CrossCountry Mortgage Review 2026

Established in 2003, CrossCountry Mortgage is one of the largest mortgage lenders in the country. In 2024, the company provided financing for one in every 37 home purchases The Cleveland-based lender has more than 700 branch locations and more than 7,000 employees.

Pros and cons of CrossCountry Mortgage

Affordability: 3.4 stars

It can be tough to learn what rates and fees you’ll pay with CrossCountry Mortgage unless you get preapproved. 

• Interest rates: Unlike many other lenders, CrossCountry Mortgage doesn’t list its latest mortgage rates online, and it didn’t provide them in our survey. You’ll need to contact the lender to learn current rate options. Note that the lenders’ buydown programs can reduce your interest rate in the first years of your loan.
• Down payment: CrossCountry Mortgage provides low-down-payment government loans, as well as conventional loans requiring just 3 percent down. It also offers up to $5,250 in down payment assistance programs for qualifying first-time buyers and a product that lets you avoid private mortgage insurance if you put down 15 percent, rather than 20. 

Availability: 5 stars

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 harder-to-find options, like physician loans, condo loans, bridge loans, non-QM products and reverse mortgages.
• Footprint: CrossCountry Mortgage lends 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: 3.1 stars

CrossCountry Mortgage doesn’t offer some standard conveniences, like quick preapprovals or personalized online rate quotes, which brings down its borrower experience score. 

• Preapproval and application process: You can apply online for preapproval at CrossCountry, and if you qualify, you’ll receive a letter within three business days. While this is somewhat longer than many lenders require, the lender does offer a 21-day closing program. 
• 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 2025 mortgage servicing study. On Trustpilot, the lender has a “Poor” score, with many customers complaining about service and the ability to track down a live agent for assistance.

What Bankrate users say about CrossCountry Mortgage

Several borrowers cite the lender’s mistakes, and more than one borrower reports the experience as the “worst.” However, there are some bright spots with recent borrowers in 2025 applauding the service level of loan officers at the company.