Citizens Bank, N.A. Ratings & Reviews

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NMLS ID: 433960

Citizens Bank, N.A.

(4.5 of 5) 2813 Reviews

90% of our customers would recommend this lender.

About Citizens Bank, N.A.

The company offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. Consumer Banking helps its retail customers “bank better” with mobile...

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Loan Officers

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David Galatt woodcliff Lake, NJ
Brian Reed Philadelphia, PA
David Fallarino New York, NY
Paul Malstrom Towson, MD
Jay Goldrick Canton, MA
Gregory Della Penna Woodcliff Lake, NJ
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Customer Reviews

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2813 Reviews

(4.5 of 5)
  • Loan Officer Review
    from Arlington, VA
    (1 of 5)
    Reviewed:
    Loan Type:
    Home Purchase
    Services:
    None - we connected, but I didn't move forward

    Do not work with Paul Malstrom or Citizens Bank

    (0) (0)
    Paul Malstrom has lots of flash and charm - and very little respect or even gravitas. I hope through writing this review, I can save some time, money and enormous hassle for unsuspecting clients of this man. I was informed about the problems Paul Malstrom was having completing my closing after 5pm the day before my original closing date of June 23, 2017. It's important to note that this date was aggressively selected by Citizen’s One, Paul's lending institution. Paul's actual words in a text message at around 5:40pm were "I just got a bomb dropped on me". This failure at the eleventh hour put immeasurable stress on me a buyer, as well as significant liability - I just got lucky that my particular seller was willing to grant an extension without penalizing me. My real estate agent had already removed the financial contingency based on Citizen's One's commitment to lend, so I could have lost my earnest money deposit or even been sued by the seller for damages. I spent several days frantically jumping through hoops to ensure that I did not lose this home and my moving deposit. Had I at least known about this issue a couple weeks ago prior to the original set closing date, I could've made arrangements in a calm and timely manner. It is also worth noting, Citizens One missed two additional closing dates. They stumbled through the entire process with little explanation or prediction of being able to bring things to fruition. I worked with Citizens One based on a referral, and this ended up being among the worst experiences of my life. As a result of Citizen’s One’s egregiously careless manner of handling the situation, I respectfully asked to be compensated for the costs that I was forced to incur because of their mistakes. In reply, I received a very smug letter from the “Office of the Chairman” blaming everyone else involved in the process, except for themselves. Please do save yourself the headache and do not consider working with this loan officer and his bank. You will regret it. I ended up proceeding with another lender that was able to seamlessly take care of the financing. ... Read More

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  • Loan Officer Review
    from Edgewater, NJ
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Home Purchase
    Services:
    Closed loan with this loan officer

    Excellent Experience

    (0) (0)
    David did an excellent job shepherding our loan application through the process. He was also patient, in spite of me periodically arguing with him (we didn't get the original loan structure we were seeking because we didn't qualify for it) and took the time to explain the ins and outs of the application guidelines and income/asset thresholds. The whole process was very transparent, had no surprises and we're very happy with our new home. David and his assistants managed to push our package through and close right on time and we closed within 60 days of signing a contract. Nothing felt rushed or stressed throughout the process though I have no doubt that they were working hard. I highly recommend David to anybody seeking a new mortgage... Read More

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  • Loan Officer Review
    from Westfield, NJ
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Home Purchase
    Services:
    Closed loan with this loan officer

    NJ new home purchase

    (0) (0)
    David got the job done despite some last minute issues that came up from the seller. He knows how to get things pushed thru the process quickly and i always felt he had my best interest in mind. The rate was outstanding and i would recommend him to others.

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  • Lender Review
    from Essex Fells, NJ
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Home Purchase
    Services:
    Closed loan with this lender

    Smooth Transaction thanks to Citizens

    (0) (0)
    I had the opportunity to work with David Galatt and the team at Citizens to complete a loan for the purchase of my home. From my initial contact with David to final closing, the process was very straightforward and smooth. David showed a better understanding of my home loan needs than the other lenders I spoke with and was able to arrange the ideal loan structure for me at extremely competitive rates. His colleagues at Citizens were incredibly proactive about collecting the required information from me and were responsive to any questions that I had. They were prepared to close well in advance of my actual closing date and at closing, the attorneys and settlement agents commented on how quickly Citizens provided final approval for the completion of the loan following their submission of the signed loan docs. I would not hesitate recommending David and the team at Citizens to others for their financing needs... Read More

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  • Loan Officer Review
    from Essex Fells, NJ
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Home Purchase
    Services:
    Closed loan with this loan officer

    Smooth Transaction thanks to David and Citizens

    (0) (0)
    I had the opportunity to work with David and the team at Citizens to complete a loan for the purchase of my home. From my initial contact with David to final closing, the process was very straightforward and smooth. David showed a better understanding of my home loan needs than the other lenders I spoke with and was able to arrange the ideal loan structure for me at extremely competitive rates. His colleagues at Citizens were incredibly proactive about collecting the required information from me and were responsive to any questions that I had. They were prepared to close well in advance of my actual closing date and at closing, the attorneys and settlement agents commented on how quickly Citizens provided final approval for the completion of the loan following their submission of the signed loan docs. I would not hesitate recommending David and the team at Citizens to others for their financing needs... Read More

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  • Loan Officer Review
    from Brooklyn, NY
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Home Purchase
    Services:
    Closed loan with this loan officer

    New Condo loan

    (0) (0)
    David's help closing a loan on our home was flawless: he was creative in finding solutions to my need and flexible to some of the turns in the road that we faced. I d recommend him to my friends.

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  • Loan Officer Review
    from Brooklyn, NY
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Home Purchase
    Services:
    Closed loan with this loan officer

    New Condo loan

    (0) (0)
    David's help closing a loan on our home was flawless: he was creative in finding solutions to my need and flexible to some of the turns in the road that we faced. I d recommend him to my friends.

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  • Loan Officer Review
    from Westport, CT
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Home Purchase
    Services:
    Closed loan with this loan officer

    Best out there

    (0) (0)
    David was great in guiding us through the mortgage process. He and his team were always very responsive. I constantly reached out to him with questions and he never hesitated to answer them thoroughly and make sure I knew all the details.

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  • Loan Officer Review
    from Larchmont, NY
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Home Purchase
    Services:
    Closed loan with this loan officer

    Best Loan officer I could have asked for

    (0) (0)
    David was responsive, knowledgeable and his pricing was more competitive than all the other lenders. His experience shows, not only when he guided me through the application process but going beyond that ; he helped with closing and other queries. David and his team were great.

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  • Loan Officer Review
    from Bedford, NY
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Home Purchase
    Services:
    Closed loan with this loan officer

    80/10/10

    (0) (0)
    David listened to understand my situation. He reacted quickly, was flexible and worked with me to make it all come together. Not to mention that he found me a fantastic rate on an 80/10/10 loan. I could not have been happier. Great service and a great deal.

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The company offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. Consumer Banking helps its retail customers “bank better” with mobile and online banking, a 24/7 customer contact center and the convenience of approximately 3,200 ATMs and approximately 1,200 Citizens Bank branches in 11 states in the New England, Mid-Atlantic and Midwest regions. Citizens also provides mortgage lending, auto lending, student lending and commercial banking services.