Cross Country Mortgage: A Giant In The Industry

CrossCountry Mortgage (CCM) is a top-five retail mortgage lender in the US. With over 7,000 employees, it operates more than 700 branches across all 50 states, D.C., and Puerto Rico. The company has been recognised ten times on the Inc. 5000 list of America's fastest-growing private companies and has received numerous awards for its workplace culture.

CrossCountry Mortgage is a top-five retail mortgage lender

CrossCountry Mortgage (CCM) is a top-five retail mortgage lender in the United States. In June 2023, it was ranked third in the country as a top retail mortgage lender, up from fifth place the previous year. By June 2024, it had climbed to the top spot on Scotsman Guide's Top Retail Mortgage Lenders list, as well as on Mortgage Executive Magazine's Top 50 Mortgage Companies in America list.

CCM has over 7,000 employees and operates nearly 600 to 700 branches across all 50 states, including Washington, D.C. The company has been recognised multiple times on the Inc. 5000 list of America's fastest-growing private businesses and has received awards for its standout culture.

CCM offers more than 120 mortgage, refinance, and home equity solutions. These include conventional and jumbo mortgages, as well as government-insured programs for veterans and rural homebuyers. The company also provides physician loans, designed to help new doctors and medical professionals afford a home. Additionally, it offers renovation loan products for those looking to turn a fixer-upper into their dream home.

With a focus on providing a smooth and competitive mortgage loan process, CCM aims to be the mortgage lender of choice for its customers for years to come. The company's licensed mortgage loan officers work closely with borrowers to help them navigate the homebuying journey. This dedication has led to CCM financing 1 out of every 44 home purchases throughout 2023.

The company has over 7,000 employees

CrossCountry Mortgage (CCM) is a top-five retail mortgage lender with over 7,000 employees. The company has a strong presence across the United States, with more than 700 branches spread across all 50 states, as well as in Washington, D.C., and Puerto Rico. This extensive network of branches and employees allows CCM to provide comprehensive services and support to its customers in their mortgage journeys.

The company's large workforce is a testament to its success and growth over the years. With a team of over 7,000 professionals, CCM has the expertise and resources to handle a wide range of mortgage-related services. This includes offering more than 120 mortgage, refinance, and home equity solutions to meet the diverse needs of its customers. Whether it's helping individuals and families achieve their dream of home ownership or providing refinancing options for existing homeowners, CCM's employees are dedicated to delivering tailored solutions and a seamless experience.

The company's consistent recognition as one of America's fastest-growing private companies by Inc. 5000 is a testament to its strong revenue growth and the dedication of its employees. CCM's workplace culture and talent have also been acknowledged, fostering a collaborative and innovative environment that contributes to its success. The company's loan officers, in particular, have been recognised for their performance, with over 500 of them featured on the Scotsman Guide Top Originators list, a leading benchmark in the mortgage industry.

CCM's large employee base enables it to provide a diverse range of services and expertise. The company's employees include licensed mortgage loan officers, who work closely with customers to navigate the mortgage loan process. By offering competitive rates and a fast, simple experience, CCM strives to become the mortgage lender of choice for its customers. The company's employees are committed to making each mortgage feel like a win, ensuring a positive and satisfying experience for those seeking to achieve their homeownership dreams.

It offers more than 120 mortgage, refinance and home equity solutions

CrossCountry Mortgage (CCM) is a top-five retail mortgage lender in the United States. It has been named to the Inc. 5000 list of America's fastest-growing private companies for nine years, based on its strong revenue growth over the last three years. With more than 7,000 employees and over 700 branches across all 50 states, D.C., and Puerto Rico, the company offers a wide range of mortgage, refinance, and home equity solutions.

Its offerings include more than 120 mortgage, refinance, and home equity solutions, ensuring that customers can find the right option for their unique needs. These solutions range from conventional mortgages to more specialised options. For instance, jumbo mortgages are available for those seeking larger loan amounts. Government-insured programs, such as FHA loans, provide accessible options for those who may have lower credit scores, with scores as low as 500 accepted.

Additionally, CrossCountry Mortgage offers programs tailored for veterans, recognising their unique circumstances and needs. For individuals outside urban areas, the company also provides programs designed specifically for rural homebuyers. These programs cater to the specific challenges and requirements of purchasing property in less populated regions.

The company's comprehensive range of solutions also includes home equity lines of credit (HELOCs). A HELOC is a flexible option that allows homeowners to borrow against the equity in their homes. This type of credit line operates similarly to a credit card, providing access to funds up to a set limit. HELOCs offer convenience and accessibility for homeowners looking to utilise their home equity for expenses like renovations or debt consolidation.

CrossCountry Mortgage's diverse offerings empower customers with choices that align with their financial circumstances. By providing a broad spectrum of solutions, the company ensures that individuals from various backgrounds, credit histories, and homebuying goals can pursue their dream of homeownership. Whether it's a first-time buyer, a veteran, or someone seeking to refinance, CrossCountry Mortgage's array of over 120 solutions caters to diverse homebuying journeys.

It has been recognised for its workplace culture and talent

CrossCountry Mortgage (CCM) has been recognised for its workplace culture and talent. The company has been recognised ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received numerous awards for its standout culture.

CCM, the nation's number one retail mortgage lender, earned a spot in Scotsman Guide's Top Workplaces feature for the second consecutive year. Scotsman Guide recognised the company's top talent and best-in-class business model, as well as its commitment to excellence.

In 2024, CCM ranked number one on Scotsman Guide's Top Mortgage Lenders list and earned recognition on the Top Emerging Stars, Top Women Originators, and Top Veteran Originators lists. Additionally, over 300 loan officers were named to the Top Originators list, further showcasing the company's talent and commitment to fostering a strong workplace culture.

At CCM, the focus is on creating a thriving, friendly, and enjoyable environment that influences how employees approach their work. The company values diversity and is committed to providing equal opportunities for all qualified applicants, regardless of race, religion, colour, orientation, gender, age, national origin, veteran status, or disability status.

CCM offers challenging and rewarding mortgage jobs in loan origination, providing support and growth opportunities for its talented loan officers. The company's dedication to its employees and customers has helped it become the most referred mortgage lender in the communities it serves.

Customers can use free mortgage calculators to help make decisions

CrossCountry Mortgage offers free mortgage calculators to help customers make informed decisions. These calculators are designed to provide customers with estimates and educate them about the mortgage loan process. While these calculators are useful tools, they do not provide exact figures or determine eligibility for specific products or services.

Mortgage calculators can help guide many of the decisions related to buying a home or refinancing a mortgage. For instance, they can help customers determine if they are spending more than they can afford. By inputting information about their income, expenses, and debt-to-income ratio, customers can see how much they will pay each month, including insurance premiums and property taxes. This helps ensure that their mortgage comfortably fits within their budget.

Additionally, mortgage calculators allow users to compare different loan terms. For example, customers can see the difference in monthly payments and total interest between a 10-, 15-, 20-, or 30-year loan. While shorter-term loans have lower interest rates, the monthly payments are higher. Using a calculator, customers can decide if they prefer a lower interest rate over a longer period or a higher monthly payment over a shorter period.

Mortgage calculators also enable users to adjust their down payment size to understand its impact on their monthly payments. A higher down payment typically results in lower monthly payments. Additionally, customers can explore the option of making extra payments to pay off their mortgage early and reduce the total interest paid.

Furthermore, mortgage calculators can help users determine when they will reach 20% equity in their home, which is significant when considering private mortgage insurance (PMI). PMI is usually required on conventional loans if the loan-to-value (LTV) ratio is above 80%. By using a calculator, customers can assess if and when they can request the removal of PMI from their lender.

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