NMLS# 433960

Citizens Bank, N.A.

Lender Summary

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.

What they're saying

Ratings & Reviews
2844 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

Terrible Experience

The process started out quite easily, until they needed a certain document which I provided. They kept asking for more and more information. Now there's no communication from them even though I have emailed them and phoned them several times. Stay away from Citizens!

  • Loan Type:

    Home Equity Loan or Line of Credit
  • Review Type:

    Lender Review

WORST EXPERIENCE EVER!

I applied for a HELOC of April 12, 2021. Provided ALL necessary documents with 24 hours. Tier 1 credit and minimal credit card debt. I was told to expect a maximum of 45 days until closing. 90 days later, not a word until I sent a flurry of emails. Then they offered a lesser amount than I asked for at a higher rate. ZERO Communication from anyone. I have emailed and called and they have not responded including a supervisor (Holly Cohen). Disappointment is an understatement. Stay far away,

  • Loan Type:

    Home Equity Loan or Line of Credit
  • Review Type:

    Lender Review

Awful refinance experience

I’ve been working with Citizens since last spring for a refinance. (It’s now January.) The process has dragged on. Poor communication. I send multiple emails asking for an update; no reply. The latest disclosures I did receive had the wrong loan amount and showed closing costs of three times what I was originally quoted. I want to pull my application at this point but have already paid for the appraisal and signed papers. Avoid Citizens for a refinance.

  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

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LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

Citizens Bank, N.A.

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