CrossCountry Mortgage Review
See how often this lender's rate is at or below the median on 2025 loans.
How Bankrate scores CrossCountry Mortgage
- Price competitiveness
How often this lender's borrowers got an interest rate at or below the median rate for similar loans.
3 out of 5 - Amount of overpayment
How much more this lender's borrowers paid than the lowest-cost mortgage offer for a similar borrower and loan, almost always found exclusively through Bankrate's auction.
1 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
8%4 out of 5 - Where and what they lend
How many states and loan types this lender serves.
100%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. One of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, 90% to 95% did, which might mean some quoted terms changed before closing, some applicants stepped away, or both.
Importantly, this measure is not included in the scores because a lender's closing likelihood might be pulled down by factors outside their control, such as differences in application volume. Nonetheless, there are clear performance differences between lenders even after these factors are controlled for, so it is included for informational purposes only.
Ready to get the lowest rate?
the lowest rate?See what CrossCountry Mortgage will actually offer you when it has to compete — in minutes, with no hit to your credit.
What Bankrate's editors think
CrossCountry’s biggest weak spot is cost. It charges more in added costs over eight years than most comparable lenders reviewed by Bankrate, and only about 41% of its mortgages were priced below comparable loans in 2025. It doesn’t post rates or fees online either — you’ll need a loan officer for a quote.
Its loan menu is a strength: In addition to the traditional slate of loan options, CrossCountry also offers bridge loans for selling and buying at once, non-QM options for alternative income and CCM Smart Start, which gives first-time buyers up to $5,250 toward a down payment with nothing to repay. It also advertises a 21-day close, faster than the national average.
Complaints are rare — under 1 per 1,000 loans, just short of perfect — and about 94% of approved loans reach closing. But it has a reputation problem: CrossCountry’s Bankrate customer rating sits at 2.1 out of 5, and J.D. Power rated it well below average for originations in 2025 and below average for servicing in 2026.
At a glance
Good for first-time buyers who qualify for its no-repay down payment grant, or anyone selling one home while buying another and who wants a bridge loan. Not a good fit if price is the deciding factor — the data shows CrossCountry is one of the pricier lenders Bankrate rates.
Compare lenders
Get today's rates for youCompare CrossCountry Mortgage with any of our rated 1,962+ lenders. We start by stacking it up against a lender of similar reach and scale — but you can swap in any lender you’d like.
Figures are drawn from public lending and complaint data and weighted by loan volume.
Ready to see what CrossCountry Mortgage will really offer you?
See your real rate in minutes, with no hit to your credit.
