SmartRatesUSA
Mortgage Lender Review📈 Top Loan Volume

CrossCountry Mortgage

Online Lender

30-yr fixed APR around 6.88%. Borrowers seeking down payment assistance or non-traditional (Non-QM) loan options.

At a Glance

30-Yr Fixed APR

6.88%

15-Yr Fixed APR

6.22%

Min. Credit Score

580

Min. Down Payment

3%

Lender Type

Online Lender

Avg. Closing Time

30–45 days

Key Features

Among the highest-volume retail mortgage lenders in the U.S.

Down payment assistance grant programs available in many markets

Extensive branch network with local loan officers nationwide

Pros & Cons

Pros

  • Very broad loan menu including Non-QM and renovation loans
  • Down payment assistance grants available in eligible areas
  • Strong local presence in most states

Tradeoffs

  • No published rate quotes online; must speak with a loan officer
  • Customer experience varies widely by branch

Best for: Borrowers seeking down payment assistance or non-traditional (Non-QM) loan options

Frequently Asked Questions

What credit score do I need for a mortgage with CrossCountry Mortgage?

CrossCountry Mortgage generally works with borrowers around 580+, though the exact rate and approval odds depend on your full credit profile, down payment, and loan program.

What loan types does CrossCountry Mortgage offer?

CrossCountry Mortgage offers Conventional, FHA, VA, USDA, Jumbo, Renovation, Non-QM. Availability can vary by state and property type, so confirm your specific loan program directly with the lender.

Does CrossCountry Mortgage charge lender fees?

CrossCountry Mortgage charges standard lender fees as part of closing costs — ask for a full Loan Estimate to see the exact breakdown before committing.

Other Mortgage Lenders

Rocket Mortgage

6.75% 30-yr fixed APR

Better Mortgage

6.49% 30-yr fixed APR

Navy Federal Credit Union

6.35% 30-yr fixed APR

Rates shown are illustrative national averages for 2026 and change daily based on market conditions, loan amount, credit score, and property type — always confirm current rates directly with the lender.

← Compare all mortgage lenders