CrossCountry Mortgage Review
See how often this lender beats the typical offer on 2025 loans.
How Bankrate scores CrossCountry Mortgage
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
3 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
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.
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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.
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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.
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