We had a mortgage about 8 years ago which we've since paid off. At the time, Citizens was about 1/2 percentage point higher than other financial institutions. We got our mortgage by shopping online. All paperworks was handled in a timely manner, and and I had a telephone number of a person for the bank (might have been Wells Fargo, just can't remember) who was great at coordinating the details and always responded to calls and emails. I would recommend not going with Citizens.
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