Mortgage comparisons Citizens Bank

Citizens Bank · Bank

Citizens Bank

Review published mortgage options and requirements, then request a personalized quote from the lender.

Availability: Mortgage state availability disclosure: Citizens provides mortgages in the following states: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX***, UT, VA, VT, WA, WI, WV, WY. Other geographic restrictions may apply with specific Citizens mortgage product options. ***TX only eligible for purchase transactions. Mortgage State Availability Disclosure: Citizens provides Mortgages in the following states: CT, DC, DE, FL, GA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, NH, NJ, NY, OH, PA, RI, SC, TN, TX**, VA, VT, WV **Texas is eligible for purchase transactions only. Portfolio loan programs are available only in select states. Published purchase and refinance lists differ; verify state eligibility for the chosen purpose. Application is through the Citizens/Blend entry path.

At a glance

Property use
Second home

Still to confirm: Borrower type, Credit requirement, Reserves.

Our take: Pros & Cons

What we like

  • Conforming, FHA, VA, jumbo and construction-to-permanent financing are offered.
  • Eligible self-employed borrowers can use 12 or 24 months of business or personal bank statements under the bank-statement program.
  • Eligible licensed doctors and medical residents may qualify for the Doctor Loan subject to occupation, timing and property restrictions.

What to consider

  • State and occupancy availability vary by program; portfolio programs are offered only in select states and Texas is purchase-only.
  • Low down payment, mortgage insurance, loan limits, documentation and credit approval depend on the chosen program.
  • Advertised rates include conditional autopay/e-statement discounts and borrower assumptions; inconsistent purpose disclosures are withheld pending clarification.

AI-generated lender-level assessment based on published information. Not a verified assessment of Construction-to-Permanent Financing — Second home; confirm program-specific conditions below.

Additional lender considerations
  • Closing Cost Assistance offers down-payment and/or closing-cost grants to eligible borrowers in Citizens’ CRA Assessment Area.
  • SSN, ITIN, visa, foreign-credit, foreign-income and no-credit-history acceptance require lender confirmation.

Newcomer requirements

Construction-to-Permanent Financing — Second home

Fit not assessed · Check fit

Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.

State restrictions
The construction-to-permanent program disclosure: Citizens provides mortgages in the following states: CT, DC, DE, FL, GA, IN, KY, MA, MD, ME, MI, NC, NH, NJ, NY, OH, PA, RI, SC, TN, VA, VT, WV.
Occupancy
Second home
View full lender requirements
State restrictions
The construction-to-permanent program disclosure: Citizens provides mortgages in the following states: CT, DC, DE, FL, GA, IN, KY, MA, MD, ME, MI, NC, NH, NJ, NY, OH, PA, RI, SC, TN, VA, VT, WV.
Occupancy
Second home
Other conditions
All loans subject to approval. Portfolio programs are available only in select states; offers may be withdrawn or changed without notice.
Read official lender requirements ↗
Questions to confirm with the lender (14)

These requirements have not been verified for this program:

  • SSN
  • ITIN
  • U.S. credit history
  • Foreign credit history
  • No credit history
  • Residency / visa
  • Minimum credit score
  • Minimum down payment
  • Income documentation
  • Employment documentation
  • Foreign income
  • Foreign assets
  • Reserves
  • Property restrictions

Requirements last reviewed: Oct 26, 2026 · Official requirements source

Rates and costs

Construction-to-Permanent Financing — Second home

Rates are available on request
No reviewed advertised rate example is linked to this program.

How to apply

Construction-to-Permanent Financing — Second home

Document requirements are not confirmed. Ask the lender for its program-specific checklist.

  1. Confirm the program's identity, residency, credit and property requirements with the lender.
  2. Use the official application channel to request pricing for your actual scenario.
  3. Review the lender's written Loan Estimate, including costs and cash to close.

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Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.

Sources and methodology

About this lender

Citizens Bank home purchase and refinance mortgages, including conforming, FHA, VA, jumbo, construction, bank-statement and doctor loan options with program-specific eligibility and geographic limits.

Legal lender: Citizens Bank, N.A.

Lending channel: Direct lending

Provider type: Bank

Lending channels: Direct lending. Origination status: Active.

NMLS identifier: 433960

Published service states: AL,AR,AZ,CA,CO,CT,DC,DE,FL,GA,ID,IL,IN,KS,KY,LA,MA,MD,ME,MI,MN,MO,MS,MT,NC,ND,NE,NH,NJ,NM,NV,NY,OH,OK,OR,PA,RI,SC,SD,TN,TX,UT,VA,VT,WA,WI,WV,WY

More lender directory information

Direct application information ↗

Mortgage state availability disclosure: Citizens provides mortgages in the following states: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX***, UT, VA, VT, WA, WI, WV, WY. Other geographic restrictions may apply with specific Citizens mortgage product options. ***TX only eligible for purchase transactions. Mortgage State Availability Disclosure: Citizens provides Mortgages in the following states: CT, DC, DE, FL, GA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, NH, NJ, NY, OH, PA, RI, SC, TN, TX**, VA, VT, WV **Texas is eligible for purchase transactions only. Portfolio loan programs are available only in select states. Published purchase and refinance lists differ; verify state eligibility for the chosen purpose. Application is through the Citizens/Blend entry path.

Directory verified: 2026-10-26 UTC · Official directory source ↗

Official mortgage terms · Profile reviewed: Oct 26, 2026

What do APR, points, LTV and reserves mean?
APR
An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
Discount points
An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
LTV
Loan-to-value: the loan amount relative to the property's value.
Reserves
Assets the lender may require you to retain after closing. Requirements differ by program.

CFPB: understand your Loan Estimate

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