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CrossCountry Mortgage Review 2026
Last updated on January 16, 2026
Written by
Lead Writer & Content StrategistCo-written by
Lead Writer & Content StrategistWritten by
Lead Writer & Content StrategistCo-written by
Lead Writer & Content StrategistMany or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Why trust NerdWallet
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Our Take
3.5
Home loans overall
NerdWallet rating
The Nerdy headline:
CrossCountry Mortgage stands out for its wide range of loan types, including FHA loans and less common options. Down payment assistance is available. However, the lender earns relatively low marks for customer satisfaction during origination. May appeal to borrowers looking for a fast closing.
Jump to:Full Review
CrossCountry Mortgage: NMLS#3029
Min. credit score
620
Min. down payment
3%
Loan types and products
Purchase, Jumbo, VA, FHA, Home Equity, Refinance, USDA
Pros
- Reported average time to close is 21 days, far shorter than the national average.
- Borrowers with credit scores as low as 500 may qualify for a mortgage.
- Down payment grants up to $5,250 is available for qualified first-time home buyers.
Cons
- Rates aren’t posted online.
- Borrowers can’t apply online without talking to a loan officer first.
- Mobile app is not geared toward borrowers.
Lender | Min. credit score | Min. down payment | |
|---|---|---|---|
 Visit Lenderat NBKC at NBKC | 620 | 3% | Visit Lenderat NBKC at NBKC |
 Visit Lenderat New American Funding at New American Funding | 580 | N/A | Visit Lenderat New American Funding at New American Funding |
 Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC | 580 | 3.5% | Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC |
 4.0 Visit Lenderat GO Mortgage at GO Mortgage | 620 | 3% | Visit Lenderat GO Mortgage at GO Mortgage |
 Visit Lenderat Veterans United at Veterans United | 620 | 0% | Visit Lenderat Veterans United at Veterans United |
Full Review
At a glance: CrossCountry Mortgage loan options
CrossCountry Mortgage is a nonbank lender based in Cleveland, Ohio. The lender is licensed in all 50 states, plus Washington, D.C. and Puerto Rico.
CrossCountry Mortgage offers more loan types than most lenders, including mortgages for nontraditional borrowers.
🏠 Common mortgages
- Conventional loans (fixed and adjustable)
- Refinancing
- Jumbo loans
- FHA loans
- VA loans
🔑 Specialty loans
- Renovation loans
- USDA loans
- Interest-only loans
- Co-op loans
- Nonwarrantable condo loans
- Mortgages for second homes
- Mortgages for manufactured homes
- Mortgages for self-employed borrowers
- Reverse mortgages
- Physician loans
- ITIN loans
- Construction-only loans
- Construction-to-permanent loans
- Non-QM mortgages
- Bridge loans
💵 Home equity
- HELOCs
- Home equity loans
- Cash-out refinancing
» MORE: How to choose a mortgage lender
CrossCountry Mortgage special offers and discounts
In addition to a variety of loan types that can make homeownership more accessible, CrossCountry’s down payment grants stood out in our research.
- CCM Smart Start: Up to $5,250 for first-time home buyers who earn no more than 80% of their county area median income.
- CCM Community Promise: $6,500 for qualifying first-time home buyers who currently live in Chicago, Philadelphia or Detroit (though your new home can be anywhere in the U.S.).
- Freddie Mac BorrowSmart: A down payment grant up to $1,250 for borrowers who meet income limits. Customers are not required to be first-time buyers.
What does CrossCountry Mortgage specialize in?
A lender’s experience with your loan type can make a big difference. We looked at the latest federal data to find the types of mortgages CrossCountry Mortgage handles most often.
Conventional is the most common, but CrossCountry Mortgage issues a good amount of FHA loans, too — these made up a quarter of the lender’s purchase loans last year.
CrossCountry reputation and customer experience
NerdWallet’s star ratings look at objective factors like rates, fees and loan options. To give you a sense of what the borrower experience is really like, we pulled the latest customer satisfaction scores from J.D. Power and Zillow and we contacted the lender’s customer support.
2025 J.D. Power U.S. Mortgage Origination Satisfaction Study
735
out of 1,000
Below-average satisfaction score: average = 760.
Mortgage origination covers the application through closing.
2025 J.D. Power U.S. Mortgage Servicing Satisfaction Study
606
out of 1,000
Average satisfaction score: average = 596.
A mortgage servicer handles loan payments.
Zillow Mortgage Lender Customer Rating
4.97
out of 5
Excellent rating as of the date of publication.
Rating reflects roughly 23,000 customer reviews.
CrossCountry Mortgage customer service options
Here’s how you can get in touch with CrossCountry Mortgage.
Ways to reach CrossCountry
Physical branches . . . . . . ✅
Phone support . . . . . . . . . ✅
Mobile app . . . . . . . . . . . . 🚫
Online chat (bot) . . . . . . . 🚫
Online chat (human) . . . . 🚫
🤓 Our Nerds say... no mobile app for customers
Taylor Getler, lead writer, mortgages
Borrowers can contact CrossCountry Mortgage customer service over the phone or in person at a branch location. While the lender has an app, it’s designed for loan officers, not customers. When we called the lender, we were immediately connected with a representative who was able to answer our questions.
Alternatives to CrossCountry Mortgage
Our biggest tip: Get offers from at least three different mortgage lenders. Comparison shopping can save you thousands of dollars. You can get rate quotes yourself, or work with a mortgage broker to shop around on your behalf.
Nontraditional borrowers could be a good fit for Guild, which offers many of the same alternative loan types as CrossCountry Mortgage.
FHA borrowers may be interested in applying with Rocket Mortgage. Like CrossCountry Mortgage, FHA loans made up a quarter of the Rocket’s purchase originations last year.
Finally, borrowers turned off by CrossCountry Mortgage’s low customer satisfaction during origination may want to apply with Movement. Among lenders reviewed by NerdWallet, Movement was the highest ranked lender in J.D. Power’s 2024 U.S. Mortgage Origination Satisfaction Study.
More from NerdWallet
Methodology
NerdWallet rates mortgage lenders based on what matters most to borrowers: rates and fees, product accessibility, customer experience, rate transparency and the range of loan options.
We review more than 40 lenders and score them using a weighted system that prioritizes affordability and a smooth borrowing experience. Lenders earn higher scores for offering lower borrowing costs, making loans widely available, clearly displaying rate information and supporting borrowers from application through closing.
We use a mix of lender-provided information, publicly available data and our own research and analysis to evaluate each lender. Recent regulatory actions may affect a lender’s score.