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Should I use CrossCountry Mortgage?

Discover home loans with CrossCountry Mortgage, America's #1 Retail Mortgage Lender. Get pre-approved to buy a home, refinance, or tap into home equity today. - crosscountrymortgage.com

Depends. Reasonable fit if you want a very broad loan menu and a local loan officer — but get competing quotes first. Avoid if you need transparent published rates or a lender with a clean regulatory record.

Confidence

Medium. Based on 20+ public sources; many snippets truncated, limiting detail.

Ratings

  • Value for moneyNo published rates or fee comparisons in evidence
  • Ease of use
  • Feature depth
  • Support quality
  • Security posture

Pricing

Custom; quote-based rates

Home loans

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed

Best for

  • Borrowers wanting many loan options
  • First-time buyers using loan programs
  • Refinance and home-equity borrowers
  • Buyers wanting local branch loan officers

Not for

  • Rate shoppers wanting published prices
  • Borrowers on tight closing timelines
  • Anyone avoiding lenders with active regulatory actions
  • Borrowers wanting a fully online, transparent experience

Gotchas - check before you buy

high

Active regulatory scrutiny: Massachusetts cease-and-desist and California DFPI enforcement

medium

Rates are quote-based; no transparent published pricing to compare upfront

medium

RESPA kickback allegations and legal fights with Guild and loanDepot

medium

Mixed reviews; some borrowers report long waits and service frustration

Pros and cons

Pros

  • Huge loan selection, including reverse mortgages and home equity
  • Dedicated first-time homebuyer loan programs
  • Cut closing times by more than half with Blend digital platform
  • Adopted FICO Score 10 T for forward-looking credit assessment
  • National footprint with local branches across many states

Cons

  • Massachusetts regulator issued temporary cease-and-desist order
  • California DFPI enforcement action, December 2025
  • Accused of RESPA violations and kickbacks, August 2025
  • Borrower complaints describe long processing waits
  • Reviewers criticize rate transparency

Sources & method

Analyzed 9/30/2026 - 13 sources - No known vulnerabilities found in the sources reviewed.

official x2review x6security x1news x4

Key stats

  • Ease of use: 3/5

    Rating

  • Not disclosed

    Starting price

  • 13

    Sources

  • Analyzed

  • Value for money. No published rates or fee comparisons in evidence
  • Ease of use: 3/5. Blend digital platform reportedly halved closing times
  • Feature depth: 4/5. Very broad loan menu incl. reverse and specialty programs
  • Support quality: 2/5. Borrower complaints cite long waits and service issues
  • Security posture: 3/5. Vulnerability disclosure program exists; no known issues
  • 2003 Founded Privately owned lender
  • 184 WalletHub ratings User ratings
  • 171 Trustpilot reviewers Customer reviews
  • #1 Retail Mortgage Lender Claimed rank Self-reported tagline

Pricing

Home loans

Not disclosed

  • Purchase, refinance, home equity, reverse mortgages
  • Rates personalized per borrower
  • Lock2Sell rate-lock program offered

Security

No known vulnerabilities found in the sources reviewed.

What users say

Reviews are split: praise for loan variety and faster digital closings, but borrower complaints cite long waits and poor service.

“CrossCountry is the worst mortgage company.”
Reddit, r/Mortgages
“Decided to switch lenders and old lender is calling new ...”
Reddit, r/FirstTimeHomeBuyer
Full analysis

Based on 20+ public sources; many snippets truncated, limiting detail.

Big lender, huge loan menu — but active regulatory actions and mixed borrower reviews mean shop competing quotes.

Methodology

Based on 20+ public sources; many snippets truncated, limiting detail.

Sources

  1. CrossCountry Mortgage Review — Fortunefortune.com
    review
  2. CrossCountry Mortgage Review — Bankratebankrate.com
    review
  3. CrossCountry Mortgage Review — NerdWalletnerdwallet.com
    review
  4. CrossCountry Mortgage Reviews — WalletHubwallethub.com
    review
  5. CrossCountry Mortgage Reviews — Trustpilottrustpilot.com
    review
  6. Reddit: CrossCountry is the worst mortgage companyreddit.com
    review
  7. CrossCountry Mortgage accused of RESPA violations — HousingWirehousingwire.com
    news
  8. Massachusetts cease-and-desist order — Mass.govmass.gov
    news
  9. DFPI enforcement action — CA.govdfpi.ca.gov
    news
  10. CrossCountry Mortgage — Wikipediaen.wikipedia.org
    official
  11. Mortgage Interest Rates — CrossCountry Mortgagecrosscountrymortgage.com
    official
  12. Vulnerability Disclosure Program — CrossCountry Mortgagecrosscountrymortgage.com
    security
  13. CrossCountry cuts closing times with Blendblend.com
    news

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