Daniel Heffernan Citizens Bank

Daniel P. Heffernan

Loan Officer at Citizens Bank

NMLS ID #680432

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


28 State Street
15th 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

As an experienced veteran of the home financing industry and a senior loan officer at Citizens Bank since 2009, I provide added value assistance to both seasoned homeowners and first-time home buyers. My extensive 38-year career in commercial and retail banking lends me unique perspective and insight, which enables me to provide essential financial evaluations and recommendations.

Citizens Bank offers a variety of mortgage products with competitive rates, further allowing me to meet my clients’ needs. Over the past 20 years, I've closed over $1.0 billion in first and second mortgages, annually achieving the Citizens Bank President’s Club designation for top sales volume leaders.

I consistently provide an unparalleled level of customer service on every mortgage transaction and ensure that all clients receive a mortgage program tailored to their financial goals and objectives.

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
  • Second home and investment property loans
  • Construction-to-permanent financing
  • Renovation-to-permanent financing

Get 0.125% Mortgage Interest Rate Discount

Ask me how you can 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.

Young female homebuyer sitting on floor surrounded by moving boxes looking at cell phone

Bank Branches Served

Citizens Bank 8:30 AM - 4:00 PM 8:30 AM - 4:00 PM 8:30 AM - 4:00 PM 8:30 AM - 5:00 PM 8:30 AM - 5:00 PMClosed Today Closed Today
73 Tremont St
Boston, MA 02108
Citizens Bank 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PMClosed Today Closed Today
53 State St
Boston, MA 02109
Citizens Bank 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 4:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 1:00 PMClosed Today
141 Portland St
Cambridge, MA 02139