CrossCountry Mortgage review 2026

Core Insights - CrossCountry Mortgage is a significant player in the mortgage lending market, providing services across all 50 states and Puerto Rico, but lacks transparency in publishing its rates and fees online, which may deter some borrowers [2][20][27] Group 1: Company Overview - CrossCountry Mortgage is one of the largest mortgage lenders in the U.S., licensed to operate in all 50 states and Puerto Rico, with over 700 branches [2][31][33] - The company closed over $35 billion in home loans in 2024, employing more than 3,000 loan originators [32][33] Group 2: Loan Products and Features - CrossCountry offers a variety of loan products including FHA, VA, USDA, conventional, and jumbo mortgages, as well as renovation loans and cash-out refinance options [5][6][11][30] - The lender provides up to $4,000 in down payment assistance for qualified buyers and has a "Buy Now, Refinance Later" promotion offering a $1,500 credit on closing costs [5][11] - FastTrack loans can close quicker than traditional mortgages, with non-Fast Track loans typically closing in about 21 days [5] Group 3: Interest Rates and Loan Costs - CrossCountry Mortgage scored 2 out of 5 stars for mortgage rates and 1 out of 5 stars for total loan costs, indicating higher-than-median mortgage rates of 6.75% and total loan costs of $8,174.70 in 2024 [20][34] Group 4: Customer Experience and Resources - The company provides extensive resources for first-time home buyers, including educational articles, calculators, and a dedicated "First-Time Homebuyer Hub" [24][25] - However, CrossCountry's lack of online rate transparency and lower customer satisfaction ratings compared to competitors like Rocket Mortgage may impact its appeal [27][28]