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CityWorth mortgage review

A direct lender with a stellar customer reputation but few specialty options.

CityWorth offers all the most popular mortgage loan options with straightforward requirements and a streamlined preapproval process. But you’ll need to speak with a loan officer to find out about its rates and finish your application.

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Loan products offeredConventional, FHA, VA, Refinance
Minimum credit scoreFHA: 620
VA: 620
Minimum down payment (Conventional)3%
State availabilityAL, AR, FL, GA, IN, MD, MI, MN, NC, OH, PA, SC, TN, TX, VA, WI
NMLS #925476

CityWorth requirements

This lender lists out most of its loan requirements online.

Loan-to-valueDebt-to-incomeMinimum credit score


Have the following documents on hand before you get started. Depending on your situation, your loan officer may request additional documentation.

  • Paystubs covering the most recent 30-day pay period, including year-to-date earnings
  • W-2 forms and employment history for the past two years
  • Award letter if you receive Social Security income, disability or VA benefits
  • Tax returns and Profit and Loss statements covering the last two years, if self-employed
  • Divorce decree or court order stating the amount of alimony or child support and proof of receipt of funds for the last year, if applicable
  • Bank statements for the last three months

Costs and fees

Although CityWorth doesn’t list all its fees online, expect to pay the following fees:

  • Application: $250 to $350
  • Origination: 1% of the loan amount
  • Attorney fee
  • Rate lock fee
  • Document preparation fee
  • Land survey
  • Appraisal fee
  • Title search and insurance

How to apply for a mortgage with CityWorth

Start a home loan application with CityWorth by getting preapproved on its website:

  1. On CityWorth’s homepage, select Apply Now.
  2. Choose Get Started to begin the application process.
  3. Fill in your name, email and phone number. Select Next.
  4. Input the loan information, such as the type of loan and your credit history.
  5. Fill out your current address and answer a few questions about your income. Choose Accept and Submit. A loan officer should contact you within three business days.

What types of mortgages can I get through CityWorth?

  • Conventional
  • FHA
  • VA
  • USDA
  • Jumbo
This company accepts mortgage refinance applications.

Other mortgage products offered by CityWorth

CityWorth also offers a few additional products:

  • Refinance. CityWorth can refinance your existing home loan with different loan terms and cashout options, as well as FHA and VA refinance options.
  • DubbleUpp. More of a program than a specialty loan, CityWorth has a plan in place to help you purchase a home with a friend with a list of benefits that come with sharing the expenses and eventual profit.

How CityWorth’s mortgage products compare to other lenders

CityWorth is mostly a just-the-basics kind of lender, offering conventional, FHA and VA loans with refinance options. But the loans it offers are the most popular, and the lender’s straightforward approach on its website will appeal to borrowers who want to know whether they might qualify without having to contact a loan officer or go through a time-consuming application process first.

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CityWorth reviews and complaints

As of August 2021, CityWorth has 960 reviews on Trustpilot and is rated 4.6 out of 5 stars. It’s also accredited with the Better Business Bureau (BBB) and holds an A+ rating for responding to 18 customer complaints in the last three years. With 20 reviews, the lender is rated 2.6 out of 5 stars.

Many customers praise CityWorth for friendly, helpful agents, and many felt the process was efficient and professional. The main complaint was that, despite helpful loan officers, its underwriters requested last-minute documents, resulting in a later closing date.

Pros and cons of CityWorth


  • Streamlined preapproval. An underwriter will review your loan application before the official application process begins. This speeds up the process overall.
  • Transparent requirements. CityWorth’s website lists off almost all its loan requirements, which makes research easier.
  • High customer ratings. This lender’s customer reviews are higher than many lenders its size, with many customers naming the loan officers they work with and raving about their service.


  • No published rates. You won’t find rates on its site — you’ll need to submit a full application to find out what your rate could be.
  • No home equity loans. CityWorth doesn’t offer any home loans to tap into the equity you’ve built.

What is CityWorth?

CityWorth was founded in 2011 and is headquartered in Fairfax, VA. This direct lender is licensed with the Nationwide Mortgage Licensing System and Registry (NMLS) and uses in-house underwriting. It is an affiliate business with CityWorth Properties, a real estate agency.

Review by

Kimberly Ellis is a writer at Finder. She hails from New York City with a BA from Queens College and a New York State teaching certificate. After teaching in both public and private schools, Kimberly decided to take the world by storm and dive into the media industry — where she covers everything from home loans and investing to K–12 education and shopping. She’s also an aspiring polyglot, always in a book and forever on the hunt for the perfect classic red lipstick.

Expert review

CityWorth has solid ratings from current customers and an easy-to-research website for borrowers interested in its loan offerings. The lender’s application process and borrower criteria are comparable to other lenders. But since it doesn’t publish its rates online and many users report last-minute underwriting requests, you may want to compare other mortgage lenders.

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