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CrossCountry Mortgage Rates Today vs Loaning.ai Mortgage Rates Today
Having more options to compare can often lead to a better decision.
Freddie Mac research supports this idea: Homebuyers who received mortgage quotes from at least four lenders could save more than $1,200 per year. Rather than settling for the first offer, it pays to compare rates, fees and loan terms carefully.
Still, reviewing multiple lenders can be complicated and time-consuming.
To make mortgage shopping easier, Loaning.ai compared CrossCountry Mortgage’s key loan products with Loaning.ai offers under similar conditions. Let’s take a closer look at how the rates and overall borrowing costs compare.
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At a glance
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CrossCountry Mortgage Rates Today : Overview
CrossCountry Mortgage is a large U.S. retail lender offering purchase and refinance loans through digital tools and local loan officers. Its product lineup includes fixed-rate and adjustable-rate mortgages, jumbo, FHA, USDA and VA loans, as well as HELOC, renovation, construction and Non-QM options. Actual rates and costs vary by loan program, borrower qualifications and market conditions.
Fixed Rates
These are standard fixed-rate options with no upfront discount points. The borrower receives the listed rate without paying an additional points cost to lower it.
30-year fixed
0 points15-year fixed
0 pointsFixed-Rate Buydowns
These options offer a lower interest rate in exchange for an upfront payment at closing. In these examples, 2 points equal 2% of the $275,000 loan amount, or $5,500.
30-year fixed
2 points15-year fixed
2 pointsRates shown are current as of July 12, 2026.
The examples shown are based on a $275,000 refinance loan and are provided for illustrative and comparison purposes only. Estimated monthly payments include principal and interest only and do not include property taxes, homeowners insurance, mortgage insurance, HOA dues, closing costs, prepaid items or other expenses.
The displayed rates apply to owner-occupied, 1- to 4-unit residential mortgage loans, excluding jumbo loans. The 2-point examples assume discount points equal to 2.00% of the loan amount, or $5,500 on a $275,000 loan. Discount points are generally paid at closing to obtain a lower interest rate and are not lender credits.
Actual rates, APRs, payments, points, credits and costs may vary based on credit profile, loan amount, property value, loan purpose, location, occupancy, property type, selected program, rate-lock period and final underwriting results. This information is not a commitment to lend, rate lock, approval or guarantee of available loan terms. Consumers should review an official Loan Estimate before selecting a mortgage.
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How CrossCountry Mortgage Rates Compares to Other Lenders
CrossCountry Mortgage is a large U.S. retail lender offering purchase and refinance loans through digital tools and local loan officers. Its product lineup includes fixed-rate and adjustable-rate mortgages, jumbo, FHA, USDA and VA loans, as well as HELOC, renovation, construction and Non-QM options. Actual rates and costs vary by loan program, borrower qualifications and market conditions.
30-year fixed
CrossCountry Mortgage
FixedLoaning.ai
FHA15-year fixed
CrossCountry Mortgage
FixedLoaning.ai
FHALegal Disclosures
The rates and payment examples shown above are provided for illustrative and comparison purposes only. They are not a commitment to lend, a rate lock, an approval, or a guarantee of available loan terms.
General assumptions: The examples are based on a $275,000 owner-occupied home purchase loan, an estimated purchase price of approximately $458,333, a 60% loan-to-value ratio (LTV), a credit score of 740, and a debt-to-income ratio below 43%. The property is assumed to be a single-family primary residence, and the borrower is assumed to be a U.S. citizen receiving W-2 income. Property taxes and homeowners insurance are assumed to be paid through an escrow account.
CrossCountry Mortgage examples: The CrossCountry Mortgage figures shown are standard fixed-rate purchase examples based on a $275,000 loan amount. The displayed monthly payments represent estimated principal and interest only and do not include property taxes, homeowners insurance, mortgage insurance, HOA dues, prepaid items, closing costs, or other expenses. The displayed 30-year and 15-year examples include 0.000 discount points and an estimated points cost of $0.00.
- 30-year fixed: 6.375% interest rate, 6.478% APR, $1,715.64 estimated monthly principal and interest payment, and 0.000 points ($0.00).
- 15-year fixed: 5.625% interest rate, 5.787% APR, $2,265.26 estimated monthly principal and interest payment, and 0.000 points ($0.00).
Loaning.ai examples: The Loaning.ai figures shown are FHA purchase estimates based on the assumptions described above. The displayed monthly payments include estimated principal and interest, a monthly amount associated with the financed upfront Mortgage Insurance Premium (UFMIP), and the monthly Mortgage Insurance Premium (MIP). They exclude property taxes, homeowners insurance, HOA dues, closing costs, prepaid items, and other expenses.
- 30-year FHA fixed: 5.750% interest rate, 5.856% APR, $1,746.70 estimated monthly payment, and 0.250 discount points ($687.50). The estimated payment consists of $1,604.83 in principal and interest, $28.08 associated with UFMIP, and $113.79 in monthly MIP.
- 15-year FHA fixed: 5.500% interest rate, 5.638% APR, $2,398.17 estimated monthly payment, and 0.000 points ($0.00). The estimated payment consists of $2,246.98 in principal and interest, $39.32 associated with UFMIP, and $111.87 in monthly MIP.
The $687.50 shown in the 30-year Loaning.ai example represents an estimated discount-point cost equal to 0.250% of the $275,000 loan amount. It should not be interpreted as cash back, a refund, a rebate, payback, or a lender credit.
FHA loans generally require an upfront Mortgage Insurance Premium and an annual Mortgage Insurance Premium collected through monthly installments. The amount and duration of mortgage insurance may vary based on the loan term, loan amount, LTV, and applicable FHA requirements.
The interest rate and APR are different measures. The interest rate reflects the cost of borrowing the principal, while the APR may include the interest rate, discount points, mortgage insurance, and certain lender or loan charges. Points and lender credits may change the interest rate and the amount due at closing.
The CrossCountry Mortgage and Loaning.ai examples involve different loan programs and payment structures. The CrossCountry Mortgage examples are standard fixed-rate purchase examples, while the Loaning.ai examples are FHA purchase estimates that include mortgage insurance. As a result, the displayed interest rates, APRs, monthly payments, and upfront costs should not be interpreted as a like-for-like comparison of identical mortgage products.
Actual rates, APRs, monthly payments, points, credits, mortgage insurance, closing costs, and eligibility may vary based on market conditions, quote date and time, credit history, income, assets, debt obligations, purchase price, loan amount, LTV, occupancy, property type, location, loan program, rate-lock period, escrow requirements, and final underwriting results.
Mortgage rates and pricing may change at any time and may not be available to every borrower. Not all loan products, rates, or pricing options are displayed. Consumers should request and review official Loan Estimates from each lender before selecting a mortgage.
CrossCountry Mortgage rates are current as of July 12, 2026. Loaning.ai figures are based on the estimates displayed when this comparison was prepared.
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How Bankrate scored CrossCountry Mortgage Rates
Affordability: 3.4 stars
It can be difficult to know exactly what rates and fees you may receive from CrossCountry Mortgage without requesting a personalized quote or completing its preapproval process.
- Interest rates: CrossCountry Mortgage may not display every available mortgage rate online, so borrowers may need to contact the lender to confirm current rate options, APRs, points, and fees. Some rate options may also require discount points or use a buydown structure to reduce the interest rate.
- Down payment: CrossCountry Mortgage offers conventional and government-backed loan programs, including options with low down payment requirements. Certain qualified borrowers may also be eligible for down payment assistance or mortgage insurance alternatives, depending on the loan program and applicable requirements.
Affordability: 5 stars
CrossCountry offers a variety of loan types nationwide, giving it the full 5 out of 5 stars for availability.
- Home loans offered: CrossCountry Mortgage provides conventional — conforming and non-conforming — and government-backed loans, as well as harder-to-find options such as physician loans, condo loans, bridge loans and non-QM products.
- Footprint: CrossCountry Mortgage lends in all U.S. states and has an extensive branch network of more than 700 locations.
- Where to find: You can apply for a mortgage with CrossCountry online, by phone or in person at a branch location.
Borrower experience: 3.1 stars
Bankrate gave United Wholesale Mortgage a 3.4 out of 5 affordability score. UWM provides several low-down-payment loan options, although borrowers generally need to contact an independent mortgage broker to review current rates and personalized pricing.
- Preapproval and application process: You can apply online for preapproval at CrossCountry, and if you qualify, you’ll receive a letter within three business days. While this is somewhat longer than many lenders require, the lender does offer a 21-day closing program.
- Transparency: You won’t find CrossCountry Mortgage’s rates advertised on its website, but you can use the site to request a free rate quote. You’ll then be connected to a loan officer.
- Customer service: You can reach CrossCountry’s customer service team at 877-351-3400.
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Compare the lowest 30 year mortgage rates from the top 5 lenders
Get the lowest mortgage rates today! Compare rates from the top 5 lenders in United States, including WellsFargo and RocketMortgage.
* All rates are based on a $1,000,000 home price and a $700,000 loan amount.
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