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Daniel Heffernan Citizens Bank

Daniel Heffernan

Sr. Loan Officer at Citizens Bank

NMLS ID #680432

Main Number
(617) 840-6936(617) 840-6936


28 State Street
12th Floor
Boston, MA 02109


Main Number
(617) 994-7578(617) 994-7578
(617) 840-6936(617) 840-6936
Fax Number
(866) 638-5796(866) 638-5796

About Us

About Me

Thank you for visiting my web site. As a seasoned veteran of the residential mortgage industry and a Sr. Loan Officer at Citizens Bank since 2009, I offer residential mortgages to the affluent, mid-career professionals and first time home buyers. My extensive 40-year commercial, retail banking and credit background allows me to offer the very best customer service and provide essential financial evaluations and recommendations. Citizens Bank offers a variety of mortgage products with aggressive pricing, further allowing me to meet my clients’ personal needs while offering competitive interest rates. Over the past 20 years, I closed over $1.0 billion in first and second residential mortgages, achieving the President’s Club designation for top sales volume leaders annually, including 2019.

I am proud of the Harvard University Preferred Mortgage Program that I launched almost 30 years ago with Harvard University and its various academic schools, including Harvard Medical School and all 19 affiliated hospitals and medical institutions. Over the years, I assisted over 6,000 Harvard faculty and staff members meet their residential mortgage financing needs.

I consistently provide an unparalleled level of customer service on every mortgage transaction and offer personalized financial evaluations and recommendations to ensure that all clients receive a mortgage program tailored to their financial goals and objectives. My office is conveniently located in downtown Boston, and I am supported by Sr. Loan Officer Assistant Lisa Sabey at lisa.sabey@citizensbank.com and 617 994-7549.


  • 2010-2019 President's Club

About Citizens Bank

Our team of mortgage experts at Citizens Bank is committed to helping customers find the home loan solution that’s right for them. Citizens Bank, N.A. is one of the nation’s oldest and largest financial institutions, with a nearly 200-year history of serving customers and communities. Whatever your mortgage needs—buying a home, building a home, or refinancing an existing mortgage—we’ll provide answers and insights to guide you through the process, from application to closing.

Featured Products & Services

  • Fixed and adjustable rate mortgages
  • Affordable home financing programs
  • FHA/VA loan programs
  • Jumbo loans
  • Condo financing
  • Physician home loans
  • Second home and investment property loans
  • Construction-to-permanent financing
  • Renovation-to-permanent financing

Fast. Convenient. Easy. Apply Online Today.

Our simple online mortgage application process makes it faster for you to get a new home loan. Easily connect your financial documents and get through the application in as little as 10 minutes!²

Manage Your Mortgage on the Go

The Citizens One Home Loans® mobile app is an easy and convenient way to manage your Citizens mortgage on the go. Available from the App Store® or Google Play.³ Download and register today!

Get a 0.125% Mortgage Interest Rate Discount¹

Ask me how you could save money when you set up automatic payments from your Citizens Bank checking account for your new home loan.

Mortgage Learning Center

We’re here to make sure you have the resources and solutions to help you reach your potential.Starting your research early is often the key to a successful financial transaction. With that in mind, we’ve put together a selection of articles to help you learn more about mortgages and the home buying process.

Bank Branches Served

Citizens Bank 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PMClosed Today Closed Today
73 Tremont St
Boston, MA 02108