Citi Mortgage 2021 Review | The Ascent


SureStart® Pre-approval

Citi offers a pre-approval process that results in a firm commitment to lend. Citi reviews the applicant’s income and asset documents, and gives its approvals in writing. This service is free.

Options for applicants without a deep credit history

Not all creditworthy applicants qualify for a mortgage based on traditional credit history. Some people are new to credit. Others prefer to live a cash lifestyle. Some may be new to the U.S. Whatever the case, Citi Mortgage is willing to evaluate alternative credit data for applicants who need it.

Home loan support

Citi provides easy access to mortgage assistance resources. It has a dedicated in-house department to help struggling borrowers. The support link is prominently featured on the website, and the options are comprehensive. In two clicks, you can find detailed information about catching up on late payments, deferment and forbearance options, and payment extensions.

Highly rated

Citi’s banking and mortgage businesses are consistent consumer favorites. They’ve ranked:

  • No. 1 in the J.D. Power 2020 U.S. Retail Banking Advice Satisfaction Study
  • No. 7 in the J.D. Power 2019 Primary Mortgage Origination Satisfaction Study
  • 4.85 out of 5 stars on Zillow
  • Kiplinger’s 2019 best bank for high-net-worth families
  • Business Insider’s 2018 best bank for most desirable mobile features
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Citi hasn’t been ranked recently on mortgage servicing, possibly because it uses a third-party mortgage servicer.

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