CityWorth Mortgage Review 2026

CityWorth Mortgage is an online-only mortgage lender founded in 2012 and headquartered in Fairfax, Virginia. CityWorth is a smaller regional company operating in nine states, mostly in the eastern U.S. and Texas, with an annual revenue of roughly $10 to $50 million. The lender offers conventional, FHA, jumbo and VA loans and refinancing, including VA debt consolidation loans. It also offers a no-closing-cost option in which you avoid paying upfront costs in exchange for a higher rate.

Affordability: 3.3 stars

Because of the lack of rate transparency, it's difficult to see how CityWorth's rates compare with those of other lenders. For this reason, the lender earned 3.3 out of 5 stars for affordability.

• Interest rates: CityWorth Mortgage doesn’t display mortgage rates on its website, so it's difficult to compare its rates to Bankrate's national averages. 
• Down payment: CityWorth Mortgage offers conventional loans with as little as 3% down, FHA loans with just 3.5% down and VA loans with no down payment.
• Fees: The lender doesn’t disclose its fees on its website. However, its APR calculator tool includes an origination fee and other lender fees in its estimation.
• Closing costs: You may be able to roll your closing costs into your mortgage financing for a no-closing-cost loan, but you’ll pay a higher rate. For other loan types, you'll likely have to pay between 2% and 5% in closing costs.

Availability: 4.2 stars

Because of CityWorth’s limited geographic reach and product menu, it scored 4.2 out of 5 stars for availability.

• Home loans offered: CityWorth Mortgage offers conventional, FHA and VA loans. It also offers multiple refinancing options.
• Footprint: Its loans are available to qualified borrowers in Florida, Georgia, Maryland, North Carolina, Pennsylvania, South Carolina, Tennessee, Texas and Virginia.
• Where to find: You can apply for a mortgage online or by phone. There are no branch locations for in-person assistance.

Borrower experience: 3 stars

Because CityWorth’s convenience is offset by a lack of rate transparency, it scored 3 out of 5 stars for borrower experience.

• Application and preapproval process: CityWorth averages 24 days on loan approvals (according to the lender’s website). The lender uses the Loanzify app to help guide you through the mortgage application process, and you can begin your application via its website.
• Transparency: CityWorth requires you to submit contact information before receiving a rate quote.
• Customer service: You can fill out an online form, email or call to get in touch with the lender.

CityWorth Mortgage only originated 165 home loans in 2024, according to federal data. The lender has an A+ rating from the Better Business Bureau but does not hold accreditation with the organization. On Trustpilot, the lender gets 4.7 out of 5 stars, with an "Excellent" rating at the time of this writing.