I used BB&T for closing. I too found that when I went to Citizens they wanted 48 hours in advance for an appt to talk to a loan officer to maybe get the rate. They tell you they are competitive but when I did get a rate they were 0.25% HIGHER than most other banks. They also said they get 80% of the mortgages in The Villages and will close on time with no worries. BB&T was easy, competitive, you can lock for up to 60 days if rates are climbing, AND they closed ON TIME also with no worries! If you read your "agreement regarding mortgages and closing" with the design person, they scare you into thinking if you do not close on time there are many penalties so people just use them. It is no harder to use other banks for the closing. I went to BB&T's site and as of today it is 3.375% with 0.5 pts. This is a link you can check their rates. Might be a bit more with 0 points, but also watch the other "fees" what some banks bury in the closing costs.
https://app.bbt.com/qquote/qquoteSea...archResultsAtn