Lender review
CrossCountry Mortgage review: what Michigan borrowers should know
Best for: flexible programs including non-qm and renovation
- Headquarters
- Cleveland, OH
- Founded
- 2003
- NMLS
- #3029
- Min. credit score
- 580
- Min. down payment
- 3%
A fast-growing national lender with an unusually broad menu — including non-QM and renovation loans that many lenders skip. CrossCountry works through local loan officers and accepts FHA credit scores down to 580, useful for Michigan's rebuilding-credit buyers.
CrossCountry Mortgage has grown fast out of Cleveland into a national name, and what sets it apart is how much it's willing to lend on. The menu runs unusually wide, including non-QM and renovation loans that plenty of lenders simply won't offer, all delivered through local loan officers running a tech-driven process.
For Michigan buyers rebuilding credit, the 580 FHA floor opens a door that stays shut at stricter shops, and the renovation options suit the state's older housing stock that needs work folded into the loan. If your situation doesn't fit the standard agency box, CrossCountry is one of the lenders more likely to find a program that does.
Flexibility has its price. Because pricing is loan-officer-driven, quotes vary from one branch to the next, servicing is often transferred after closing, and some of the specialty products carry higher rates than a plain-vanilla conventional loan. Read the terms on anything non-standard closely, and compare before you assume the niche program is the best deal.
What works
- Broad menu including non-QM and renovation loans
- FHA available down to a 580 score
- Local loan officers with a tech-driven process
What to watch
- Loan-officer-driven pricing varies
- Servicing often transferred after closing
- Some specialty products carry higher rates
Loan programs at CrossCountry Mortgage
Which core Michigan loan types CrossCountry Mortgage offers, with the typical minimum down payment for each program. Program floors are industry standards — CrossCountry Mortgage's own minimums or credit overlays may run higher.
| Loan program | Offered | Typical min. down |
|---|---|---|
| Conventional | ✓ Yes | 3% |
| FHA | ✓ Yes | 3.5% |
| VA | ✓ Yes | 0% |
| USDA | ✓ Yes | 0% |
| Jumbo | ✓ Yes | 10–20% |
| Construction | — No | — |
Also offers: Non-QM, Renovation.
Where CrossCountry Mortgage's credit bar sits
CrossCountry Mortgage's roughly 580 minimum sits in the fair credit range. Plotted below: where a 580 minimum lands on the credit spectrum, versus the 620 median for Michigan lenders in our data.
| CrossCountry Mortgage | Michigan median* | |
|---|---|---|
| Editorial score | 4.1 / 5 | 4.0 / 5 |
| Min. credit score | 580 | 620 |
| Loan programs offered | 7 | 5 |
| Michigan-headquartered | No | — |
*Median across the 55 Michigan lenders in our catalog.
How CrossCountry Mortgage's rates and offers compare
Before committing, pull a same-day quote from at least two competitors — pricing gaps of 0.25% are common for identical borrowers. Start with Better Mortgage, PennyMac or Mercantile Bank of Michigan, then compare Loan Estimates line by line. For context on where pricing lands, check our Michigan rate table.
CrossCountry Mortgage: frequently asked questions
What are CrossCountry Mortgage's mortgage rates in Michigan?
CrossCountry Mortgage doesn't post one rate — like every lender, its pricing turns on your credit score, down payment, loan size and the day you lock. Ask for a personalized quote to see the number you'd actually get. The reliable move: pull a written Loan Estimate from CrossCountry Mortgage and set it beside this week's Michigan averages in our rate table, comparing on the same day.
Is CrossCountry Mortgage a legitimate mortgage lender?
Yes. CrossCountry Mortgage is a licensed mortgage lender registered under NMLS #3029 and lending since 2003. Anyone can verify that number, and the company's complaint record, at NMLS Consumer Access. Our editors give it 4.1/5 for Michigan buyers; placement here cannot be bought.
What credit score do you need for a CrossCountry Mortgage mortgage?
CrossCountry Mortgage generally looks for a credit score around 580 on its most common loans. Its FHA loans can go lower — often to 580, or 500 with a larger down payment — while conventional and jumbo loans usually want higher scores. Individual overlays can push that higher, so 580 is the opening bid, not the final word.
Does CrossCountry Mortgage offer FHA, VA and USDA loans?
CrossCountry Mortgage offers FHA, VA and USDA loans to Michigan borrowers. It covers the full government-loan menu. Its complete Michigan lineup is Conventional, FHA, VA, USDA, Jumbo, Non-QM, Renovation.
Does CrossCountry Mortgage lend in Michigan?
Yes. Although CrossCountry Mortgage is headquartered in Cleveland, OH, it is licensed to lend in Michigan and actively originates purchase and refinance loans across the state, from metro Detroit to the Upper Peninsula.
Will CrossCountry Mortgage sell my mortgage after closing?
Possibly. Borrowers report that CrossCountry Mortgage frequently transfers servicing after closing, so the company you pay may change even though your loan terms don't. That's common industry-wide, but if keeping one servicer matters to you, ask before you lock.
Independent and unpaid — CrossCountry Mortgage did not pay for placement. How we score every lender (and where our rate data comes from) is set out in our editorial policy. Figures reflect public information as of 2026-07-01 and can change; the only rate that binds a lender is a written Loan Estimate. Verify the license at NMLS Consumer Access (#3029).