CrossCountry Mortgage Review 2022

Good for: borrowers who want a variety of home loan options, including a home equity line of credit and government-backed renovation loan.
Jul 7, 2022

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Our Take


NerdWallet rating 

The bottom line:

CrossCountry offers many loan options and extensive online capabilities, but mortgage rates aren’t posted online.

CrossCountry Mortgage
CrossCountry Mortgage: NMLS#3029
Min. credit score
Min. down payment
Loan types and products
Purchase, Jumbo, VA, FHA, Home Equity, Refinance

Pros & Cons


  • Provides numerous online conveniences, including loan application and process updates.
  • Offers a wide variety of mortgage loan types and products.


  • Doesn't display information online about rates and fees.
  • Origination fees are higher than average.

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Full Review

What mortgage borrowers say: 

NerdWallet’s lender star ratings assess objective qualities, including rates, fees and loan offerings. To assess borrowers’ subjective experiences with lenders, NerdWallet has gathered customer satisfaction ratings from J.D. Power and Zillow.

CrossCountry receives an 874 in J.D. Power’s 2021 Primary Mortgage Origination Satisfaction Study. The score is out of 1,000, with 851 being the industry average. (Learn more about the difference between mortgage origination and servicing.)

As of the date of publication, CrossCountry receives a 4.97 according to customer reviews on Zillow. Scores are out of 5, and reflect more than 17,215 customer reviews.

Variety of loan types: 5 of 5 stars:

CrossCountry Mortgage offers a wide variety of mortgage and refinance loan types and products, including home renovation and jumbo loans. The lender also offers government-backed VA, FHA and USDA loans.

CrossCountry HELOC: The lender also offers a home equity line of credit, or HELOC. These first or second mortgages are a way for homeowners to access existing home equity without refinancing or selling their homes. Funds obtained with a second mortgage can be used for expenses such as home improvements, education costs or debt consolidation. CrossCountry offers HELOCs with fixed or variable interest rates.

Ease of application: 5 of 5 stars

CrossCountry’s digital interface allows you to apply through its website. You can upload documents, download loan disclosures, track the progress of your loan and e-sign most required paperwork. If you prefer to apply over the phone or in person, those options exist as well.

Mortgage rates and fees: 3 of 5 stars

  • CrossCountry Mortgage earns 2 of 5 stars for average origination fee.

  • CrossCountry Mortgage earns 3 of 5 stars for offered mortgage rates compared with the best available rates on comparable loans.

Borrowers should consider the balance between lender fees and mortgage rates. While it's not always the case, paying upfront fees can lower your mortgage interest rate. Some lenders will charge higher upfront fees to lower their advertised interest rate and make it more attractive. Some lenders just charge higher upfront fees.

Mortgage rate transparency: 1 of 5 stars

CrossCountry doesn't post current mortgage rates on its website, so you'll need to contact a loan officer for a rate quote.

More from NerdWallet


NerdWallet’s overall ratings for mortgage lenders are evaluated based on four major categories: variety of loan types (purchase, refinance, fixed and adjustable, for example), ease of application, rates and fees and rate transparency. Among the factors we consider when scoring these categories are options to apply for and track loans online, the level of detail about mortgage rates on lender websites and our analysis of the rates and fees lenders reported in the latest available Home Mortgage Disclosure Act data. These scores generate ratings from 1 star (poor) to 5 stars (excellent).