CrossCountry Mortgage, founded in 2003, has grown to become the largest mortgage lender based in Ohio and a top 10 retail lender nationwide, with operations in all 50 states and a network of over 500 offices. It produced 83,365 loan units in 2024.
See today’s mortgage interest rates on TrueRate.
How CrossCountry Mortgage compares to other lenders
| Headquarters | Cleveland, OH |
| Website | https://www.crosscountrymortgage.com/ |
| Rate | 0.09% lower than the median rate |
| Lender fees | $1,490 (median) |
| Savings after 1 year, compared to the median interest rate | $70 |
| Added cost after 10 years, compared to the median interest rate | $2,643 |
| Added cost after 1 year (vs. Tomo Mortgage) | $2,507 |
| Added cost after 10 years (vs. Tomo Mortgage) | $13,828 |
For a $400,000 mortgage, CrossCountry Mortgage’s rates—a bit below the market average—and a relatively high lender fee of $1,490 result in modest first-year savings of $70, but about $2,643 in added cost over 10 years compared to the median lender. While CrossCountry may appeal to borrowers seeking brand recognition and national reach, many homebuyers will likely save by choosing a lender with lower rates and fees.
What customers are saying
CrossCountry Mortgage receives mixed reviews across major platforms. On Yelp, Google, and Zillow, borrowers often praise supportive loan officers who provide clear guidance and make the process less stressful. Bankrate and NerdWallet reviewers appreciate the efficiency of the online portal. However, negative feedback dominates on Yelp, Reddit, PissedConsumer, and the BBB, with frequent complaints about poor communication, hidden fees, and processing delays. Many borrowers report unresponsive staff and surprise charges at closing. While some find the company flexible during hardship (ConsumerAffairs), overall, inconsistent service and communication are common concerns.
How to compare mortgage lenders
Interest rates. Comparing rates between lenders isn’t always straightforward. Many promote low headline rates that require paying “points” upfront to buy down the interest rate. To make a true comparison, focus on the par rate (0 points) and the APR, which reflects both the interest rate and any lender fees. Even small differences can translate into significant savings over the life of the loan.
Lender fees or loan origination fees. Many lenders charge fees that add thousands to the cost of a loan. It’s important to look at both the rate and the fees together to understand the true cost of borrowing. For a $400,000 mortgage, avoiding even a $1,000 fee could contribute to meaningful savings in the first year and over the long term.
On-time close rate. Most lenders do not publicly share their on-time close rates. However, it’s a critical factor—especially if your home contract has tight deadlines. Asking about their process for meeting close dates, including underwriting and document review timelines, can give you more confidence when choosing a lender.
Pre-approval and offer letters. Some lenders offer fast pre-qualifications that may not be fully underwritten, which can weaken your offer in competitive markets. It’s important to ask whether a lender’s pre-approvals are fully underwritten and how credible their letters are when presented with an offer.
Customer satisfaction. If detailed customer review data isn’t readily available, check third-party review sites or ask the lender for references. It’s important to understand how they handle communication, responsiveness, and issue resolution throughout the loan process.
Employee reviews. Company culture often influences how clients are treated. A lender with strong employee satisfaction typically delivers better service, more organized processing, and a smoother overall experience for borrowers.
To better understand how we compare mortgage rates fairly, see our TrueRate Methodology.
If you’re ready to start your journey to homeownership, get pre-approved with Tomo Mortgage today.