Clay Carroll | Team Clay | CrossCountry Mortgage

Clay Carroll is a Mortgage Broker in Midlothian, VA, serving as the originating branch manager for CrossCountry Mortgage. With more than 22 years of mortgage experience, Carroll specializes in helping clients create wealth through real estate by emphasizing structure and strategy to maximize return on investment. The office handles a wide range of home loan products, including conventional, jumbo, purchase, and refinance loans, as well as VA and FHA options for first-time homebuyers, veterans, and rural residents. Carroll serves a service area that includes Midlothian, Glen Allen, and Genito, VA. The business holds a perfect 5.00 rating based on customer reviews.

As part of CrossCountry Mortgage, a nationwide lender headquartered in Cleveland, Ohio, the Midlothian branch operates with the support of a company that has closed over 131,000 home purchases in 2025. CrossCountry Mortgage is a direct lender and an approved seller and servicer by Freddie Mac, Fannie Mae, and Ginnie Mae. The company offers more than 120 purchase, refinance, and home equity solutions. Carroll has served on the Board for the Richmond Mortgage Bankers Association and various committees for the Home Building Association of Richmond. The office maintains hours from 9:00 AM to 7:00 PM, Monday through Friday, providing resources such as home value estimators, mortgage calculators, and guides for homebuying and refinancing.

The business is located at 14321 Winter Breeze Dr, Office 236, in Midlothian.

Clay Carroll’s two decades of experience and the institutional backing of a top retail mortgage lender provide a stable foundation for homeowners seeking financing in the Midlothian area.