Applications / Mortgage Analytics / Lenders / Ohio / CrossCountry Mortgage
Cleveland, OH · Independent non-bank lender · CFPB · 125,099 loans in 2025
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125,099
loans originated, 2025
190,471
applications, 2025
52
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CrossCountry Mortgage is a large home-purchase lender that grew 23% in 2025, faster than most similar lenders, and ranked first of 784 lenders in Philadelphia-Camden-Wilmington.
It made 125,099 loans, up 23%, against 18% for similar lenders (independent non-bank lenders making between a quarter and four times as many loans) and 10% for the whole market; that was faster than about seven in ten of them. Home purchases were 75.4% of its lending and refinances 17.7%.
It ranked first of 784 lenders in Philadelphia-Camden-Wilmington, ahead of Rocket Mortgage and United Wholesale Mortgage, fourth of 664 in Boston-Cambridge-Newton and fifth of 902 in Chicago-Naperville-Elgin. It ranked sixth in both New York-Newark-Jersey City and Seattle-Tacoma-Bellevue, markets it has served since 2009 or 2010.
Its typical loan was $325,000, against $295,000 at similar lenders, and 4.0% of its loans were jumbo (larger than the conforming limit), more than at nearly nine in ten of them. 26.3% of its loans went to LMI (low- and moderate-income) borrowers, against 29.6%, lower than about three in four similar lenders. Its larger loans and the markets it serves could account for a borrower mix that leans to higher incomes.
It denied 2.7% of decided first-lien home-purchase applications on owner-occupied homes, against 8.6% at similar lenders, the lowest among them; for refinances the figures were 6.2% and 15.9%. A lower rate can reflect who applies as much as how applications are judged.
Questions the data can answer next
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CrossCountry Mortgage took 190,471 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.4% · Refinance 17.7% · Other 5.0% · Home improvement 1.8%
Conventional 68.1% · FHA 22.1% · VA 9.2% · USDA (RHS or FSA) 0.6% · of 125,099 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 11,987 | 9.6% |
| Ohio | 11,011 | 8.8% |
| California | 9,599 | 7.7% |
| Pennsylvania | 8,399 | 6.7% |
| Texas | 7,734 | 6.2% |
| New Jersey | 7,558 | 6.0% |
| Illinois | 5,600 | 4.5% |
| New York | 5,429 | 4.3% |
| Arizona | 4,945 | 4.0% |
| Washington | 4,877 | 3.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 3,958 |
| New York-Jersey City-White Plains | 3,814 |
| Cleveland | 3,541 |
| Minneapolis-St. Paul-Bloomington | 2,578 |
| Dallas-Plano-Irving | 2,454 |
| Phoenix-Mesa-Chandler | 2,263 |
| Lakewood-New Brunswick | 2,101 |
| Philadelphia | 2,091 |
| Montgomery County-Bucks County-Chester County | 1,977 |
| Newark | 1,845 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VZVN841I2ILS84 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4183602 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7571175755 |
Established 30 September 2019. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: CrossCountry Mortgage's data.
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