Citibank Mortgage Review
See how often this lender beats the typical offer on 2025 loans.
How Bankrate scores Citibank Mortgage
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
4 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
4%4 out of 5 - Where and what they lend
How many states and loan types this lender serves.
89%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. Both of those measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, fewer than 90% did, which might mean quoted terms changed before closing, applicants stepped away, or both.
Ready to get the lowest rate?
the lowest rate?See what Citibank Mortgage will actually offer you when it has to compete — in minutes, with no hit to your credit.
What Bankrate's editors think
Citibank earns a full 5 stars in its Overall rating, and it’s not just size behind that score — about 82% of its loans were priced below comparable 2025 loans, and it charges less in added cocsts over eight years than most lenders that Bankrate reviews. Existing customers get perks too: a $500 closing credit or a rate discount up to 0.625%, plus its HomeRun program (3% down, no PMI, select cities) and SureStart preapproval, which comes with an actual commitment to lend. In specific metro census tracts, income-qualified buyers can get up to $7,500 toward closing costs.
Despite the strong pricing, roughly 1 in 5 approved loans here never reaches closing, worse odds than most lenders rated by Bankrate. Remember that loans can fail to reach closing for many reasons, some of which are beyond a lenders control, such as an applicant walking away.
One more contrast: Citi ranked first in J.D. Power’s 2025 customer satisfaction study for mortgage origination, but carries a D- from the BBB and a 1.1-star Trustpilot score.
At a glance
Good for existing or prospective Citi customers who want relationship discounts or credits toward closing costs. Not a good fit if you need in-person service outside Citi’s branch footprint, or a USDA loan, which Citi doesn’t offer.
Compare lenders
Get today's rates for youCompare Citibank Mortgage with any of our rated 1,962+ lenders. We start by stacking it up against a lender of similar reach and scale — but you can swap in any lender you’d like.
Figures are drawn from public lending and complaint data and weighted by loan volume.
Ready to see what Citibank Mortgage will really offer you?
See your real rate in minutes, with no hit to your credit.
