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Best Rate USA Mortgage Review 2023

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At a glance

Best Rate USA

NMLS: 146296


Rating: 4.1 stars out of 5
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Bankrate Score

Mortgage Percent

Loans offered

Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term, cash-out and streamline refinancing


Nationwide Availability

Available in California, Connecticut, Delaware, Florida, Kentucky, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia and Washington, D.C.

Credit Good

Min. credit score required


Pros and cons

Checkmark Pros

  • Variety of loan types
  • Close on a loan in as little as 20 days
  • Work with a loan officer throughout the entire process

Close X Cons

  • Not available in every state
  • Information related to rates and fees is limited online
  • No instant online preapproval

Best Rate USA overview

Best Rate USA is a direct online mortgage lender affiliated with CrossCountry Mortgage and founded in 2008. The lender operates in several states and offers a variety of mortgage types and a quick application process, with closings in as little as 20 days from the time you apply.

Best Rate USA is good for

Borrowers looking for a quick closing and lower rates overall

Breakdown of Best Rate USA overall score 

  • Affordability: Best Rate USA makes claims of low rates, but you’ll need to get in touch with the lender directly to learn what you might qualify for.

  • Availability: Although it’s a stamp of CrossCountry Mortgage, Best Rate isn’t available everywhere like its parent. Be sure to check whether this lender is licensed in your state before you make contact.

  • Borrower experience: Best Rate USA has earned high marks from customers on Bankrate. It can be tough to get ahold of this lender, however.


To determine a mortgage lender’s Bankrate Score, Bankrate’s editorial team rates lenders on a scale of one to five stars based on a variety of factors relating to the lender’s products and services. Bankrate’s partners compensate us, but our opinions are our own, and partner relationships do not influence our reviews. Here is our full methodology.

Affordability: 3/5

You can’t view mortgage rates on the Best Rate USA website. Instead, you’ll need to request a rate quote, which involves providing your contact information, credit score and information about the loan you’re applying for. One of the lender’s loan officers will then contact you to discuss available rates. Best Rate USA’s lender fees can include an origination fee, rate-lock fee and other closing costs.

Availability: 5/5

Best Rate USA offers the basic slate of conventional and government-insured loans (FHA, VA and USDA), some of which have low down payment minimums. You can also refinance through this lender (more on that below). It’s only available to borrowers in about 20 states at this time.

Borrower experience: 4.6/5

CrossCountry Mortgage, which operates Best Rate USA, has an A+ rating from the Better Business Bureau, although it isn’t accredited by the organization. It has highly favorable reviews from customers on Bankrate.Best Rate is an online lender, so you can start the loan process by requesting a rate quote through its website, but you’ll need to await contact from a loan officer to proceed. You can fill out all of the paperwork online to get preapproved for a loan, but there’s no app or chat function to get help if you need it, and a call from Bankrate during business hours to the phone number listed on the lender’s website went unanswered. When you’re ready to apply, you can browse a directory of loan officers and submit your application directly online through CrossCountry’s portal.

Refinancing with Best Rate USA

Best Rate USA offers the option for you to refinance a mortgage, either to adjust the terms of your loan or cash out some of your home equity. The lender doesn’t display its refinance rates and fees, but you can get the process started by requesting a rate quote.

Alternatives to Best Rate USA

Best Rate USA consumer reviews


NMLS: 146296


Rating: 5 stars out of 5

1638 reviews

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About consumer ratings

Customer service rating

Rating: 5 stars out of 5
Level of service
Rating: 5 stars out of 5
Rating: 5 stars out of 5
Rating: 5 stars out of 5

99% of reviews would recommend this lender

0 of 0 rates honored

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Written by

TJ Porter

Contributing writer

TJ Porter is a contributing writer for Bankrate with eight years of experience writing about finance.  TJ writes about a range of subjects, from budgeting tips to bank account reviews.

Edited by

Suzanne De Vita

Arrow Right

Mortgage editor