CityWorth Loans Review 2025

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.

Pros and cons of CityWorth Mortgage

Affordability: 3.3/5

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

• Interest rates: CityWorth Loans doesn’t display mortgage rates on its website, so it's difficult to compare its rates to Bankrate's national averages. 
• Down payment: At CityWorth Loans, you can get a conventional loan for as little as 3 percent down, an FHA loan with just 3.5 percent down and a VA loan with no down payment.
• Fees: The lender does not disclose information about lender fees on its website. However, its APR calculator tool includes an origination fee and other lender fees in its estimation.
• Closing costs: By working with CityWorth Loans, you might be able to get a no-closing-cost loan (the tradeoff being a higher rate). For other loan types, you'll likely have to pay between 2 and 5 percent of the total loan amount in closing costs.

Availability: 3.8/5

Because of CityWorth’s limited geographic reach and product menu, it scored 3.8 out of 5 stars for availability.

• Home loans offered: CityWorth Loans offers conventional, FHA and VA loans. It also offers multiple refinancing options. However, it doesn’t offer jumbo loans or home equity products.
• Footprint: Its loans are available to qualified borrowers in Florida, Georgia, Indiana, Maryland, New Jersey, North Carolina, Ohio, 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: 3/5

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: You can expect convenience in your experience with CityWorth, which 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 Loans funded $43 million in loans in 2023, 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 2.9 out of 5 stars, with an "Average" rating at the time of this writing. 

CityWorth Loans offers rate-and-term and cash-out refinancing options. The lender doesn’t display its refinance rates or fees online, however, so you’ll have to start the application process if you want to learn more about costs.

You can apply for a mortgage with CityWorth Loans online or by phone at 877-908-6250. Here are some tips to prepare for the process:

1. Check your credit report. It’s important to check your credit report before your lender does, in case there are errors that could impact not only whether you get preapproved but also your ability to get the best mortgage rate. Knowing your credit score also helps you decide what type of loan to apply for. If your score is in the very low 600s, for instance, an FHA mortgage might be best for you, as its standards are more lenient than those for conventional loans.
2. Gather personal and financial documents. With any lender, you must supply documentation about your income, assets and debts. This includes pay stubs and W-2s and account and loan statements.
3. Provide details about the property. You’ll need to provide the address of the home and submit to a home appraisal. (If you’re refinancing, you might or might not need an appraisal.)