CitiMortgage Logo
star star star star star_border


Overall Score

LAST UPDATED: November 22nd, 2022

CitiMortgage is a division of CitiGroup, which was established in 1812. CitiMortgage focuses on providing home loans.

View Best Mortgage Lenders

Top Ranked Companies


The Good

  • Competitive Interest Rates
  • No Closing Costs
  • Mobile App
  • Payment Assistance Programs

Competitive Interest Rates

CitiMortgage charges an interest rate of 4.75 percent, which is competitive when compared to interest rates charged by other companies in the industry.

No Closing Costs

CitiMortgage does not charge closing costs or fees, which is a huge perk because it can save borrowers thousands of dollars.

Mobile App

CitiMortgage offers a mobile app that is available for iOS, Android, and Windows devices. This app makes it easy and convenient for borrowers to manage and follow the loan application process, as well as access tools and resources.

Payment Assistance Programs

In the event that a borrower falls behind in their mortgage payments, CitiMortage provides programs that can help. The first is a repayment plan, which is a good option for customers who have had a drastic loss in income but are now back on track. For this plan, CitiMortgage creates an agreement between itself and the customer where the customer continues to make their normal mortgage payments plus a little extra each month until the lost payments are met. CitiMortgage also offers a deferment program, which allows customers to put off certain payments until later while the amount of the mortgage remains the same.


The Bad

  • Undisclosed Minimum Credit Score
  • Unclear Company Communication

Undisclosed Minimum Credit Score

CitiMortgage has not disclosed credit score requirements on its corporate website, making it difficult for potential customers to have an idea of whether or not they are likely to qualify.

Unclear Company Communication

It is unclear whether or not CitiMortgage provides frequent communication and updates to its borrowers to keep them in the loop throughout the loan process.


The Bottom Line

CitiMortgage does not charge closing costs and offers competitive interest rates, a mobile app, and payment assistance programs. However, CitiMortgage has not disclosed borrower credit score requirements and it is unclear whether or not the company communicates with its customers throughout the loan process.

View Best Mortgage Lenders

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating


star star star star star_border

11 Reviews

Review Breakdown

5 grade


4 grade


3 grade


2 grade


1 grade


Sentiment Criteria


star star star star star_half


star star star star star_border


star star star star star_border


star star star star star_half

Filter by:


Sort by:


Review Source

star star star star star

Wendy Shaw Queens, NY

CitiMortgage offers a wide selection of loans that can meet the needs of most borrowers who want to purchase a home. With typical fixed rate mortgages and adjustable-rate mortgages there's options for everyone. They have down payments as low as 3%. I need not to forget to mention they're exemplary customer service.

8 months ago


Review Source

star star star star star

Tara Gillispie Hurricane, WV

CitiMortgage is my favorite business mortgage loan lender to deal with. They make everything so simple and easy to understand.

4 months ago


Review Source

star star star star star

Cynthia Landing Forest City, IL

The transactions of acquiring a loan for my newly built home went very well with affordable rates the staff was very professional and informative on what information was expected from me and explaining the process outcome

11 months ago


Review Source

star star star star star

Mary Gunn

Comparatively the rate they offer is better. Monthly installment also reasonable. They are really co operative. Appreciating!!

1 year ago


Review Source

star star star star star

Rob Whipple Mesa, AZ

Easy to read statements and website. I prefer to do most online and their site is easy to maneuver. Decent customer service.

3 years ago