Skip to navigationSkip to main content':"";if(a){var r=n.promos.showYahooLogo?"":"yns-no-logo";a=a.replace("{notifOnboardBtnLabel}",n.promos.notifOnboardBtnLabel).replace("{notifOnboardMsg}",n.promos.notifOnboardMsg).replace("{subscriptionTopic}",n.promos.subscriptionTopic).replace("{noLogoClass}",r).replace("{promoLogo}",n.promos.promoLogo)}var s=t.newCount>n.panel.maxCount?t.newCount:"",c=n.panel.notificationCenterPath,l=c?"":R,u=n.panel.headerMsg?"":" "+R,d=c?H:"",p=void 0;t.count?p=t.markup:p='{emptyPanelMsg}'.replace("{emptyPanelMsg}",n.panel.emptyPanelMsg);return e=e.replace("{notifMarkup}",p).replace("{promoMarkup}",a).replace("{hideClass}",l).replace("{notifCenterLink}",c).replace("{paddingClass}",d).replace("{headerMsg}",n.panel.headerMsg).replace("{hideHeaderClass}",u).replace(/{notificationCenterNavMsg}/g,n.panel.notificationCenterNavMsg).replace(/{newCount}/g,s)}},{key:"render",value:function(e,t){var n=this;if(n._panelNode){var o=void 0,i=n._panelNode,a=void 0,r=void 0;switch(e){case"expanded_panel":o='{promoMarkup}{notifMarkup}',r=n._store.getNotifications(),a=n._generatePanelMarkup(o,r),i.innerHTML=a;break;case"error_panel":a=(o='{errorMsg}').replace("{errorMsg}",n._config.panel.errorMsg),i.innerHTML=a}t&&t()}else t&&t(new Error("No panel parent"))}},{key:"createPanelParentNode",value:function(e){e&&(e.innerHTML='',this._panelNode=document.getElementById(P))}},{key:"updateBadgeNode",value:function(e){if(e){var t=this._store.getNotifications().newCount,n=this._config.badge.maxCount;if(t){var o=t>n?n+"+":t;e.innerHTML=o}else e.innerHTML=""}}},{key:"addStyles",value:function(e){if(e&&"undefined"!=typeof window){var t=document.getElementById(this._config.panel.styleTagId);t||((t=document.createElement("style")).type="text/css",t.id=this._config.panel.styleTagId,t.innerText=e,document.head.appendChild(t))}}}]),e}(),j=function(){function e(t,n,o){E(this,e);var i=this;i._store=n,i._view=o,i._config=t;var a=i._config.panel;i._panelParentNode=document.querySelector(a.parentSelector),i._badgeNode=i._config.badge.selector&&document.querySelector(i._config.badge.selector),i._indicatorNode=a.indicatorSelector&&document.querySelector(a.indicatorSelector)}return k(e,[{key:"createPanelParentNode",value:function(){this._view.createPanelParentNode(this._panelParentNode),this._notifPanelNode=document.getElementById(P)}},{key:"refreshPanelNode",value:function(e,t){var n=this;x(n._notifPanelNode,D),n._store.fetchNotifications(e,(function(e,o){var i=window.wafer&&window.wafer.base;i&&i.destroy(n._notifPanelNode),e?n._notifPanelNode.innerHTML||(n._view.render("error_panel"),x(n._notifPanelNode,D)):(n._view.render("expanded_panel"),n._view.updateBadgeNode(n._badgeNode),n._showBadge(),n._showIndicator(),n._view.addStyles(o.css)),N(n._notifPanelNode,D),i&&i.sync(n._notifPanelNode.parentNode),t&&t(e,o)}))}},{key:"resetBadge",value:function(){var e=this;e._store.resetNewCount(),e._view.updateBadgeNode(e._badgeNode),x(e._badgeNode,e._config.badge.hideClass)}},{key:"_showIndicator",value:function(){this._indicatorNode&&(this._store.getNotifications().newCount?x(this._indicatorNode,this._config.panel.indicatorClass):N(this._indicatorNode,this._config.panel.indicatorClass))}},{key:"_showBadge",value:function(){var e=this;e._store.getNotifications().newCount?N(e._badgeNode,e._config.badge.hideClass):x(e._badgeNode,e._config.badge.hideClass)}}]),e}(),Y={promos:{eligibleBodyClass:"display-push-promos",enableNotifOnboard:!0,bypassEligibleClassCheck:!1,notifOnboardBtnLabel:"Notify Me",notifOnboardMsg:"Get alerts for breaking news and top stories",promoLogo:"https://s.yimg.com/cv/apiv2/ae/news/circle_bell.png",showYahooLogo:!0,subscriptionTopic:"gondor_homerun_news"},badge:{hideClass:"",maxCount:5,selector:""},panel:{emptyPanelMsg:"You have no new 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n;t.logoImages&&(n=t.logoImages).length>0&&Array.prototype.forEach.call(n,(function(e){e.onerror=function(){e.onerror=null,e.style.display="none"}})),t.wrapper&&(function(e,t){e&&(xe("#ybar-logo","#ybar-logo",t),t.onDestroy((function(){e.classList.remove("ybar-show-outline"),e.classList.remove("ybar-hide-outline")})))}(t.wrapper,e),function(e,t){t&&e.addElementListener(t,"click",(function(){e.triggerEvent("logo-click")}))}(e,t.wrapper))};ge("ybar-mod-logo",(function(e){var t={wrapper:document.getElementById("ybar-logo"),logoImages:document.querySelectorAll(".".concat(Ut))};jt(e,t)}));var Yt={"dropdown-open":"_yb_1qr55t8","merchant-is-selected":"_yb_hpfgev",overlay:"_yb_1t4opbo","selected-merchant-clear-button":"_yb_sdzekv","shops-buttons":"_yb_1gmhi8h","styled-select":"_yb_1fed2vs",tooltip:"_yb_156j5sr","tooltip--show":"_yb_t94u7s",tooltip__text:"_yb_149d3c6",tooltip__voice:"_yb_rkldcd",tooltip__web:"_yb_1bze76z",dark:"_yb_of9a42",darker:"_yb_1br2rz9",light:"_yb_p0373k","search-border-gradient":"_yb_109k2ga","search-border-gradient-hover":"_yb_vljmzl",midnight60:"_yb_1o792pg","search-input-uh3-hover":"_yb_15ox84z","search-input-uh3-focus-visible":"_yb_1e6541m","sa-btn-bar":"_yb_1axm66t","searchbox-icon-uh3":"_yb_1uef33k",empty:"_yb_owcm9n"},Ft=function(e,t){var n=Math.max(e,t),o=Math.min(e,t),i=Math.abs(n-o);return b([],h(new Array(i+1)),!1).map((function(e,t){return o+t}))},zt=function(e,t,n){var o=e.getConfig().bucketConfig,i=(void 0===o?{}:o).enable_search_ui,a=void 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n=e.getConfig();"smartphone"===n.device&&("finance"===n.property&&"crunch"===n.ytheme&&e.addElementListener(t.searchInput,"click",(function(){var n,o;n="search_input_focus_click",null!==(o=re())&&(oe[n]||(oe[n]=o)),e.addElementListener(t.searchForm,"click",(function(){if(t.ybar){if(t.ybar.classList.contains("ybar-searchbox-assist-fullscreen"))return;t.ybar.classList.add("ybar-searchbox-assist-fullscreen"),t.ybar.classList.add("ybar-searchbox-assist-fadein")}if(!document.documentElement.classList.contains("ybar-overlay")){document.documentElement.classList.toggle("ybar-overlay"),document.body.classList.add("ybar-overlay-noscroll");te("ybar","websrch","",{elm:"expand",subsec:"searchbox",itc:"1"})}}))})),e.addElementListener(t.searchBoxPlaceholder,"click",(function(){zt(e,t)})),e.addElementListener(t.searchBoxPlaceholder,"keydown",(function(n){var o=n,i=o.keyCode,a=o.key,r=Ft(65,90),s=b(b([],h(Ft(58,57)),!1),h(Ft(96,105)),!1),c=b(b([],h(r),!1),h(s),!1).includes(i);(32===i||13===i||c)&&(n.preventDefault(),n.stopPropagation(),zt(e,t,c?a:""))})),t.searchBoxBackButton&&(e.addElementListener(t.searchBoxBackButton,"click",(function(e){e.stopPropagation(),window.YAHOO&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&(window.YAHOO.SA.apps[0].view.resetQuery(),window.YAHOO.SA.apps[0].view.hide()),Wt(t);te("ybar","back-close-srch","",{elm:"btn",subsec:"searchbox",itc:"1"})})),e.addElementListener(t.searchInput,"keyup",(function(e){e.stopPropagation();27===e.keyCode&&(e.stopPropagation(),Wt(t))}))),e.addEventListener("viewerClosed",(function(){Wt(t)})),e.onDestroy((function(){Wt(t)})))},Kt=function(){function e(e,t,n){t&&(this.ybar=e,this.elem=t,this.options=n,this.show=this.show.bind(this),this.hide=this.hide.bind(this),this.addEventListeners())}return Object.defineProperty(e.prototype,"tooltip",{get:function(){var e=this;return this.tooltipMarkup||(this.tooltipMarkup=this.createTooltip(),(this.options.tooltipParentElm||this.elem).appendChild(this.tooltipMarkup),this.ybar.onDestroy((function(){var t,n;null===(n=null===(t=e.tooltipMarkup)||void 0===t?void 0:t.parentNode)||void 0===n||n.removeChild(e.tooltipMarkup)}))),this.tooltipMarkup},enumerable:!1,configurable:!0}),e.prototype.show=function(){this.tooltip.classList.add(this.options.showClass)},e.prototype.hide=function(){this.tooltip.classList.remove(this.options.showClass)},e.prototype.addEventListeners=function(){this.ybar.addElementListener(this.elem,"mouseenter",this.show),this.ybar.addElementListener(this.elem,"focus",this.show),this.ybar.addElementListener(this.elem,"mouseleave",this.hide),this.ybar.addElementListener(this.elem,"blur",this.hide)},e.prototype.createTooltip=function(){var e=document.createElement("div");e.className=this.options.containerClass||"";var t=document.createElement("p");return t.textContent=this.options.label,t.className=this.options.textClass||"",e.appendChild(t),e},e}(),Jt={containerClass:Yt.tooltip,textClass:Yt.tooltip__text,showClass:Yt["tooltip--show"]};ge("ybar-mod-searchbox",(function(e){var t,n=e.getConfig(),o={ybar:document.getElementById("ybar"),searchInput:document.getElementById("ybar-sbq"),buttonBar:document.querySelector(".".concat(Yt["sa-btn-bar"])),searchForm:document.getElementById("ybar-sf"),searchBoxIcon:document.querySelector(".".concat(Yt["searchbox-icon-uh3"])),searchBoxPlaceholder:document.getElementById("ybar-smartphone-searchbox-placeholder"),searchBoxBackButton:document.getElementById("ybar-search-back-btn"),shopsButtonsWrap:document.querySelector(".".concat(Yt["shops-buttons"])),categorySelect:document.getElementById("shops-category-select"),selectedMerchantInput:document.getElementById("selected-merchant-input"),selectedMerchantClearButton:document.querySelector(".".concat(Yt["selected-merchant-clear-button"])),submitSearchBtn:document.getElementById("ybar-search"),clearSearchBtn:document.getElementById("ybar-sbq-x"),searchGradientBorder:document.querySelector(".".concat(Yt["search-border-gradient"]))};if(function(e,t){var n,o,i,a=e.getConfig();if(t.ybar&&["desktop","tablet"].includes(a.device)&&(null===(n=a.bucketConfig)||void 0===n?void 0:n.highlight_searchassist)&&(null===(o=a.bucketConfig)||void 0===o?void 0:o.overlay_class)){t.ybar.setAttribute("data-ovrly-bkt",a.bucketConfig.overlay_class),null===(i=t.searchForm)||void 0===i||i.classList.add(Yt[a.bucketConfig.overlay_class]);var r=document.createElement("div");r.classList.add(Yt.overlay,Yt[a.bucketConfig.overlay_class]),document.body.appendChild(r),e.onDestroy((function(){document.body.removeChild(r)})),e.addElementListener(t.searchForm,"focusout",(function(e){if(t.searchForm&&t.searchInput){var n=e.relatedTarget;n&&!t.searchForm.contains(n)&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&window.YAHOO.SA.apps[0].view.shown&&window.YAHOO.SA.apps[0].view.hide()}}))}}(e,o),Gt(e,o),o.searchGradientBorder){var i=!1;o.searchInput.addEventListener("keydown",(function(e){var t=e.code,n=e.key,a=t.startsWith("Key"),r=t.startsWith("Digit"),s=/^[!@#$%^&*()_+\-=[\]{};':"\\|,./?`~]$/.test(n);(a||r||s)&&!i&&(o.searchGradientBorder.classList.add("".concat(Yt["search-border-gradient-hover"])),i=!0)})),e.addElementListener(o.searchForm,"mouseover",(function(){i||o.searchGradientBorder.classList.add("".concat(Yt["search-border-gradient-hover"]))})),e.addElementListener(o.searchForm,"mouseout",(function(){i||o.searchGradientBorder.classList.remove("".concat(Yt["search-border-gradient-hover"]))})),e.addElementListener(o.searchInput,"click",(function(){i=!0})),e.addElementListener(o.searchInput,"blur",(function(){o.searchGradientBorder.classList.remove("".concat(Yt["search-border-gradient-hover"]))}))}o.searchForm&&(e.addElementListener(o.searchBoxIcon,"mouseover",(function(){o.searchForm.classList.add("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.searchBoxIcon,"mouseout",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.buttonBar,"mouseover",(function(){o.searchForm.classList.add("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.buttonBar,"mouseout",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.searchInput,"keyup",(function(e){"Tab"===e.key&&o.searchForm.classList.add("".concat(Yt["search-input-uh3-focus-visible"])),o.searchInput.classList.toggle("".concat(Yt.empty),""===o.searchInput.value)})),e.addElementListener(o.searchInput,"keydown",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-focus-visible"]))})),e.addElementListener(o.searchInput,"focusout",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-focus-visible"]))})),e.addElementListener(o.submitSearchBtn,"click",(function(e){""===o.searchInput.value.trim()&&e.preventDefault()})),e.addElementListener(o.clearSearchBtn,"click",(function(){o.searchInput.classList.add("".concat(Yt.empty))}))),o.submitSearchBtn&&"crunch"===n.ytheme&&new Kt(e,o.submitSearchBtn,m(m({},Jt),{label:null!==(t=n.i18n.root.SEARCH_TOOLTIP_WEB)&&void 0!==t?t:"Search the web",containerClass:"".concat(Yt.tooltip," ").concat(Yt.tooltip__web),tooltipParentElm:o.clearSearchBtn.parentElement}))}));var Vt="_yb_tdk4ba",$t="_yb_hkd17a",Xt="_yb_rtzclf",Zt="_yb_tdbhj6",Qt="_yb_de52ef",en="_yb_9hwrey",tn="_yb_slc8ta",nn="_yb_bf0svp",on="_yb_hjic9z";ge("ybar-mod-adaptivenav",(function(e){var t=document.querySelector("#ybar-l1-more-menu ul"),n={moreDropDown:document.querySelector(".".concat(Vt)),moreBtn:document.querySelector(".".concat($t)),wrap:document.querySelector(".".concat(Zt)),moreSectionTitle:document.querySelectorAll(".".concat(Qt)),editionsCtaBtn:document.querySelector(".".concat(en)),editionsMenu:document.querySelector(".".concat(tn)),closeBtn:document.querySelector(".".concat(nn)),moreMenuDropDownHeight:t?"".concat(t.offsetHeight+48,"px"):"0"};new 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See our Advertiser Disclosure.E. Napoletano · ContributorUpdated Thu, January 1, 2026 at 12:00 PM GMT+1 9 min readThe Yahoo Finance View: With a wealth of resources for first-time buyers, CrossCountry Mortgage could be a wise choice for those new to the mortgage game. However, its interest rates and loan costs were higher than those of other lenders.CrossCountry Mortgage is one of the largest mortgage lenders in the nation, offering loans to borrowers in all 50 states and Puerto Rico. Our bone to pick? CrossCountry doesn’t publish its rates or fees online. However, that might be a moot point for novice borrowers who prefer to connect with a lending professional early in the rate-shopping process.Key benefitsUp to $4,000 in down payment assistance is available for qualified buyers.Offers FHA, FHA 203(k), VA, USDA, conventional, and jumbo mortgages.Offers both fixed-rate and adjustable-rate loans.Its FastTrack loans could close quicker than traditional mortgages.The lender states that non-Fast Track loans tend to close in roughly 21 days.A wide range of resources for first-time home buyers.Its Buy Now, Refinance Later promotion offers a $1,500 credit on closing costs to help you close now and refinance at a lower rate. Valid through 3/31/26.CCM Equity Express HELOCs can close and fund fast — "in a few days," the lender says.Need to knowCrossCountry's website doesn’t publish mortgage rates or loan fees, making it difficult to compare its offerings with those of other lenders.CrossCountry doesn’t offer an online preapproval option. You’ll likely need to connect with a local loan officer to start the loan process.Visit CrossCountry Mortgage's website to get started.CrossCountry Mortgage offers the following types of home loans:Purchase loansRefinance loansCash-out refinance loansConventional loansJumbo loansFHA loansRenovation loansVA loansUSDA loansAdjustable-rate loansFixed-rate loansInvestment property loansSecond home loansManufactured home loansHELOCsBuydown programsNon-qualified mortgagesReverse mortgagesCrossCountry Mortgage does not offer the following types of home loans:Lot loansGuest house aka ADU loansEnergy-efficient loans1% down loansBridge loansPiggy-back loansITIN mortgagesMedical professional loansHome equity loansMORE: See CrossCountry on our list of the best reverse mortgage companies.While finding information on CrossCountry’s FHA loan options isn’t easy, they offer all the most popular FHA purchase and refinance loans.To qualify for an FHA purchase loan with CrossCountry, you’ll need to meet these requirements:Down payment: 3.5%Monthly mortgage payment: Capped at 30% of your gross (pre-tax) incomeEmployment history: At least two consecutive yearsIncome verification: RequiredIf you meet these requirements for an FHA loan and qualify with CrossCountry’s underwriting team, you can buy various home types: a one-to-four-unit family home, a condo, or a manufactured home on a permanent foundation. You could also be eligible for one of the lender’s down payment assistance programs worth up to $4,000.Have your eye on a fixer-upper? CrossCountry offers two versions of the popular FHA 203(k) home renovation loan. With the limited option, you can finance up to $75,000 in eligible home renovations (recently updated from a $35,000 cap). The standard option allows for a minimum of $5,000 in repairs with no upper limit, letting you make more in-depth renovations to a home needing some TLC.CrossCountry also offers FHA refinancing options, including the FHA cash-out refinance and FHA Streamline Refinance programs. While the Streamline Refinance option is only available to those with an existing FHA-backed mortgage, the cash-out refi option is open to those with other types of mortgages who want to refinance into an FHA loan.MORE: Discover the best FHA loan lenders.Up NextNon-QM loans: How a non-qualified mortgage can help you buy a homeIs it a good time to buy a house?6 times when it makes sense to refinance your mortgageIf you want to tap your home’s equity without doing a cash-out refinance, CrossCountry offers two home equity line of credit (HELOC) options: the CCM Equity Express Flex and the Equity Expressed Fixed.With both CCM Equity Express HELOCs, loan amounts range from $25,000 to $400,000. You’ll need a loan-to-value (LTV) ratio of up to 80% for Express Flex and 85% for Express Fixed. The Express Flex HELOC rates are variable, with a five-year interest-only payment term followed by a 25-year repayment period. Its Express Fixed HELOCs have fixed interest rates and loan terms ranging from five to 30 years.CrossCountry offers HELOCs in most states, but there are exceptions. You cannot get an Equity Express Fixed HELOC if you’re a resident of New York or Puerto Rico. Homeowners in Puerto Rico are not eligible for the Equity Express Flex HELOC.The application and closing process for all HELOCs with this lender is 100% digital. The company boasts application approvals in as little as five to 10 minutes and funding in a few days. Actual approval and funding timelines can vary.Boy, we wish we could tell you about the fees on CrossCountry’s HELOCs, but the lender’s website doesn't offer any information. You’ll need to speak with a loan officer for details.MORE: See our picks for the best HELOC lenders.We wish we could offer more insight on CrossCountry Mortgage’s loan rates, but this lender doesn't publish rates on its website.We know that the last thing you might want to do is talk to a real, live human before you know what kind of rates a company offers on its mortgages. We dive a bit deeper into this lender’s interest rates and loan costs below, which can be food for thought before you pick up the phone and dial.Learn how to get the lowest mortgage rates.Yahoo Finance uses 2024 Home Mortgage Disclosure Act (HMDA) data from nearly 5 thousand home loan companies to score mortgage lenders on issued mortgage rates and total loan costs. We score each lender on a scale of 1 (lowest) to 5 (highest).For instance, regarding mortgage rates, a lender with a lower score charged a higher-than-median mortgage interest rate for loans issued in 2024. A higher score indicates that a lender granted borrowers lower-than-median home loan interest rates in 2024.With total home loan costs, a lower score would indicate that a lender charged higher-than-median total home loan costs in 2024. A high rating would mean a mortgage lender offered lower-than-median all-in home loan costs in 2024.CrossCountry home loan rates score: 2 out of 5 starsCrossCountry total loan costs score: 1 out of 5 starsWhat this means: CrossCountry Mortgage offered borrowers in 2024 a higher-than-median mortgage rate of 6.75% and a relatively high loan cost of $8,174.70.You have a few options when applying for a mortgage with CrossCountry. You can start the application online and connect with a loan officer to complete the process. You can also apply in person at one of CrossCountry’s 700+ branches in the U.S. and Puerto Rico. Finally, you can choose to do everything over the phone.For buyers still in the shopping phase, you can also request a rate quote online. The easiest way to make this happen is to scroll down to the bottom of any webpage and click on “Get A Rate Quote” in the footer under Popular Pages.To get preapproved for a mortgage with CrossCountry, you can start with its online prequalification form. Once you hit submit, a loan officer will reach out to review your finances and loan options. For full preapproval, you’ll need to submit additional information and allow a hard credit check. Once the lender has all the information necessary to make a lending decision, your loan officer can provide a preapproval amount and interest rate estimate.Buying a home is among life’s most stressful events, so we value lenders that offer resources to soothe the nerves. In this department, CrossCountry delivers to a tee.One click on “Resource Center” from the main navigation cracks open an educational oyster. Here, you’ll find everything from an article and video library to eight calculators and a glossary of home-buying terms. There’s even a “First-Time Homebuyer Hub” available under the “Buy a Home” tab. Indeed, this collection of resources is a salve for curious souls.Curious if CrossCountry offers FHA or VA loans? Click on "Loans" in the top right hamburger menu, and a page of all of your options is revealed.How much house can I afford? Use the Yahoo Finance home affordability calculator.CrossCountry has a wide variety of loan programs for multiple buyer profiles.With its vast array of calculators, informational articles, and other resources like FAQs and a glossary, CrossCountry shines with its online features.CrossCounty fails in our Rate Transparency category since it doesn’t publish rates online.CrossCountry ranks well below average for customer satisfaction in the 2025 J.D. Power survey.Rocket Mortgage comes out ahead of CrossCountry in multiple departments. Rocket ranks just above average in J.D. Power customer satisfaction rankings compared to CrossCountry’s low ranking. Rocket also offers powerful resources that CrossCountry doesn’t. Its 1% down option is a major benefit for first-time home buyers, plus its down payment assistance program tops out at $7,500 for qualified buyers compared to $4,000 with CrossCountry.On the other hand, CrossCountry offers several types of home loans you won’t find with Rocket Mortgage, such as USDA loans, renovation loans, and investment property mortgages.Rocket Mortgage reviewFirst-time buyers and those without much money for a down payment will probably be better off with CrossCountry versus Better Mortgage. While both lenders offer fast approvals and closing processes, only CrossCountry offers multiple options with low down payments and flexible credit guidelines, including VA and USDA loans — neither of which are offered by Better. And while Better publishes rates, they come with lofty assumptions, including 20% down and a credit score of 760 or higher.Better Mortgage reviewYes, CrossCountry Mortgage is a direct mortgage lender. It’s licensed to originate mortgages in all 50 U.S. states, Washington, D.C., and Puerto Rico.CrossCountry Mortgage has more than 3,000 loan originators. In 2024, they closed over $35 billion in home loans.Yes, CrossCountry Mortgage is nationwide. It’s licensed to lend in all 50 states, Washington, D.C., and Puerto Rico, and it has more than 700 branch offices to service its customers.Methodology:Yahoo Finance reviews mortgage lenders based on five primary considerations: 1) Interest rates. Using 2024 Home Mortgage Disclosure Act data from almost 5,000 mortgage companies, we analyze mortgage lenders based on issued mortgage rates below or above the annual median of reporting lenders. 2) Affordability. A measure of loan product availability and the willingness of a lender to offer government-backed loans, low down payments, down payment assistance, and consideration of nontraditional credit. 3) Loan costs. HMDA data is again analyzed, and total loan costs are compared to the annual median. 4) Rate transparency. The ability of a website user to obtain a mortgage interest rate estimate. We also consider whether rates are enhanced with discount points or high credit score requirements, disclaimers revealing rate assumptions, sample advertised rates, and whether adjustable or no discount point rate estimates are available. 5) Online features. An analysis of the educational material, calculators, and additional resources available to users.Advertisers or sponsorships do not influence ratings.Editorial disclosure for mortgages:The information in this article has not been reviewed or approved by any advertiser. The details on financial products, including interest rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the lender's website for the most current information. This site doesn't include all currently available offers.Laura Grace Tarpley edited this article.