Partner Spotlight – Cross Country Mortgage
By Charlotte Top Producers |Jun 8, 2022

Committed to successful outcomes and incredible service

Sandy Dickenson of Cross Country Mortgage

Photos by Kelly Klemmensen Photography

Sandy started in the Carolinas….

Sandy grew up in North Carolina and earned a business degree from UNC-Charlotte.. While an undergrad, she got her start in the finance industry by calling delinquent mortgage accounts for a local bank. After spending a few years in Florida, Sandy made her way back to the Charlotte area and re-entered the industry on the servicing side, working her way up to becoming a loan officer and branch manager. At one point, she had her own brokerage company that she successfully ran for many years. After the market crash in 2008, she met her amazing mentor, Rick Ruby, and agreed to manage and build his branch. They have worked together for the past eleven years, making CrossCountry Mortgage one of the most respected companies in the industry and the Carolinas. She is a multiple Five Star Mortgage Professional Award Winner and a National Top Loan Originator through Scottmans Guide.  

 Opportunity is Ahead…..

The refinancing boom is over, but that’s not slowing down business for CrossCountry Mortgage. The company has long secured its position as a steadfast partner for REALTORS®, builders, and clients alike by staying focused on product-based loans. With a pull-through rate of 97.8% (meaning the loan gets closed) The team’s financial expertise is unmatched, as is their commitment to successful outcomes and incredible service stays at the forefront. 

Ups and Downs….

“Rates go up and down, people don’t always need a place to work, but will always need to buy a place to live,” says CrossCountry Mortgage Branch Manager Sandy Dickinson. “So we prioritize building great relationships while helping clients reach their goals for whatever craziness lies ahead. 

Our Great Stuff, Choices Matter…

CrossCountry offers an array of home loan financing options, including agency and non-agency products. Conventional, FHA, VA, USDA, Jumbo, Construction, Lock and Shop, ARM Products, Light-Document, and Investor Products are all handled with ease by the CrossCountry team. Regardless of which option a client chooses, the company uses several techniques to give clients the ”WOW” experience. “What sets us apart is ……Our mortgage expertise.” Sandy says. “We understand self-employment and guidelines to where we continually approve loans that other lenders just can’t do. We are also super communicators who call clients every week and let them know where they are in the process, then follow up with texts and emails. Our priority is to ensure clients get on the right program and have stress-free experiences. We also love working with builders and REALTORS® to grow their businesses. Rick is a national coach and frequently hosts seminars about simple techniques to generate leads and manage P&Ls. And we offer lunch & learns and happy hours every month.   Our job is closing on time while taking the stress and anxiety out of the mortgage process and making it fun, while having fun together.” 

Our Super Power…..

“We process, underwrite, and fund our own loans,” Sandy says. “So we can close quickly. And we maintain a local appraisal panel with hand-picked appraisers that provide timely and accurate values. Clients can lock their rates before finding a home, and those purchasing new construction can enjoy extended lock periods of up to a year. CrossCountry Mortgage has recently partnered with Ribbon to offer cash + backup offers to assist our clients in winning contracts.”  

People Around Us Make Us Great….

Maintaining and growing relationships with industry partners and former clients is Sandy’s idea of success. She also loves helping CrossCountry loan officer’s flourish. “We help a lot of young professionals grow here,” Sandy smiles. “I love teaching them the business and a little bit about life. We stress the importance of building relationships, listening to clients, and ensuring everyone is thrilled at the end of the mortgage experience (it’s how life works both in and out of work). In addition, we cater our office culture to employees and celebrate their wins. Happy people work hard, especially when the team vision is the same for everyone.” 

Loans are Like Family……

“I love spending time with my family,” Sandy says. “And it’s gratifying to help other families build wealth through real estate and other financial strategies. Loans get people into debt, so we like to help them get out. Watching my clients, REALTORS®, builders, and co-workers succeed is joyful. For all of us at CrossCountry Mortgage, helping people grow and become financially free is what motivates us every day. Sandy after hours…..When it comes to down time after a busy day of loan approvals, she enjoys playing tennis, riding her bike, and walking and exploring what Charlotte has to offer. She also la foodie and loves trying new restaurants especially with her family including four grandchildren. 

To learn more, please visit or follow me at to learn about upcoming events. We’d love to see you there! 

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