CrossCountry Mortgage Review 2022

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At a glance

CrossCountry Mortgage


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Bankrate Score

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Loans offered

Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term, cash-out and streamline refinancing; home equity line of credit (HELOC); construction and renovation loans; reverse mortgage
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Nationwide availability

Available in all U.S. states
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Min. credit score required

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

Pros and cons


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


  • Doesn't offer online process for approval; you have to speak to a loan officer first

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, including no-doc loans. The lender can provide a preapproval in under 24 hours, and its streamlined review process can help you close in as little as 21 days. If you’re buying a home in a hurry, CrossCountry Mortgage offers the FastTrack Credit Approval that provides an approval letter for you to give to a seller. With this approval, your loan could close in as few as seven days after signing a purchase agreement (barring any conditions such as the need for additional documentation). In addition, there are both lender-paid and borrower-paid mortgage insurance options for those whose loans require it. Founded in 2003, CrossCountry Mortgage is headquartered in Brecksville, Ohio. The lender began as a solo venture by Ronald J. Leonhardt Jr., who now serves as president and CEO.

Good for 

Borrowers looking for a quick close, a wide array of loan options and an end-to-end digital mortgage

Loan types 

  • Conventional
  • Jumbo
  • FHA
  • VA
  • USDA
  • fixed-rate
  • Adjustable-rate
  • Rate-and-term, cash-out and streamline refinancing
  • Home equity line of credit (HELOC)
  • Construction and renovation loans
  • Reverse mortgage

Lender fees

CrossCountry Mortgage does not charge lender fees.


CrossCountry Mortgage does not advertise mortgage rates publicly 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.


CrossCountry Mortgage has a 2.9 out of five-star rating on Trustpilot (based on only 10 reviews, however.) Notably, the lender ranked fourth in 2021 for customer satisfaction in mortgage origination by J.D. Power.

Online services

Borrowers interested in a CrossCountry Mortgage loan can get prequalified or preapproved online after filling out a form, after which 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, there is a variety of resources available through the lender’s website, such as mortgage calculators, a mortgage glossary and videos.

Along with an online preapproval and application process, current borrowers can log into their My Loan Servicing account to make mortgage payments, view account information and review payment history.

Minimum borrower requirements 

CrossCountry Mortgage requires a sufficient income and credit history to qualify borrowers 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 (DTI) ratio of no more than 43 percent.

Jumbo loans, on the other hand, generally require a credit score of at least 660, a low DTI ratio and a minimum down payment of 10 percent. You can finance up to $5 million through a jumbo loan from CrossCountry Mortgage.

For an FHA loan, the lender requires a down payment of at least 3.5 percent, but has no DTI ratio restriction. VA loans require a minimum credit score of 620 and a lower DTI ratio. There are no credit requirements for USDA loans, but you need to meet income requirements and be located in an eligible rural area to qualify.

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.

Not sure if CrossCountry Mortgage is right for you? Consider these alternatives 

Breakdown of CrossCountry Mortgage overall review score

  • Affordability: 3/5
  • Availability: 5/5
  • Borrower experience: 4.3/5

Review methodology 

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.

CrossCountry Mortgage consumer reviews


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Level of service

100% of reviews would recommend this lender

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Write a review of your experience with Crosscounty Mortgage Inc .

Written by
Josephine Nesbit
Josephine Nesbit is a former contributor to Bankrate.
Edited by
Mortgage editor