CrossCountry Mortgage Review

Rating: 9.1 / 10 (Excellent)
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Founded in 2003, CrossCountry Mortgage is an Ohio-based nationwide mortgage lender offering a wide range of purchase and refinance loans. Since their inception, the company has expanded their area of coverage and are now licensed in 50 states, with over 130 branches from coast to coast.

How is CrossCountry Mortgage rated?


Loan Specifics
Customer Experience
Qualification Requirements
Lender Reputation

Overall Rating: 9.1 / 10 (Excellent)

CrossCountry Mortgage is a leading online lender offering an ample selection of purchase and refinance loans as well as helpful resources for first-time homebuyers. Their website is easy to navigate, and their online forms are a breeze to complete, yet their services are geared towards borrowers who want to start their loan application online and then work with a loan officer that will guide them throughout the rest of the process. Although there are few online reviews for this company, everything indicates that CrossCountry meets all the requirements to be considered a top-tier lender. Any prospective borrower, even those simply looking to compare rates, is sure to find CrossCountry an option worth considering.

CrossCountry Mortgage Customer Experience

Loan Specifics - 10 / 10

CrossCountry Mortgage is now a full-service lender offering a vast array of mortgage loans including conventional fixed and adjustable-rate mortgages as well as jumbo, FHA, VA, and USDA loans. Their nonconforming or jumbo loans allow applicants to borrow up to $3 million, yet there doesn't seem to be a minimum loan requirement. CrossCountry also offers a three-step pre-qualification process, which entails speaking with a loan officer to determine different loan options the applicant may qualify for.

Types of Mortgage Loans Offered

  • Fixed Rate 10 Year
  • Fixed Rate 15 Year
  • Fixed Rate 20 Year
  • Fixed Rate 30 Year
  • 3/1 ARM
  • 5/1 ARM
  • 7/1 ARM
  • Jumbo Fixed Rate
  • VA Fixed Rate
  • FHA Fixed Rate
  • USDA Loan

CrossCountry Mortgage Customer Experience

Customer Experience - 9 / 10

CrossCountry has a FastTrack Credit Approval program that allows qualified borrowers to close their mortgage in as little as 21 days. They also offer a hassle-free pre-approval and quick online quotes, which don't require personally identifiable details such as the applicants Social Security number. One of the best things about CrossCountry however, is the wealth of excellent resources they offer prospective borrowers, including articles, videos, calculators, frequently asked questions, and even a glossary of commonly used terms. Well-informed consumers and aspiring homeowners are sure to appreciate this company's customer-centered approach.

Online Features

Online Application
Online Quote
Additional Tools and Resources
Mortgage Calculator
Affordability Calculator
Help Articles
SSN Required for Quote

Loan Closing Time

21 days

CrossCountry Mortgage Qualification Requirements

Qualification Requirements - 9 / 10

Like most lenders, CrossCountry offers scant details about their borrower qualification requirements. Nevertheless, it should be safe to assume they have minimum credit and income requirements, in addition to standard qualifications like being at least 18 years of age and a U.S. citizen. The company does state they set no a debt-to-income ratio restriction for FHA loans and minimum down payments through these programs can be as low as 3.5%.

Key Requirements at a Glance

Minimum Down Payment

CrossCountry Mortgage Lender Reputation

Lender Reputation - 8 / 10

Since 2003, CrossCountry Mortgage has been a direct lender of conventional loans that meet the underwriting guidelines of government-sponsored entities Fannie Mae, Freddie Mac, and Ginnie Mae. Although they are accredited by the Better Business Bureau and have an A+ rating with the organization, this score is not based on customer feedback. Thus far, there have been no reviews left for this lender either on or There are few consumer complaints against CrossCountry on the CFPB's database and, according to the NMLS, there has been less than a handful of regulatory actions taken against them.

Key Facts

Lender Type
Direct Lender
Year Founded
BBB Rating
Collection Date

Complaints & Regulatory Actions

Nationwide Mortgage Licensing System ID
The Nationwide Mortgage Regulatory Actions
Consumer Financial Protection Bureau Complaints

Company Profile

Full Name
CrossCountry Mortgage
Company Website
6850 Miller Road, Brecksville, OH, 44141

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Customer Comments & Reviews

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Barry C
Columbus, Georgia
Crosscountry is not a honest company. They told me one thing on the phone but then after we signed all the documents it was another. They told me that I would get my escrow money from my previous lender to offset the closing cost but then I found out they had my previous mortgage holder send the money to them. And of course the kept it and said they needed it to make the deal work.

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