CrossCountry Mortgage, LLC

What CrossCountry Mortgage, LLC does

CrossCountry Mortgage, LLC is a privately held, direct-to-consumer retail mortgage lender headquartered in Cleveland, Ohio, operating under NMLS ID 3029. The company originates residential mortgage loans nationwide through a network of licensed loan officers covering all 50 states, Washington D.C., and Puerto Rico, supplemented by online application, rate-quote, and self-service tools. Its product suite spans home purchase loans (conventional, FHA, VA, USDA, jumbo up to $10M), refinance (rate-and-term, cash-out), home equity (HELOC, second mortgage), construction-to-permanent, renovation, non-QM, and reverse mortgages, plus specialty programs (Physician Loans, Condo Loans, Bye-Bye PMI, CCM EasyGreen, Lock2Sell, CCM Smart Start down payment assistance). The company self-declares as America's #1 Retail Mortgage Lender for three consecutive years, claiming to finance 1 in 30 homes nationwide.

CrossCountry generates revenue through transaction-based fees on originated mortgages, including origination fees, closing costs, and gain-on-sale proceeds from selling loans into the secondary mortgage market. The company operates as a direct lender, funding loans with its own capital before securitization or sale, which provides margin control but also creates balance-sheet exposure to rate cycles. Distribution is omnichannel: licensed loan officers handle in-person and remote origination; the website supports online applications, calculators, and educational content; a dedicated Spanish-language site serves Hispanic borrowers; and an affiliated insurance agency (CrossCountry Home and Auto Insurance Agency, LLC / CCHA) provides cross-sell of home and auto insurance at the point of mortgage origination.

The company is privately held with no disclosed venture or private equity backing, no disclosed revenue figures, and no proprietary technology stack disclosed in available materials. Its competitive positioning rests on national distribution density, brand recognition as a top retail lender, broad product breadth across borrower segments, and in-house direct-lender capabilities rather than on AI/ML technology or proprietary software differentiation. Customer concentration is by definition low (retail consumer base), but revenue is highly sensitive to mortgage rate cycles and housing turnover.

Name

CrossCountry Mortgage, LLC

Legal name

CrossCountry Mortgage, LLC

Website

https://crosscountrymortgage.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

CrossCountry Mortgage, LLC is a privately held direct-to-consumer retail mortgage lender headquartered in Cleveland, Ohio, originating home purchase, refinance, home equity, construction, and specialty loans across all 50 U.S. states plus DC and Puerto Rico through a nationwide network of licensed loan officers.

Ownership category

akta.pro rank

Product category

Retail Mortgage Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)

akta.pro secondary industry

Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA)

Keywords

• Retail mortgage lending
• Home purchase loans
• Mortgage refinancing
• Home equity lending
• Government-backed mortgages

Headquarters

HQ city

Bridgewater, Massachusetts

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination and Lending: CrossCountry Mortgage originates mortgages for home purchases and refinances. Revenue is generated through interest rates on originated loans, origination fees, and closing costs. The company acts as a direct lender, funding loans through its own resources and selling them in the secondary mortgage market.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

CrossCountry Mortgage is a direct lender that originates residential mortgage loans for home purchases, refinances, and home equity borrowing, funding loans through its own balance sheet and selling them on the secondary mortgage market. Products include conventional, FHA, VA, USDA, jumbo (up to $10 million), construction, renovation, Non-QM, and reverse mortgages, distributed through licensed loan officers across all 50 states plus D.C. and Puerto Rico.

Product overview

CrossCountry Mortgage, LLC is America's #1 Retail Mortgage Lender offering a comprehensive suite of mortgage products organized into three core categories: Home Purchase Loans (conventional, FHA, VA, USDA, and jumbo loans for buying homes), Refinance Mortgage Loans (rate-and-term and cash-out refinancing options), and Home Equity Products (HELOCs and home equity loans). The company also offers specialized financing including Construction Loans, Renovation Loans, Non-QM Loans for non-traditional borrowers, and Reverse Mortgages for retirees. Beyond core products, CrossCountry Mortgage provides numerous loan programs including down payment assistance (CCM Smart Start, Chenoa Fund, The National DPA), rate management tools (Temporary Buydown, Mortgage Rate Lock, Lock2Sell), specialty products (Physician Loans, Condo Loans, Bye-Bye PMI, Bridge Loans), and refinancing assistance (Low-Income Refinance, Buy Now Refinance Later). The company also offers complementary tools including mortgage calculators and educational resources to support borrowers throughout the homeownership journey.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Purchase Loans Mortgage products for purchasing a primary, second, or investment home, including conventional conforming loans (3% minimum down), FHA, VA, USDA, and jumbo loans up to $10 million. Targeted at individual homebuyers across the U.S.
• Refinance Mortgage Loans Replacement of an existing mortgage with a new loan offering potentially better terms, including rate-and-term refinances and cash-out options that allow homeowners to tap home equity. For existing U.S. homeowners.
• Home Equity Loans (HELOC and Second Mortgages) Loans secured by the borrower's home equity, including revolving Home Equity Lines of Credit (HELOC) and second mortgages in a one-time payout, usable for tuition, renovations, or debt consolidation. For existing U.S. homeowners.
• Construction Loans Single-loan financing covering both construction costs and the permanent mortgage for a newly built custom home, with in-house support through construction. For consumers building a new primary residence.
• Renovation Loans Mortgage financing that bundles the cost of home improvements with the home loan, available for properties being purchased or already owned. For homeowners or buyers funding renovations.
• Non-QM Loans Non-traditional mortgage products using alternative income verification for self-employed borrowers, foreign nationals, or those with credit challenges who cannot qualify under standard QM rules.
• Reverse Mortgages Home equity conversion mortgages allowing homeowners aged 55 and older to access accumulated home equity without monthly mortgage payments. For retirees and older homeowners.
• Down Payment Assistance Programs (CCM Smart Start, The National DPA, Chenoa Fund) Programs that provide grants, repayable seconds, or forgivable second mortgages to first-time homebuyers to cover part of their down payment, layered on top of a primary purchase loan. For income-eligible first-time homebuyers.

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• CrossCountry Home and Auto Insurance Agency, LLC (CCHA)coreStrategic or Co-development PartnerAffiliated insurance agency offering homeowners and automobile insurance products. CrossCountry Mortgage collects insurance information requests and shares customer data with this affiliate to provide insurance quotes.
• FHA (Federal Housing Administration)coreOthersCrossCountry Mortgage is an FHA Approved Lending Institution, offering FHA loan products to eligible borrowers.
• VA (Veterans Affairs)coreOthersCrossCountry Mortgage offers VA loan products for eligible veterans and active-duty service members, including VA Interest Rate Reduction Refinance Loans (VA IRRRL).
• USDA (United States Department of Agriculture)coreOthersCrossCountry Mortgage offers USDA Rural Streamline Refinance and USDA home loans for eligible rural property buyers.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Rocket Mortgage: Largest U.S. retail mortgage lender and the most direct comparison for CrossCountry Mortgage given overlapping direct-to-consumer origination model, broad product suite (purchase, refi, HELOC, jumbo), and national licensed-lo distribution.
• Guild Mortgage: National retail mortgage lender offering purchase, refinance, FHA, VA, USDA, and specialty products through licensed loan officers across most U.S. states — directly comparable scale and go-to-market.
• United Wholesale Mortgage (UWM): Top nonbank mortgage originator by volume and the de facto wholesale leader; increasingly active in retail via the UWM Edge channel, making it a key head-to-head competitor for CrossCountry Mortgage's purchase business and broker-recruited loan officers.
• loanDepot: Large diversified retail and wholesale mortgage lender offering purchase, refi, HELOC, and HELO products through a comparable direct-to-consumer model with nationally distributed loan officers.
• Caliber Home Loans: Major nonbank retail and correspondent lender with comparable product breadth (purchase, refi, HELOC, non-QM) and direct-lender funding model serving a national borrower base.
• PennyMac Loan Services: One of the largest U.S. nonbank mortgage lenders with retail and correspondent channels plus an industry-leading servicing book; comparable scale and product breadth to CrossCountry Mortgage.
• NewRez (now part of Rithm Capital): Top nonbank lender offering retail, wholesale, and direct-to-consumer origination with comprehensive products including HELOC, non-QM, and government channels — comparable in scope and national reach.
• Homepoint (Homepoint Capital): Nonbank mortgage lender with retail, wholesale, and correspondent channels; competes directly with CrossCountry Mortgage for loan-officer recruits and purchase market share.
• Planet Home Lending: National retail and wholesale nonbank lender offering purchase, refi, HELOC, reverse, and specialty products — directly comparable in distributed loan-officer channel and diversified product strategy.
• Fairway Independent Mortgage: Large national retail mortgage lender with distributed loan-officer model and broad government-loan (FHA/VA/USDA) participation — closely comparable in channel mix and product focus to CrossCountry Mortgage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/crosscountry-mortgage-llc

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CrossCountry Mortgage, LLC