CityWorth Mortgage Review 2022

Written by
Edited by

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for

At a glance


NMLS: 925476


  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon
  • star icon

Bankrate Score

Mortgage percent icon

Loans offered

Conventional, FHA, VA, fixed-rate, adjustable-rate; rate-and-term, cash-out and streamline refinancing
Location Icon

Nationwide availability

Available in Alabama, Arkansas, Florida, Georgia, Indiana, Maryland, Michigan, Minnesota, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas and Virginia
Credit good icon

Min. credit score required

620 for conventional loans; 580 for FHA loans

Pros and cons


  • Lower-credit score loan availability
  • DubbleUpp program that encourages buying a home with a friend
  • Streamlined approval and underwriting process


  • No jumbo loans, HELOCs or home equity loans
  • Doesn’t offer immediate online preapproval; you have to speak to a loan advisor first

CityWorth overview

CityWorth Mortgage, also known as CityWorth Loans, is an online-only mortgage lender headquartered in Fairfax, Virginia. The lender offers conventional, FHA 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.

Good for

Borrowers interested in an online process or a no-closing-cost mortgage

Loan types

  • Conventional
  • FHA
  • VA
  • Fixed-rate
  • Adjustable-rate
  • Rate-and-term, cash-out and streamline refinancing

Lender fees 

CityWorth Mortgage’s lender fees range from 1.5 percent to 3.5 percent of the loan.


CityWorth Mortgage does not advertise interest rates or the fees it charges online. You’ll need to fill out an application and speak with a loan officer to see what rate you might qualify for.


CityWorth Mortgage has 4.6 out of five stars on Trustpilot based on more than 950 reviews, the majority of which are “Excellent.”

Online services

CityWorth Mortgage is an online lender, so it makes sense that its online experience is convenient and easy to use. You can walk through the home loan process through the lender’s website, but if you need a hand, you can send an email or call and speak to a loan officer for help. While the lender’s website is somewhat limited when it comes to educational information, it does explain the benefits of buying a home over renting and offers tips for first-time homebuyers, among other resources.

Minimum borrower requirements

CityWorth Mortgage borrowers interested in a conventional loan need a minimum credit score of 620 and at least 5 percent for a down payment to qualify. Borrowers also can’t exceed a debt-to-income (DTI) ratio of 50 percent with a Fannie Mae HomeReady loan (a type of conventional product). That means the sum of your monthly debts (including the new mortgage payment) cannot exceed 50 percent of your gross monthly income.

Refinancing with CityWorth Mortgage

CityWorth Mortgage offers refinancing, whether you’re looking to reduce your interest rate, lower your monthly payments or take equity out of your home as cash or to consolidate other debt. The lender doesn’t advertise its refi rates or fees, so you’ll have to start the application process if you want to learn more about costs. 

Not sure if CityWorth Mortgage is right for you? Consider these alternatives

Breakdown of CityWorth Mortgage overall review score

  • Affordability: 3/5
  • Availability: 4/5
  • Borrower experience: 4.7/5

Review methodology

To determine a mortgage lender’s Bankrate Score, Bankrate’s editorial team rates lenders on a scale of one to five stars based on a variety of factors relating to the lender’s products and services. Bankrate’s partners compensate us, but our opinions are our own, and partner relationships do not influence our reviews. Here is our full methodology.

Written by
TJ Porter
Contributing writer
TJ Porter is a contributing writer for Bankrate. TJ writes about a range of subjects, from budgeting tips to bank account reviews.
Edited by
Mortgage editor