CrossCountry Mortgage Review 2025
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- 50+ mortgage lenders reviewed and rated by our team of experts.
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Our Take
4.0
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.
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 Brecksville, OH. Loans are available nationwide.
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.
How we score CrossCountry Mortgage
Each year, NerdWallet writers and editors use the latest data and independent research on mortgage lending. Then, we rate lenders based on categories that matter most to mortgage borrowers.
CrossCountry Mortgage has a NerdWallet home loans rating of three stars overall. Here’s a breakdown of this year’s score.
Category | Star rating |
|---|---|
Average mortgage rates and fees | |
Mortgage rate transparency | |
Variety of loan types | |
Customer experience | |
Overall star rating |
Ah, so you’re the “read the fine print” type? We got you. Here’s how our scoring rubric works.
Average mortgage rates and fees (30%)
We review federal data (as reported by the lenders) and analyze mortgage lenders’ average fees and interest rates across all loan types. Lenders with the lowest average costs get the highest star ratings. Keep in mind: Loans that are easier to qualify for, like FHA loans, usually have higher rates and fees because lenders see them as a higher risk. Pro tip: Paying some fees upfront can sometimes lower your interest rate.
Mortgage rate transparency (25%)
We look at how easy it is to compare mortgage rates online. Lenders get higher transparency ratings if they show sample rates on their website. (Not all lenders do!) The best ratings go to lenders that offer interactive tools that let you customize a rate quote on your own.
Variety of loan types (25%)
There’s no one-size-fits-all mortgage. Lenders earn top ratings in this category when they offer a large variety of mortgage types. The more variety, the higher their score. A lender earns points for purchase and refinance; fixed and adjustable rates; FHA, VA or USDA loans; renovation or construction loans; and home equity loans or HELOCs.
Customer experience (20%)
How easy is it to work with this lender? Top-rated lenders offer helpful features like online applications, multiple ways to get support, a user-friendly mobile app and clear updates about the loan closing timeline.
CrossCountry Mortgage bonus points and penalties
CrossCountry Mortgage earned bonus points for offering assistance to first-time home buyers; for offering at least one loan product with a stated credit score minimum below 600; and for offering a conventional mortgage for manufactured homes.
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.
2024 J.D. Power U.S. Mortgage Origination Satisfaction Study
663
out of 1,000
Above-average satisfaction score: average = 727.
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 more than 22,300 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
NerdWallet’s overall ratings for mortgage lenders are evaluated based on four major categories: average mortgage rates and origination fees, rate transparency to consumers, variety of loan types (purchase, refinance, fixed and adjustable, for example) and customer experience. Among the factors we consider in these categories are: options to apply for home loans online, typical time to close, mobile app experience, level of detail about mortgage rates on lender websites, and NerdWallet’s own analysis of the rates and fees lenders reported in the latest available Home Mortgage Disclosure Act data. These and other items inform detailed rubrics, which generate ratings from 1 star (poor) to 5 stars (excellent). Read more about how we rate mortgage lenders here.
