CrossCountry Mortgage raises conforming loan limit to $819,000

Top 10 U.S. mortgage lender CrossCountry Mortgage (CCM) on Wednesday announced that it has increased its conforming loan limit to $819,000, joining the list of lenders that are moving in advance of the projected 2026 loan limits to be released later in the year by the Federal Housing Finance Agency (FHFA).

“Today’s housing market can be tough to navigate, and CCM is focused on creating solutions that give homebuyers an edge,” Jenn Stracensky, the company’s chief operating officer, said in a statement. “By raising limits early, our Early Bird Program empowers borrowers to act now and move closer to their dream of homeownership.”

CCM’s move comes roughly a week after United Wholesale Mortgage (UWM) said it would honor the anticipated 2026 limits. Another leading lender, Pennymac, followed suit two days later.

The $819,000 loan limit that’s expected for next year represents a 1.5% increase from the current limit of $806,500. It would also be much smaller than the 5.2% and 5.5% increases in the prior two years.

Data from Inside Mortgage Finance for the first half of 2025 shows that CrossCountry was the eighth-largest lender in the U.S., originating $23 billion in mortgages from January through June. In the second quarter alone, it did $13.9 billion business — up 52% from the first quarter and 33% higher than in Q2 2024.

Last week, CCM announced a partnership with Ares Alternative Credit and Hildene Capital Management on $1 billion in equity commitments for a $20 billion expansion of its nonqualified mortgage (non-QM) asset management platform.

‘The deal is designed to diversify CCM’s portfolio beyond origination and servicing, adding products like residential transition loans and home equity lines of credit (HELOCs).