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finder.com’s rating: 2.9 / 5.0
★★★★★
Loan products offered | Conventional, Refinance, Jumbo, FHA, VA |
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Minimum credit score | Conventional: 620 |
Minimum down payment (Conventional) | 3% |
State availability | Available in all states |
NMLS # | 412915 |
To find out if you’re eligible for a CitiMortgage home loan, visit the company’s website. Basic eligibility for a mortgage loan includes:
The documents you’ll need to apply for a home loan from CitiMortgage include:
For employed persons:
For self-employed persons:
A number of fees may apply to your home loan, both from CitiMortgage and third parties.
To get started:
CitiMortgage also offers these specialized types of mortgages.
Compared to other lenders, CitiMortgage offers a standard range of home mortgage options, including conventional FHA and VA loans. What differentiates CitiMortgage from other lenders is its discount programs that can help borrowers save on closing costs or earn lower interest rates on their mortgage.
Compare top brands by home loan type, state availability and credit score. Select See rates to provide the lender with basic property and financial details for personalized rates.
Citibank, the parent company of CitiMortgage, isn’t accredited with the Better Business Bureau (BBB) and has an F business rating from the site. Citibank has an average customer rating of 1.04 out of 5 stars from 342 customers, with 5,612 complaints filed in the past three years.
On top of its negative reviews and complaints, Citibank was subject to a $100 million settlement in 2018 over manipulating benchmark interest rates. It’s not all bad reviews for Citibank, though — its average score from the over 3000 customer ratings on Zillow as of August 2021 is 4.82 out of 5 stars.
Positive reviews mention responsive and timely customer service from loan officers during the pandemic, while negative reviews and complaints related to home loans mention slow refinancing and rude service over the phone.
CitiMortgage is a subsidiary of Citibank, which is an international financial institution with business in 19 countries. Citi has been moving away from mortgage servicing since 2017, transferring the servicing rights for many of its mortgages to other financial institutions. But it has increased originations — meaning you can still apply for home loans with CitiMortgage, but another company may be taking care of collecting payments and sending them to Citi.
Review by
Rhys Subitch is a former writer and editor at Finder who tackled topics across the site. With half a decade of experience researching, editing, and writing for a Fortune 500 company, university, and several independent publications, Rhys brought readers the most up-to-date and curated information on all things finance.
You could find a home loan option with CitiMortgage, even if your credit isn’t perfect or traditionally verifiable. Its suite of products is well-rounded and has several options for those looking to buy or refinance. Check out our mortgage guide to compare other lenders and find the best deal for your situation.