iPhone Screenshots



The Citizens One Home Loans® app allows you to easily manage your mortgage while you’re on the go as well as see recent home sales and how your home stacks up to other homes in your neighborhood. You’ll also find nearby schools, student population and the student-teacher ratio — all simply from your mobile device.

This app is available to all existing Citizens One Home Loans customers.

The Citizens One Home Loans app is separate from the Citizens Bank mobile banking app. This app only allows current mortgage customers to manage their Citizens One home loan. You cannot manage or access other products such as auto loans, student loans, personal loans or credit cards from this app.


• Your Loan
Check when your next payment is due and how much you owe
Make a payment or pay an additional principal amount
Use our payment calculator to see how much you could save over the life of your loan by making additional payments to your principal balance
Set up recurring electronic payments
See recent payment activity
Understand how your payment was applied (principal, interest, escrow, etc.)

• Your Home and Neighborhood
Review different options to pay down your loan faster
Get info about your home’s value
Compare the value of your home to others in your neighborhood
Know who owned your home before you and how much they paid for it
Check out the average household size, growth rate and median age living in your area
See nearby schools, student population and student-teacher ratio

• Learning Center
What’s escrow?
How can I own my home faster?
What options are available if I’m having trouble making my payments?


Contact Customer Service, Monday through Friday from 8 am to 8 pm (ET), with our click-to-call right from your mobile device.


Your privacy and security are our top priority. Visit https://www.citizensone.com/security to learn more.

© Copyright 2020 Citizens Financial Group, Inc. All rights reserved.
Citizens One Home Loans is a brand name of Citizens Bank, N.A. (NMLS ID# 433960).
Mortgages are offered and originated by Citizens Bank, N.A. Loans are subject to approval. Rates are subject to change. Equal Housing Lender.

What’s New

Version 3.1.18

New Design
Easier Navigation
Enhanced Security
Convenient Payment Changes
Informational Tutorials and Resources
Bug fixes and more!

Ratings and Reviews

1.7 out of 5
146 Ratings

146 Ratings

amo097 ,

False Late Payments Notice

Per my mortgage agreement I am permitted to pay up until the 15th of each month without the loan payment being considered late even though it becomes due on the 1st of the month. The latest version of this app brings up your loan information with a large red triangle/exclamation point saying my loan payment is past due when it isn’t. Very annoying and appears to be a scam to scare clients to paying faster than actually required. When the payment posts on the 15th of the month the payment history indicates that the payment IS NOT late which is correct. So why say it is late on one screen when the history shows that it is not???

I have another mortgage with another large national lender and their app does not label your payment as late until after the 15th has passed- which is correct per the mortgage agreement. The previous version of this app did not do that and again- this update seems to be a deliberate change to cause clients unnecessary alarm. During the current national struggles under Covid-19 this is a pretty callous move.


Developer Response ,

We appreciate your feedback about the payment notice feature on our app. If your loan documents state your payment is due on the 1st of every month and we don't receive a payment by that day, your loan is considered past due. However, you have a period of time after the 1st (known as your grace period) in which you can still make your payment and not get charged a late fee. The payment notice feature was designed as a reminder that a payment is due to help you avoid being charged a late fee. If there's anything more we can do to help, please let us know. Thanks for being our Customer.

Flamethrower 107 ,

No support

Itused to work fine and I used it to monitor my loan and make extra payments. Now, it has locked me out. It gives me an 800 number to call for service. That is the general number for the mortgage company and it’s impossible to get a person. It gives you the option of leaving your phone number so that they can call back at a specified time, but they never called back. I am now unable to access my loan or manage it through this app. Citizens used to have the loans on their main app as well, but they don’t do that anymore either. Very unhappy with the service and support for this app. Might need to do my refi elsewhere instead of here.

Developer Response ,

We're sorry to hear you're unable to manage your home loan using our app. If you continue to be locked out, you can go to 'Forgot password' on the main screen to reset it. Once you get your temporary password, be sure to enter it into the 'Old/Temporary Password' field on the 'Change Your Password' screen. You can then set up your new password. If you continue to have issues, please let us know - we're here to help. Thanks for being a valued Customer.

Datkk ,

Complete and utter garbage

This app is a case study in how to build an infuriating experience for the user. The login form is unusable. It doesn’t properly support autocomplete, the support for Face ID doesn’t work at all, and the password reset functionality is broken as well. I haven’t been able to log in to my account for months and support is extremely unhelpful. This looks and feels like it was built by the cheapest off shore engineering firm they could find and the quality of the app reflects this directly. I wish they would hurry up and sell my mortgage to another company so I can get away from their technology platform as soon as possible.


Citizens Bank, N.A.
45.1 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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