Let's get you home.
A new way home—built for our community.
We’re excited to announce the launch of Citizens Bank Mortgage—our new mortgage division built to deliver the same trusted, hometown service you know, now with faster approvals, flexible loan options, and a streamlined experience from start to finish. At Citizens Bank, we believe getting a mortgage shouldn’t be overwhelming. That’s why we’ve combined local expertise with modern tools to help you buy, build, or refinance—on your terms.
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Why choose Citizens Bank Mortgage?
Pre-approval in minutes, not days
No more waiting days—get a head start with fast, convenient pre-approvals.
A Team You Can Trust
Our experienced team is here to guide you every step of the way.
Close with Confidence
Buy now and refinance later—if rates drop more than 1% within a year, you can refinance with no origination fees.*
See below for more details.
Apply Online with Ease
Enjoy a smooth, secure digital application process from wherever you are.
Home Loan Solutions that Fit Your Life
Conventional Mortgage
Looking for long-term peace of mind? A Conventional Mortgage features a fixed interest rate and predictable monthly payments for the life of the loan. This stability makes it a popular choice for homeowners planning to stay in their home for many years.
Adjustable-Rate Mortgage (ARM)
Ideal for those seeking a short-term option, an Adjustable-Rate Mortgage (ARM) offers a lower initial interest rate that remains fixed for a set period—typically 5 years. After this initial term, the rate may adjust periodically based on market conditions, which could result in changes to your monthly payment. The interest rate or payment may increase after the fixed period. This option is great for buyers who anticipate moving or refinancing before the adjustment period begins.
Jumbo Mortgage
Need a larger loan for a luxury or investment property? Jumbo Mortgages are designed for homes that exceed the standard loan limits set by the Federal Housing Finance Agency.
VA Mortgage
Exclusively for veterans and active-duty service members, VA loans offer no down payment options. Offered in partnership with additional mortgage provider.
FHA Mortgage
Perfect for first-time buyers, FHA loans offer low down payment options and flexible credit requirements. Offered in partnership with additional mortgage provider.
More about our Close with Confidence Promise
At Citizens Bank, we’re proud to offer a mortgage promise that’s truly unique in Arkansas. With our Close with Confidence Promise, you can lock in your mortgage today knowing that if interest rates drop by more than 1% within a year of closing, you’ll have the opportunity to refinance without paying origination fees*. Whether you're a first-time buyer or a seasoned homeowner, we’re here to make your mortgage experience personal, fast, and stress-free—so you can feel confident today and tomorrow.
Let's get you home.*Origination fees paid by Citizens Bank. Fees for services not controlled by the bank—such as appraisal, title insurance, and government recording—may still apply. Offer valid only for mortgages originated by Citizens Bank Mortgage as of June 2, 2025. Limited to one use within 12 months of your most recent mortgage closing date. Offer valid for 12 months from the closing date of your current mortgage. Customer must contact the bank for eligibility and current rates. Current Interest rate must be at least 1% lower than the original interest rate at closing, based on current market rates. Customer must maintain a Citizens Bank checking account with at least one recurring monthly direct deposit. All other mortgage terms and eligibility requirements apply. See bank for details. NMLS ID: 794298. Member FDIC.
Have more questions?
Visit our FAQ page for quick answers.
Want to talk through it?
Call us at (844) 350-8512 or meet our team to get personalized guidance.
NMLS ID: 794298
Meet the Mortgage Team
