Citizens Bank Wholesale Ground-Up Construction Program
Citizens Bank Wholesale Ground-Up Construction wholesale program
Citizens Bank Wholesale (Not published by the lender) advertises Ground-Up Construction lending to mortgage brokers. Last checked 2026-08-07.
Field-level sources and last-checked dates
Program offered to brokers: Citizens Bank Wholesale advertises Ground-Up Construction lending on its public broker materials — source: Citizens Bank Wholesale official website, checked 2026-08-07 (lender published, confidence high)
Broker footprint: Broker footprint not published by the lender — source: Citizens Bank Wholesale official website, checked 2026-08-07 (lender published, confidence medium)
How the product is structured: Land plus vertical construction financed against total project cost with staged draws and an experience requirement for the builder. — source: Ground-Up Construction channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
Loan parameters shown in search are category-level structural guidance describing how this product type is commonly written in the wholesale channel. They are not the lender's published guidelines and are not a pre-approval. Every result links to the lender's own public broker materials with the date we last checked it — confirm current terms with the lender before quoting.
What we can verify about this program
Citizens Bank Wholesale does not publish a headquarters location in the materials we checked. Broker footprint not published by the lender. Its public broker materials referenced ground-up construction lending when we last checked them on 2026-08-07, alongside 1 other advertised product type in this directory. Citizens Bank Wholesale does not publish a comparable wholesale-only production figure, so no volume is shown on this page.
Land plus vertical construction financed against total project cost with staged draws and an experience requirement for the builder. In the wholesale channel this product type is commonly written from a 660 minimum FICO up to 75% LTV, on loan amounts between $150K and $5M. Accepted documentation typically includes no ratio, asset only, with investment property occupancy and single family, 2-4 unit, 5+ unit / multifamily, land / ground-up property types in scope. Those parameters describe the channel, not Citizens Bank Wholesale's own matrix — pull the current guideline from the lender before you quote.
Citizens Bank Wholesale ground-up construction questions brokers ask
Does Citizens Bank Wholesale offer ground-up construction loans to mortgage brokers?
Yes. Citizens Bank Wholesale's public broker materials referenced ground-up construction lending when we last checked on 2026-08-07. Broker approval and program eligibility are decided by Citizens Bank Wholesale, not by this directory — start at its citizens bank wholesale official website and confirm current requirements.
What FICO and LTV should I expect on a ground-up construction file at Citizens Bank Wholesale?
Citizens Bank Wholesale does not publish its ground-up construction matrix on a public page, so this profile shows the channel-typical structure instead: a 660 minimum score and leverage up to 75% LTV. Treat that as a starting point and verify the live guideline with your account executive.
What loan amounts and documentation types apply to ground-up construction lending?
In the wholesale channel this product is generally written between $150K and $5M, using no ratio, asset only documentation on investment property occupancy. Citizens Bank Wholesale may sit tighter or looser than that range on any single field.
Where do I get Citizens Bank Wholesale's actual ground-up construction guidelines?
From Citizens Bank Wholesale directly — its citizens bank wholesale official website is linked in every source column on this page. Citizens Bank Wholesale does not appear in the published wholesale volume ranking we reference, which is a reporting gap rather than a quality signal.