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Truist Mortgage Review 2026

Written by

Andrew Dehan

Edited by

Katie Lowery

Updated Dec 16, 2025

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At a glance

Truist

Editor's take

Best for individuals who are already customers of the bank or want to be, and who are looking for below-average mortgage rates or low-down-payment mortgage options.

Bankrate Score

4.4

Bankrate Score

Loans offered

Conventional, jumbo, FHA, VA, USDA, refinancing and more

Min. credit score required

620 for conventional loans

Nationwide availability

All U.S. states except Alaska, Arizona and Hawaii

Min. down payment

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Recent customer reviews

The customer reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews. Bankrate cannot guarantee or verify the accuracy of the opinions shared by individual reviewers, and reserves the right to reject or remove any review, at any time, for any reason at Bankrate’s sole discretion, including but not limited to those that Bankrate deems inappropriate, fraudulent, invalid, irrelevant, or otherwise outside the parameters of the Bankrate Review Guidelines, the Privacy Policy, or the Terms of Use.

Run away, don’t make the mistake of trusting truist

October 26, 2023, Truist bank took $221.57 and $209.87 from my escrow account for delinquent tax bills. I closed on 01/18/2022 and had a O’Kelley & Sorohan Attorneys At Law check the information on the property and nothing was found past due. I called Fulton county tax department to verify the delin...

Waski
Atlanta, Georgia (Aug 29, 2025)

Truist Doubling new escrow fees

Truist Mortgage doubled the escrow increase in which $27 was supposed to be increased, NOT $60.45. Truist has a challenging time once again being honest with their customers. They are also not mailing the monthly statement as we have always requested. I don't recommend Truist Mortgage to anyone and...

Manfred K.
DE (Jun 17, 2025)

Read 4 customer reviews for Truist

Truist overview

Headquartered in Charlotte, North Carolina, Truist is the ninth-largest bank in the U.S., formed from the 2019 merger of BB&T and SunTrust. Truist was the nation’s 24th-largest mortgage lender in 2024, according to federal data. The company has nearly 2,000 branches across 15 states, including Florida, Georgia and Virginia.

Pros and cons of Truist

Pros

Branch network in several states
Lower than average mortgage rates
Homebuying grants available to eligible borrowers

Cons

No customizable rate tool
Must contact loan officer to learn about eligibility requirements
Low customer satisfaction scores

How Bankrate scored Truist

Affordability: 4.9 stars

Truist’s mortgage rates tend to be lower than the national average, and the bank offers low-down payment options, including a minimum 3% down for conventional loans. It scores a near-perfect 4.9 out of 5 stars for affordability. Existing bank customers may benefit from relationship pricing and special incentives.

Interest rates: Truist’s mortgage rates were below Bankrate’s overall national average at the time of this review.
Down payment: For qualified borrowers, Truist offers VA and USDA loans with no down payment required, FHA loans with as little as 3.5% down, and conventional loans with a minimum 3% down payment.
Closing costs: The bank doesn’t disclose its fees online, but there’s relationship pricing and special incentives for existing customers, according to a bank spokesperson.

Availability: 5 stars

Truist earns the full 5 out of 5 stars for availability thanks to an almost nationwide presence and a wide range of mortgage options.

Home loans offered: Truist offers the standard conventional and government-backed purchase and refinance options. It also provides HELOCs, construction loans and physician loans.
Footprint: Truist mortgages are available to qualified borrowers in 47 states (excluding Alaska, Arizona and Hawaii).
Where to find: You can apply for a mortgage with Truist online, by phone or in person at a branch location.

Borrower experience: 3.2 stars

Truist’s website doesn’t feature a customizable rate tool, nor the more seamless technology conveniences of some of its competitors. It also scored well below average in J.D. Power’s 2025 mortgage origination satisfaction study. We give the bank 3.2 out of 5 stars for borrower experience.

Preapproval and application process: To get preapproved or apply for a mortgage with Truist, you’ll first need to link up with a loan officer.
Transparency: Truist’s site advertises select mortgage rates, but to receive a personalized rate, you’ll have to contact the bank directly.
Customer service: You can reach Truist’s loan officers at 844-710-3909, or apply for a mortgage at 800-634-7928, Monday through Friday from 8 a.m. to 8 p.m. ET and Saturday from 9 a.m. to 3 p.m. ET.

Bankrate staff insights

"The APR and rate were the best."

Staffer, Red Ventures (Bankrate parent company)

Truist reputation

Truist is one of the largest financial institutions in the U.S. The bank has held an A+ rating from the Better Business Bureau since 1967, but the BBB website also lists less-than-favorable reviews from a few thousand customers, resulting in a 1.08 score (out of 5). In addition, it came near the bottom of the list for mortgage origination satisfaction in J.D. Power’s 2025 study.

Truist in the news

In Aug. 2025, Truist announced a significant expansion plan to open 100 new branches over the next five years. Branches will be in "high-growth and economically vibrant" cities, including Atlanta, Austin, Charlotte, Dallas, Miami, Orlando, Philadelphia and Washington, D.C.

To determine a mortgage lender’s Bankrate Score, Bankrate rates lenders on a scale of one (1) to five (5) stars — with five (5) the highest rating — based on a variety of factors relating to the lender’s products and services. To assign our ratings, we assessed each mortgage lender across three core areas:
1. Affordability: Annual percentage rate (APR) - 80%; assistance for first-time homebuyers - 10%; down payment - 10%
2. Availability: Loan products - 50%; licensing - 40%; credit score - 10%
3. Borrower experience: Rate transparency - 35%; customer service - 35%; convenience - 20%; rate locks - 10%; reputation (if applicable)
Learn more about our methodology.

BB&T customer ratings and reviews

1.0

4 ratings

This lender has 4 recent reviews.

Knowledge

Level of service

Professionalism

Responsiveness

5 stars

4 stars

3 stars

2 stars

1 star

100%

0% of customers would recommend this lender.

of 4 reviews

The consumer reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.

Bankrate cannot guarantee or verify the accuracy of the opinions shared by individual reviewers, and reserves the right to reject or remove any review, at any time, for any reason at Bankrate’s sole discretion, including but not limited to those that Bankrate deems inappropriate, fraudulent, invalid, irrelevant, or otherwise outside the parameters of the Bankrate Review Guidelines, the Privacy Policy, or the Terms of Use.

To help serve you with relevant information, the consumer reviews shown below are limited to only those that this advertiser has received during the past 12 months.

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