Both lenders cover all states and offer the same loan products with a 620 minimum credit score for conventional loans.
CitiMortgage offers closing cost and rate discounts plus specialty programs, but its parent company carries an F BBB rating from nearly 4,000 complaints.
Chase holds an A+ BBB rating but scores just 1.18/5 from reviewers, with customers praising the mobile app while criticizing phone support.
CitiMortgage suits current Citibank customers; Chase is the better fit for borrowers wanting branch access and established banking integration.
This summary was generated by AI and may contain errors or omissions.
How do CitiMortgage and Chase Bank compare?
Choose this lender for discount programs if you don’t qualify for government-backed loans
Watch out for the upfront application fee
A good option if you are a current Citibank customer
Choose this lender for great in-person help at branches in 22 states
Watch out for frustrating customer service online and over the phone
A good option for borrowers who want a mortgage from a well-known bank.
Citibank, the parent company of CitiMortgage, isn't accredited with the Better Business Bureau (BBB) and receives an F rating from the site. Its BBB profile has almost 4,000 complaints and over 150 customer reviews as of September 2019, with an average customer rating of just over 1 out of 5 stars.
On top of its negative reviews and complaints, in 2018 Citibank was subject to a $100 million settlement over manipulating benchmark interest rates. It's not all bad reviews for Citibank, though — its average score from the over 2,300 customer ratings on Zillow as of September 2019 is 4.85 out of 5 stars.
As of October 2020, Chase Bank has an A+ rating with the Better Business Bureau, yet reviewers on the site have only rated it 1.18 out of 5 stars. The bank’s score is only slightly better on Trustpilot, where it’s currently rated 1.3 out of 5. However, it’s important to note that these reviews are for Chase Bank as a whole and not necessarily its mortgage products.
Satisfied customers praise Chase’s mobile app, online access and personal service in branches. Most of the negative reviews focus on frustrating customer service, with customers having trouble getting in touch with a helpful representative, being passed around on the phone or just never getting the help they need.
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