refinancing options. The company is a good option for refinancing if you’re earning less than you’d like: The Low-Income Refinance program offers low- and moderate-income borrowers a $2,500 closing credit.

You can apply for a mortgage with CrossCountry Mortgage in person at a branch location, online or by phone at 877-351-3400.