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CrossCountry Mortgage

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

CrossCountry Mortgage's 86.3k closed loans and 125k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Exceptional
5/5
National · 49 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • High volume lender with significant market experience
  • Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
  • Nationwide availability with consistent service

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

CrossCountry Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+49.7 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 5% of lenders
FHA
Exceptional
Top 5% of lenders
VA
Exceptional
Top 10% of lenders
Jumbo
Exceptional
Top 5% of lenders
USDA
Exceptional
Top 5% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 5% of lenders
Refinance
Exceptional
Top 10% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Exceptional
Top 20% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume54,891
Mix63.6%
Spread
+0.465%Above
Fees
$3,511Fees
FHA Loans
Overall
Strong
Product
Exceptional
Pricing
Mediocre
Pull Through
Strong
Volume20,445
Mix23.7%
Spread
+0.771%Above
Fees
$3,998Fees
VA Loans
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume7,572
Mix8.8%
Spread
-0.168%Below
Fees
$2,918Fees
Jumbo Loans
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume2,692
Mix3.1%
Spread
+0.329%Above
Fees
$2,251Fees
USDA Loans
Overall
Sound
Product
Exceptional
Pricing
Mediocre
Pull Through
Strong
Volume695
Mix0.8%
Spread
+0.587%Above
Fees
$3,026Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Exceptional
Pricing
Mediocre
Pull Through
Strong
Volume78,055
Mix90.5%
Spread
+0.511%Above
Fees
$3,646Fees
Refinance
Overall
Sound
Product
Exceptional
Pricing
Acceptable
Pull Through
Sound
Volume8,240
Mix9.5%
Spread
+0.372%Above
Fees
$2,699Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
86,295
Applications
125,486
Volume
$34 billion
Pricing & Closing
Avg Rate Spread
+0.497%
vs. market APOR
Avg Net Fees
$3,549
Origination − Credits
Pullthrough Rate
68.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$396,874
Avg Borrower Income
$161,926
Avg Property Value
$503,443

Geographic Coverage

Geographic Performance

Metro Areas
49
markets with activity
States Served
51
Includes Washington, DC
Avg Place Specialization
Exceptional
5/5

States with Loan Originations

51Nationwide · all 50 states and DC
51 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast9
CTMEMANHNJNYPARIVT
Midwest12
IAILINKSMIMNMONDNEOHSDWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0
Cleveland, OHMetro
Volume 2,944Mix 3.41% of portfolio
100/100
Exceptional
2© 颐园居 · CC BY-SA 4.0
Philadelphia, PAMetro
Volume 1,558Mix 1.81% of portfolio
100/100
Exceptional
3© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 1,406Mix 1.63% of portfolio
100/100
Exceptional
4© w_lemay · CC BY-SA 2.0
Akron, OHMetro
Volume 987Mix 1.14% of portfolio
100/100
Exceptional
5© Paul Leiby · CC BY 3.0
Allentown, PA-NJMetro
Volume 785Mix 0.91% of portfolio
100/100
Exceptional
6© P,TO 19104 · CC BY-SA 4.0
Naples, FLMetro
Volume 490Mix 0.57% of portfolio
100/100
Exceptional
7© WeaponizingArchitecture · CC BY-SA 4.0
Canton, OHMetro
Volume 680Mix 0.79% of portfolio
99/100
Exceptional
8© Broran28 · Public domain
Tacoma, WAMetro
Volume 695Mix 0.81% of portfolio
98/100
Exceptional
9© Gamezilla2019 · CC BY 4.0
Newark, NJMetro
Volume 1,335Mix 1.55% of portfolio
98/100
Exceptional
10© Mr. Matté · CC BY-SA 4.0
Lakewood, NJMetro
Volume 1,433Mix 1.66% of portfolio
95/100
Exceptional
Showing 10 of 49 metro areas

Top States by Place Specialization Score

New Jersey
New Jersey
1
New JerseyState
Volume 5,464Mix 6.33% of portfolio
100/100
Exceptional
Pennsylvania
Pennsylvania
2
PennsylvaniaState
Volume 6,270Mix 7.27% of portfolio
97/100
Exceptional
Ohio
Ohio
3
OhioState
Volume 8,629Mix 10.00% of portfolio
96/100
Exceptional
Washington
Washington
4
WashingtonState
Volume 3,427Mix 3.97% of portfolio
94/100
Exceptional
Illinois
Illinois
5
IllinoisState
Volume 4,482Mix 5.19% of portfolio
93/100
Exceptional
New York
New York
6
New YorkState
Volume 4,107Mix 4.76% of portfolio
91/100
Exceptional
Massachusetts
Massachusetts
7
MassachusettsState
Volume 2,791Mix 3.23% of portfolio
90/100
Exceptional
Florida
Florida
8
FloridaState
Volume 7,983Mix 9.25% of portfolio
89/100
Exceptional
Arizona
Arizona
9
ArizonaState
Volume 3,251Mix 3.77% of portfolio
89/100
Exceptional
Minnesota
Minnesota
10
MinnesotaState
Volume 2,661Mix 3.08% of portfolio
89/100
Exceptional
Showing 10 of 51 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.