CrossCountry Mortgage Mortgage Review 2020

By Mitch Strohm

About our reviews

Bankrate’s editorial team researches, reviews and rates lenders to help you find one that fits your needs. Our experts consider a range of factors, including rates, loan types, time to close, fees and more. Reviews are updated regularly. Bankrate is an independent, advertising-supported comparison service. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.

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No logo available

NMLS: 3029

Bankrate Score

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3.4

User reviews
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( 1515 )

5.0

Please note: In response to the coronavirus pandemic, lenders are changing their requirements continuously. Although we strive for accuracy at the time of publication, please be sure to check with the lender for updated details on down payments, credit scores, etc.

CrossCountry Mortgage is a full-service nationwide lender featuring an extensive range of loan products. It offers quick closing times to borrowers. Founded in 2003, CrossCountry is headquartered in Brecksville, Ohio. The company began as a solo venture by Ronald J. Leonhardt Jr., who now serves as CEO.

Nationwide availability

Available in all U.S. states and the District of Columbia

Minimum credit score

CrossCountry Mortgage doesn't publish its credit requirements. The credit score you’ll need in order to qualify for a loan varies by mortgage type. Generally, these are the minimum credit requirements: 620 for conventional loans; 660 for jumbos; 500 for FHA.

Loan types

Conventional, VA, FHA, USDA, fixed-rate, adjustable-rate mortgage (ARM) and jumbo; refinancing options include rate-and-term refinancing and cash-out refinancing; home equity lines of credit (HELOCs) and reverse mortgages

Pros

  • Can close most loans in as little as 21 days
  • Extensive range of available loan types, including HELOCs
  • Dedicated loan officer throughout the process

Cons

  • Doesn't offer online process for approval; you have to speak to a loan officer
  • Doesn't publish lender fees or in-depth borrower requirements

Find your mortgage match

Get paired with your best mortgage offers in 2 minutes or less.

CrossCountry Mortgage overview

Loan types

  • Conventional
  • VA
  • FHA
  • USDA
  • Fixed-rate
  • Adjustable-rate mortgage (ARM)
  • Jumbo
  • Refinancing including rate-and-term refinancing and cash-out refinancing
  • Home equity lines of credit (HELOCs)
  • Reverse mortgages

Lender fees

CrossCountry Mortgage’s lender fees are not available on their website, but keep in mind that most lenders charge origination and application fees.

CrossCountry offers a number of programs that can lower your obligation at closing, including FHA, USDA and VA loans. These government-backed loans may allow you to wrap closing costs into your overall monthly payment. They also sometimes provide the option for the seller to contribute to costs at closing.

Minimum borrower requirements

CrossCountry Mortgage says you’ll need sufficient income and credit history to qualify for a conventional loan. According to Fannie Mae’s guidelines, that means you’ll need a credit score of 620 or higher and a down payment of at least 3 percent. You’ll also need a debt-to-income ratio (DTI) of 43 percent or less.

You can finance up to $3 million with a jumbo loan from CrossCountry. Jumbo loans often require a credit score of at least 660 and a low DTI.

For an FHA loan, the lender requires a down payment of at least 3.5 percent and a loan-to-value (LTV) ratio of 30 percent or less. Borrowers must also have at least two consecutive years of employment and verifiable income.

CrossCountry Mortgage follows government guidelines for VA and USDA loans. VA loans generally require a minimum credit score of 620 and a low DTI. There are no credit requirements for USDA loans, but borrowers need to meet income requirements and be located in an eligible rural area.

Get started with CrossCountry Mortgage

Borrowers can apply online or by phone. If you apply online, a representative will contact you.

Hours

Branch locations: Hours vary Contact: 440-845-3700

CrossCountry Mortgage consumer rating and reviews

5.0 reviews
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99% recommended

Customer Service Rating

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
0 out of 0 rates honored
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(1515 reviews)
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1473
30
3
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The reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.

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Showing 10 of 162 Reviews
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Michael DeMarco
Philadelphia

10/2/2019

Amazing!

Sharyn took personal and complete care of our mtge process. She provided us with high attention detail and met all our needs and goals. I would recommended her personally to any one seeking a broker that is for the borrower.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Dave
Leawood KS and The Villages FL

10/2/2019

Great mortgage re-finance experience

Sharyn was with us all the way through the process. Very attentive to detail and responsive to our needs. I would recommend Sharyn to anyone in need of a mortgage that is willing to do this online and by email and phone.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Jason Meier
East Brunswick, NJ

10/7/2019

Great experience, quick close, constant contact

I worked with Charles Hamilton at BestRate. I was initially working with another broker whom was unpleasant, so I shopped around where Charles not only beat the rate from the prior broker, he was also able to close within 3 weeks where the other broker stated he could not meet that deadline. Would h...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Lou Monteforte
Monroe Township, NJ

10/7/2019

Wonderful Experience.

Charles Hamilton and Cross Country Mortgage were simple the best. They were always on top on my mortgage application, quickly responded to any questions or issues that arose and helped me to get my mortgage in near record time. I would definitely do business with Charles again!

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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J Cheng
Natick, MA

10/7/2019

Great experience with Charles Hamilton twice

Charles Hamilton helped me with my mortgage twice. He offered very competitive packages that I wanted and his initial estimates were very accurate. The process was easy to follow and execute online. I will definitely ask him to help me with future mortgage needs.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Srini
GA

10/7/2019

Great Experience

My refi was handled by Sharyn DiCarlo. She's amazing, attentive, and most importantly she was responsive. I requested the refi be processed early and she did it well before the date I expected. I would recommend her.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Tamim
Fayetteville, NC

10/7/2019

Excellent Experience!

Charles Hamilton is by far the best Loan Officer I ever dealt with. He is honest, diligent, Transparent and highly efficient in delivering his task. He was there when needed and easily accessible. He is a Great Asset to Cross Country Mortgage Lender. I Highly recommend him without any reservations!

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Douglas V.
Menifee, CA

10/8/2019

No hassle, very professionally accomplished

This is the second time that I have used BestRate USA Mortgage. The first time was for a new purchase, this time for a refinance. Both times I have had the privilege of having Christopher Hutchins as my agent. Christopher has been awesome. Communications were excellent, both timely and accurate....

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Christine
Chester County, PA

10/9/2019

Couldn’t have asked for anyone better

Charles Hamilton with CrossCountry Mortgage was a blessing! He was honest and quick to respond with any questions and was always available. He was very patient explaining different processes and took his time to make sure myself and my fiancé understood everything associated with a mortgage. As f...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Samuel
Spring, TX

10/10/2019

Smooth and Simple Process with Honest Support

This is coming from a buyer who takes extra care to evaluate numbers and process before proceeding with a measured approach. Chae was straight forward and responsive all through the process, he provided answers promptly to all questions or concerns. Highly professional and excellent customer serv...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes