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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Bankrate Score

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3.4

User reviews
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( 1495 )

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
4.9
Professionalism
5.0
Responsiveness
5.0
0 out of 0 rates honored
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(1495 reviews)
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1454
29
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 170 Reviews
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Josh D.
Asheville, NC

8/13/2019

Always Excellent!

This is the second time we’ve worked with Charles Hamilton. He is unbelievably responsive, thorough, and an outstanding communicator. We always know exactly what’s going on and how the process is unfolding. On top of that, both times we’ve gotten amazing rates!

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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VB
NJ

8/16/2019

Great Experience

Chris Hutchins was very helpful, knowledgeable and responsive.

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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R. Anderson
Augusta, Georgia

8/19/2019

Super responsive and personable

I lucked out when I got paired up with Charles Hamilton at CrossCountry Mortgage. He was quick to respond, make adjustments, and to explain every step of our refinance. Not only were there no surprises, he kept my wife and I informed about what to expect, when to expect it, and continued his follo...

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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Rebekah
Nolensville, TN

8/22/2019

2nd time using and still a great mortgage company!

This is my second time working with Cross Country Mortgage and Chris Hutchins (first to buy a home, then to refinance that home). Both times the process has been smooth and easy. Chris is helpful to answer all of your questions and make sure you understand everything. I would highly recommend us...

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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Michelle C.
Morro Bay ,CA

8/24/2019

Sharyn DiCarlo is OUTSTANDING

Sharyn DiCarlo from CrossCountry Mortgage is outstanding. From beginning to end my refinance could not have been easier. Sharyn worked tirelessly all the while keeping me informed along the way. She’s professional, hard-working and honest. I never had any problems getting answers to questions and ...

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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Shawn H
NJ

8/25/2019

Mortgage and ReFi, both A

I worked with Charles Hamilton twice now, a while back for a new purchase and recently for a ReFi. The initial purchase went so well I had no hesitation to work with him again. Seriously people, don't go wasting thousands of dollars at local banks. Mortgage are cut throat. His service is prompt...

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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Andrew Mooney
West Chester

8/26/2019

Fantastic experience

Sharyn DiCarlo from CrossCountry mortgage was absolutely fantastic to work with from start to finish.She answered every possible question we had,and always made us feel at ease during the entire process.

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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Tim W
Middle River

8/28/2019

Cross County Refinance

Working with Robert Glazewski was a great experience. The process was simple and Cross Country Mortgage and Robert were extremely helpful throughout the entire time.

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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Leonard
Plainfield, Illinois

8/28/2019

Great Experience

Very smooth process and the best rate around. Contacted another lender and was told to grab my deal because he could not touch what I was offered. The process was very simple and I was very happy with the deal I got. The big names out there could not get the rate I received. Pleasant experience all ...

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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EK
Ellicott City, MD

9/3/2019

Chris Hutchins, CrossCountry Mortgage

I had a wonderful experience with the whole process (refinancing), they got me the lowest rate, were very fast and answered any questions promptly. Would definitely recommend!

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