CrossCountry Mortgage Review 2022

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Overall lender rating

Pros and cons

CrossCountry Mortgage interest rates and fees

CrossCountry Mortgage doesn’t display customized or sample rates online, which makes it hard for potential borrowers to gauge how much they might pay with this lender.

Most mortgage lenders charge lender fees as part of your closing costs. These fees are what you pay for the lender to do the work of originating and underwriting your loan. CrossCountry’s lender fees vary by state and branch, but are typically around $895, according to a spokesperson. 

CrossCountry Mortgage vs. Rocket Mortgage

Both CrossCountry Mortgage and Rocket Mortgage are good options if you value strong customer service. In J.D. Power’s 2021 study, Rocket Mortgage ranked No. 2 and CrossCountry ranked No. 4 in customer satisfaction. 

Rocket has fewer mortgage options than CrossCountry and doesn’t accept non-traditional credit in lieu of a credit score. But both lenders are solid options depending on your needs. 

CrossCountry Mortgage vs. Guild Mortgage

Guild Mortgage earned the No. 1 spot in customer satisfaction in J.D. Power’s annual study. It also offers a wide variety of loan types and accepts non-traditional credit from first-time homebuyers who have no credit score. 

To get a conforming mortgage with Guild, you’ll need a score of at least 620. CrossCountry Mortgage doesn’t have a set minimum score.

Guild and CrossCountry are very similar, so it may be worth it to get preapproved with both lenders if they both have options that meet your needs. Then, you can compare rates to see who offers the better deal.

How CrossCountry Mortgage works

You can get started with CrossCountry Mortgage online or over the phone. You can also use its “find a loan officer” search tool to find a loan officer or branch near you.

CrossCountry Mortgage lends mortgages in all 50 states. You have a variety of options when it comes to mortgage types, including conforming, FHA, VA, USDA, jumbo, and reverse mortgages. It also has home equity loans and HELOCs. It offers streamline refinances on all of its government-backed loans, and FHA 203(k) loans, which roll the cost to purchase a home and make repairs to it into a single mortgage.

This lender also offers a 2-1 buydown option on its fixed-rate conventional and government-backed mortgages. With a 2-1 buydown, your interest rate is reduced by 2% for the first year you have the mortgage, then it’s reduced by 1% for the second year.

CrossCountry Mortgage doesn’t set minimum credit scores on its loans, which means that if you have a low debt-to-income ratio and a large down payment, you may be able to qualify with a lower score. If you don’t have a credit score, you may be able to use non-traditional credit data to qualify, depending on the type of loan you’re getting.

Is CrossCountry Mortgage trustworthy?

CrossCountry Mortgage has an A+ rating from the Better Business Bureau. 

A strong BBB grade indicates a company advertises honestly, responds effectively to customer complaints, and is transparent about business practices.

CrossCountry earned the No. 4 spot in J.D. Power’s annual mortgage originator customer satisfaction study. It also has a 4.97 out of 5 stars on its Zillow lender profile, based on 18,111 online customer reviews.

CrossCountry Mortgage FAQ