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Mark Richards Citizens One

Mark Richards

Loan Officer at Citizens One

NMLS ID #658916

Main Number
(202) 537-3552(202) 537-3552


6903 Rockledge Dr.
Bethesda, MD 20817


(202) 537-3552(202) 537-3552
Fax Number
(844) 295-3335(844) 295-3335

About Us

About Me

As an award-winning loan officer with more than 32 years of experience in home financing, I thoroughly understand the complexities of mortgages and can help clients determine the best choice for their individual circumstances. I am well-versed in a full spectrum of loan programs and have particular expertise in conventional and jumbo purchases, as well as specialty products like home construction loans and physician mortgages.

I pride myself on being honest and straightforward, so clients stay well-informed throughout the loan application process. I am sincerely dedicated to providing first-class service and enjoy the fact that each customer is different and each day is never the same.

I have originated over 7,000 successful transactions totaling over $2 Billion during my career and have consistently ranked in the top 1% of the mortgage banking industry rankings. As a sixth generation Washingtonian, I understand the DC area market and enjoy serving the citizens of my community with their financing needs. When I’m not helping customers, I’m exploring my interests in cycling, scuba diving and farming.


  • 2019 Citizens of Excellence Winner
  • 2018 President's Club

Education & Certifications

  • B.A. in Economics, University of Richmond
  • Citizens One Construction-to-Permanent Certified
Link to linkedin

About Citizens One

Our team of mortgage experts at Citizens One is committed to helping customers find the home loan solution that’s right for them. Citizens One is the National Lending Division for Citizens Bank, N.A., a bank 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 can save money when you set up automatic payments from your checking account for your new Citizens One mortgage.

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 guide to help you learn more about mortgages and the home buying process.