The Mortgage Record
Lender report card · New Jersey

Crosscountry Mortgage, Llc

Cleveland, OH · What the federal mortgage record shows about how Crosscountry Mortgage, Llc treated New Jersey applicants, 2018–2025 — 43,281 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
96.6%
41,819 approved
Denial rate
3.4%
1,462 denied
Decisions
43,281
2018–2025
Avg. rate spread
+0.48 pp
vs. market benchmark
96.6% approved
3.4% denied

Share of 43,281 New Jersey applications Crosscountry Mortgage, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional97.5% of 31,690 · NJ 87%FHA94.0% of 10,125 · NJ 79%VA95.5% of 1,354 · NJ 80%USDA92.9% of 112 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

92%94%96%98%100%96%98%98%97%97%96%95%96%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Crosscountry Mortgage, Llc’s rates ran +0.10 pp higher than the typical New Jersey lender (average rate spread +0.48 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Crosscountry Mortgage, Llc approves

By income
Under $50k88.4% · 1,640$50–75k94.8% · 5,222$75–100k95.9% · 7,120$100–150k97.0% · 11,995$150–250k97.9% · 10,573$250k+98.1% · 5,434
By debt-to-income
Under 36%98.4% · 14,41836–43%98.2% · 10,44743–50%97.5% · 12,669Over 50%84.9% · 4,498
By down payment (LTV)
20%+ down97.6% · 20,97210–20% down96.3% · 5,8045–10% down95.9% · 4,8323–5% down95.1% · 5,250Under 3% down91.4% · 1,787

Why Crosscountry Mortgage, Llc denied applications

Debt-to-income ratio43% of denialsCollateral (value/type)20% of denialsCredit history18% of denialsUnverifiable information13% of denialsOther12% of denialsInsufficient cash to close10% of denials

Where Crosscountry Mortgage, Llc lends in NJ

CountyDecisionsApproval
Monmouth County4,66297.9%
Bergen County4,58696.2%
Hudson County3,62796.3%
Ocean County3,30897.1%
Middlesex County3,28896.8%
Burlington County3,15897.6%
Camden County2,81097.0%
Essex County2,57994.2%

Fees & closing costs

Median total loan costs
$8,180
home purchase
As % of loan
2.52%
NJ median 1.93%
Priced originations
28,283
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Crosscountry Mortgage, Llc’s home-purchase originations — 0.59 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $267. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Consumer complaints

CFPB complaints
143
from NJ, 2022–present
Answered on time
100%
of complaints
Closed with relief
8%
monetary or non-monetary

Complaints New Jersey mortgage customers filed against Crosscountry Mortgage, Llc with the federal Consumer Financial Protection Bureau, 2022–present. Most common issue: Trouble during payment process. Most mortgage complaints concern servicing — payments, escrow, and foreclosure — so this reflects a company’s customer experience as much as its lending, and volume partly tracks how many loans it services. Source: CFPB Consumer Complaint Database.

Compare Crosscountry Mortgage, Llc to other lenders for your profile

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Crosscountry Mortgage, Llc (LEI 549300VZVN841I2ILS84). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →