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CrossCountry Mortgage Review 2023

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At a glance

CrossCountry Mortgage


Rating: 4.1 stars out of 5
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Bankrate Score

Mortgage Percent

Loans offered

Conventional, jumbo, government-insured, refinance, home equity line of credit (HELOC)


Nationwide Availability

Available in all U.S. states and Puerto Rico

Credit Good

Min. credit score required

620 for conventional loans; 660 for jumbo loans; 500 for FHA loans

Pros and cons

Checkmark 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

Close X Cons

  • Current offers not displayed on the lender’s website
  • Doesn’t rate highly for customer satisfaction

CrossCountry Mortgage overview

CrossCountry Mortgage, also doing business as Best Rate USA, is a full-service nationwide lender offering an extensive range of loan products.  Founded in 2003, as a solo venture by current CEO Ronald J. Leonhardt Jr., the Cleveland, Ohio-based lender caters to customers nationwide with a full suite of mortgage products, including popular purchase and refinance loans as well as more specialized options, like bridge loans and construction loans

CrossCountry’s FastTrack Credit Approval program allows you to close in as few as seven days after signing a purchase agreement (barring any conditions such as the need for additional documentation).

Our Editor’s Take on CrossCountry Mortgage

CrossCountry Mortgage is good for borrowers looking for an array of loan options, an end-to-end digital experience, and most of all, a quick borrowing process. It can provide a preapproval in under 24 hours (with conditional approvals in less than two days), and its streamlined review process can help you close in as little as 21 days. 

How Bankrate scored CrossCountry Mortgage 

To determine CrossCountry’s Bankrate Score, Bankrate’s editorial team rated it and other 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.). We derived its overall score by considering three basic factors.

  • Affordability: CrossCountry Mortgage doesn’t charge fees on loans, saving you a bundle at closing. The lender’s rates aren’t listed on its website, however, so you might have a harder time initially comparing its offer to others.
  • Availability: CrossCountry Mortgage is available to borrowers nationwide and in Puerto Rico. It boasts a deep bench of loan offerings, including non-qualified (non-QM) mortgages.
  • Borrower experience: While CrossCountry’s platform lends some convenience to the transaction, the lender doesn’t rate highly among customers overall. To get a rate quote, you’ll have to first complete a detailed form.

Affordability: 3/5

Loan cost is a deciding factor for many borrowers.  The affordability nature of loans differ from lender to lender, so comparing costs is key. CrossCountry Mortgage doesn’t display mortgage rates online. You can obtain a free rate quote from the lender, but you must fill out an online form with information regarding the loan purpose, location of the property and loan amount, as well as personal information such as your credit score, name, email address and phone number. After providing this information, the lender will reach out to you to discuss available loan options and rates. The lender doesn’t charge fees.

Availability: 5/5

Availability factors can make the overall mortgage-application process smoother or more challenging.CrossCountry Mortgage is available to borrowers in every state and offers the full range of home financing services. This includes conventional (conforming and non-conforming) and government-insured loans, as well as other speciality loan products including reverse mortgages.

Borrower experience: 4.6/5

Customer experience factors can help you know what to expect when you work with a specific lender. CrossCountry Mortgage has been a Better Business Bureau-accredited business since 2016 with an A+ rating. Its customer reviews with the BBB and Trustpilot, however, are less than stellar, and it ranked far below average in J.D. Power’s 2022 report on mortgage origination customer satisfaction. However, it does offer the convenience of an online My Loan Servicing account, where clients can make mortgage payments, view account information and review payment history.

Compare CrossCountry Mortgage to other lenders


CrossCountry Mortgage

PNC Bank

Ally Bank

Bankrate Score:




Best for:

Borrowers interested in a wide range of loan types

Borrowers looking for a quick preapproval and want the option of working with a brick-and-mortar bank

Borrowers looking for a streamlined online process

Loans offered:

Purchase, government-insured, refinance, home equity line of credit (HELOC)

Purchase, government-insured, refinance, home equity line of credit (HELOC), home equity loan, investment property, interest-only

Conventional, jumbo, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancing

Min. credit score required:

620 for conventional loans; 660 for jumbo loans; 500 for FHA loans

620 for conventional loans; 620 for jumbo loans; 620 for FHA loans; 640 for USDA loans

620 for conventional loans; 700 for jumbo loans

Down payment:

3 percent for conventional, 0 percent for VA, 3.5 percent for FHA

3.5 percent for FHA loans

3 percent for HomeReady loans


Available in all U.S. states and Puerto Rico


Available in all U.S. states

Read full review:


PNC Mortgage Review

Ally Bank Mortgage Review

To compare additional lenders, learn more about the Best Mortgage Lenders of 2023.

How to apply for a mortgage with CrossCountry

If you’re interested in a CrossCountry Mortgage, you’ll have the option to apply for your loan by mail, over the phone, or in-person. If you fill out a form to get prequalified or preapproved online, a loan officer will reach out within 24 hours to go over your options. The lender also allows you to apply for a mortgage online through an end-to-end digital platform where you can securely upload documents and e-sign disclosures. There is also a co-pilot feature where loan originators can remote in, in real-time, to provide assistance. In addition, the lender offers a variety of resources through its website, such as mortgage calculators, a glossary and videos.

Here are some general tips for applying. 

  1. Run the numbers. Make sure that your credit score, debt-to-income ratio, and savings are in good shape. A strong credit score can help you to secure a competitive interest rate, saving you thousands over the life of your loan.
  2. Gather documents. To qualify for a mortgage with CrossCountry, you’ll need to gather Form 1003, the residential loan application, W2s or tax returns for the previous 2 years and your last 3 bank statements, as well as the most recent statements for any investment accounts, among other documents.
  3. Obtain pre-qualification. As a CrossCountry customer, you can pre-qualify in minutes online or over the phone. The lender will review your assets and income to determine your ability to repay the loan. A more detailed review of your finances will come later, during the pre-approval process.
  4. Review loan and rate options. CrossCountry offers a wide array of loan products. If you’re planning to stay in the home for only a few years, for example, you might consider an adjustable-rate mortgage. But if you’re planning on living in the home long-term, you’re probably better off with a fixed-rate mortgage. Evaluate the pros and cons of your options.

Refinancing with CrossCountry Mortgage

If you’re looking to refinance, know that there are no lender fees with CrossCountry Mortgage, so you could save on closing costs for your new loan. You can only view the lender’s refinance rates, however, after filling out the free rate quote form online and speaking with a CrossCountry loan officer.

The lender offers a wide range of refinance options, including conventional, HARP, FHA Streamline, FHA 203(k), USDA Rural Streamline and VA Interest Rate Reduction Refinance Loan refinances.


Bankrate’s expert editorial team collects lender information through a variety of methods. We contact lenders directly, and we also turn to regulatory filings and to assessments by third parties. Our research takes into account three main factors – affordability, availability and borrower experience.

Bankrate’s reporters and editors have decades of experience covering the mortgage industry. They’re skilled at gathering information through interviews and by scouring regulatory filings. Bankrate evaluates more than 85 lenders for factors relating to affordability, availability and customer experience, assigning each a Bankrate Score out of five stars.Here’s how we assess each of the categories: 

  • Affordability. Loan cost is a deciding factor for many borrowers. We look at two metrics: 1) a  lender’s lowest advertised annual percentage rate (APR) based on Bankrate’s sample scenario, which assumes a 740 or higher credit score and a 20 percent down payment, among other factors and 2) established-customer discounts or incentive pricing, when applicable. 
  • Availability. Another factor is how quickly your loan application will be approved, and how many loan programs the lender offers. So we evaluate approval and closing timelines and diversity of loan products.
  • Customer experience. Finally, we delve into what it’s like to deal with the lender as a consumer. We look at the lender’s application process and availability of customer service support. We also consider the results of J.D. Power’s 2022 Mortgage Origination Satisfaction Survey.

Bankrate’s editorial team confirms the accuracy of data at the time of publication. Our team is dedicated to maintaining the timeliness of information – the mortgage industry is changing constantly, so we regularly revisit these reviews to update them.

Bankrate’s methodology page spells out our rating process in greater detail.

CrossCountry Mortgage consumer reviews



Rating: 5 stars out of 5

3 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

100% of reviews would recommend this lender

2 of 2 rates honored

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The consumer reviews posted on ("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.

To help serve you with relevant information the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.

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Written by

Jeff Ostrowski

Senior mortgage reporter

Jeff Ostrowski covers mortgages and the housing market. Before joining Bankrate in 2020, he wrote about real estate and the economy for the Palm Beach Post and the South Florida Business Journal.

Edited by

Suzanne De Vita

Arrow Right

Mortgage editor