CrossCountry Mortgage: non-QM programs reviewed
CrossCountry Mortgage is one of the largest retail lenders in the country, and unlike most mega-retailers it publishes a genuinely deep non-QM menu. Its branded "Signature Expanded Bank Statement" program qualifies self-employed borrowers on 12–24 months of statements, up to 90% LTV and $3 million.
The practical appeal is one-stop shopping: if a bank statement loan turns out not to fit, the same lender offers DSCR, ITIN, 1099-only, P&L, asset-qualifier and foreign-national programs — so a declined scenario can be re-run against a different program without starting over with a new lender.
Program details
Channel: Direct + broker channel · NMLS #3029 (verify on NMLS Consumer Access)
| Factor | Published guideline | Source |
|---|---|---|
| Statements accepted | 12–24 months | source |
| Max LTV / down payment | Up to 90% LTV (10% down); lower scores may need more down | source |
| Loan amounts | Up to $3,000,000 | source |
| Self-employment seasoning | 2+ years of self-employment history | source |
| Max DTI | Up to 50% | source |
| Minimum credit score | Not published for bank statement specifically; the non-QM suite cites floors as low as 620 (500 for some programs) | source |
Published guidelines as of 2026-07-24 — not a quote, pre-approval, or offer of credit. Actual terms depend on full underwriting.
Other non-QM programs CrossCountry Mortgage confirms offering: DSCR · ITIN · 1099 mortgage · Foreign national · Asset qualifier / asset depletion · P&L loan · WVOE loan.
Strengths
- Broadest published non-QM menu among large retail lenders — bank statement, DSCR, ITIN, 1099, P&L, WVOE and asset-qualifier in one place.
- 90% LTV on bank statements matches the most aggressive published guidelines in the market.
- Retail branches nationwide plus a wholesale arm — you can work with the lender directly or reach the same programs through a broker.
Considerations
- The bank-statement-specific credit floor isn't published — the "as low as 620/500" language covers the whole non-QM suite, so your program's actual minimum may be higher.
- Two-year self-employment seasoning is the standard requirement here; newer business owners may do better at lenders with a one-year guideline.
- As a large retailer, pricing can vary by branch and loan officer — get the quote in writing and compare against at least one broker-channel option.
Who it fits
Not sure a bank-statement program is right at all? Start with the bank statement loan guide, estimate your qualifying income with the bank statement estimator, or read how to compare non-QM lenders.
FAQ
It's CrossCountry's branded bank statement product: 12–24 months of statements in place of tax returns, up to 90% LTV and $3 million, with DTI allowed to 50%. As with all non-QM programs, expect pricing above conventional in exchange for the documentation flexibility.
Yes — ITIN lending is listed on its published non-QM menu alongside DSCR, 1099, foreign-national and asset-qualifier programs, which makes it one of the larger retail lenders to state an ITIN offering plainly.
No — CrossCountry is a direct retail lender with branches nationwide. It also operates a wholesale channel, so a broker may quote you CrossCountry-funded programs too; compare both routes if you can.
Sources
- CrossCountry Mortgage — Bank Statement Loans
- CrossCountry Mortgage — Non-QM loans overview
- CrossCountry Mortgage — NMLS licensing
Educational information only — not financial advice, and not a quote, pre-approval, or offer of credit. Mortgage Merlin is a publisher, not a lender or broker, and is not affiliated with CrossCountry Mortgage. Program details change; confirm directly with the lender.