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Truist Mortgage Review 2026
Last updated on May 21, 2026
Written by
Senior Writer/SpokespersonCo-written by
Contributing WriterWritten by
Senior Writer/SpokespersonCo-written by
Contributing WriterMany or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Why trust NerdWallet
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Our Take
5.0
Home loans overall
NerdWallet rating
The Nerdy headline:
With a standout combo of rates and fees, and a strong product lineup, Truist is worth a look for financing a home purchase — or refinancing your current mortgage. Preapproval and customer care happen mostly offline, and for details on less-common loan types or custom rates you'll need to talk to a person. Despite the human touch, however, customer satisfaction ratings are notably low. Most likely to appeal to borrowers looking for affordable home loans.
Jump to:Full Review
Truist: NMLS#399803
Min. credit score
620
Min. down payment
3%
Loan types and products
Purchase, Jumbo, VA, FHA, Refinance, Home Equity
Pros
- Offers a wide range of mortgage options focused on affordability.
- Low mortgage rates and fees, compared with competitors.
- Generous grants for qualifying home buyers in select locations.
Cons
- Getting custom rates and applying for mortgage preapproval both require human contact.
- Customer care leans heavily on phone and in-person service.
- HELOCs are only offered in select states.
Lender | Min. credit score | Min. down payment | |
|---|---|---|---|
 Visit Lenderat NBKC at NBKC | 620 | 3% | Visit Lenderat NBKC at NBKC |
 Visit Lenderat New American Funding at New American Funding | N/A | N/A | Visit Lenderat New American Funding at New American Funding |
 Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC | 580 | 3.5% | Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC |
 4.0 Visit Lenderat GO Mortgage at GO Mortgage | 620 | 3% | Visit Lenderat GO Mortgage at GO Mortgage |
 Visit Lenderat Veterans United at Veterans United | 620 | 0% | Visit Lenderat Veterans United at Veterans United |
Full Review
At a glance: Truist mortgage options
Truist is a large national bank based in Charlotte, North Carolina. It was formed in 2019 by the merger of BB&T and SunTrust. Mortgages are available in every state except Alaska, Arizona and Hawaii.
Truist isn't necessarily a household name, but it's definitely got a big bank vibe. Talking to a loan officer on the phone or at a branch — which are concentrated in the southeast and mid-Atlantic, btw — is a running theme in this review.
🏠 Common mortgages
• Fixed and adjustable rate
• Conventional
• FHA loans
• VA loans
• Jumbo
• Rate-and-term refinance
🔑 Specialty loans
• Doctor loans
• Construction loans
• IRRRL
• USDA
• Vacation/second home
• Self-employed
• CHIP
💵 Home equity
• Home equity loans
• HELOC
• Cash-out refinance
» MORE: Read NerdWallet's review of Truist's HELOC
Truist special offers and discounts
Truist offers an impressive array of home loan options. The menu of affordability-focused loans is notable, including 3%-down conventional options and USDA loans.
- The Community Homeownership Incentive Program, or CHIP, offers generous terms to home buyers in targeted areas.
- Truist offers relationship pricing on mortgages, with interest rate discounts for borrowers who maintain qualifying asset balances with the bank. Discounts vary by balance tier and can help reduce the overall cost of the loan.
What does Truist specialize in?
A lender’s experience with your loan type can make a big difference. We looked at recent federal data to find the types of mortgages Truist handles most often.
In 2024, most of Truist's mortgages were conventional loans — which would include low-down-payment conventional options — but large-dollar-amount jumbo loans also made up a decent chunk of originations.
» MORE: How to choose a mortgage lender
How we score Truist's home loans
Like to read the fine print? We do, too. Each year, NerdWallet writers and editors review the latest data and research on mortgage lenders, including federal data, and use a consistent method to score them based on what matters most to borrowers.
Truist earned a 5-star home loans overall rating from NerdWallet. Here’s how that score breaks down across our five weighted subcategories.
Excellent
Rates and fees (30%)
Rates and fees determine how much a loan will cost you overall. NerdWallet reviews the latest federal data to score each lender’s average APR spread — a measure that combines interest rates and fees. A higher score means lower typical costs compared to other lenders.
Excellent
Product accessibility (20%)
We evaluate how widely available a lender’s products are across the U.S. and how accessible they are to different financial profiles. A higher score means broader availability and more flexible requirements. A lower score means fewer options or stricter requirements.
Average
Customer experience (20%)
We evaluate customer experience by testing and reviewing features like the online application, mobile app, and availability of phone or chat support. A higher score means a smoother, more convenient experience and easier access to help. A lower score means more friction or fewer support options.
Average
Loan variety (15%)
We evaluate loan variety based on the range of home loan types a lender offers. A higher score means more options, while a lower score means a more limited selection.
Good
Rate transparency (15%)
We review how clearly lenders share rate information on their websites, including sample rates and tools to estimate personalized rates. A higher score means it’s easy to find clear, comprehensive details and compare rates. A lower score means less information is available, often requiring you to contact the lender.
🤓
NerdWallet’s ratings are objective and well-researched (we have the spreadsheets to prove it). But choosing a mortgage lender isn’t just about a star rating or a score breakdown. It’s also about finding the right lender for your unique situation. So yes: you can learn a lot from how the mortgage Nerds scored Truist's home loans. But you’re the expert when it comes to the features of your own best-match mortgage lender.Nerdy Tip
Truist reputation and customer experience
NerdWallet’s star ratings look at objective factors like rates, fees and loan options. To give you a sense of what the borrower experience is really like, we pulled the latest customer satisfaction scores from J.D. Power and we contacted the lender’s customer support.
2025 J.D. Power U.S. Mortgage Origination Satisfaction Study
709
out of 1,000
Far below-average satisfaction score: average = 760.
Mortgage origination covers the application through closing.
2025 J.D. Power U.S. Mortgage Servicing Satisfaction Study
588
out of 1,000
Below-average satisfaction score: average = 596.
A mortgage servicer handles loan payments.
Truist customer service options
Truist's customer care is mostly offline, though it does offer an online mortgage application. Here’s how you can get in touch with Truist.
Ways to reach Truist
Physical branches . . . . . . ✅
Phone support . . . . . . . . . ✅
Mobile app . . . . . . . . . . . . ✅
Online chat (bot) . . . . . . . 🚫
Online chat (human) . . . . 🚫
🤓 Our Nerds say... hope you're a people person
Kate Wood, lead writer/lending spokesperson
Truist feels pretty old school when it comes to getting in touch. Yes, you can access help in the app, but it's basically what you'll find on their site — an FAQ plus phone numbers and branch maps. And contact by phone is slightly overwhelming: There are three different phone numbers on the main mortgages page on the Truist site, plus additional numbers on their contact page. Making an appointment to meet in person might be the simplest option; you can fill out a form or call yet another phone number to set it up.
Alternatives to a Truist mortgage
Our biggest tip: Get offers from at least three different mortgage lenders. Comparison shopping can save you thousands of dollars. You can get rate quotes yourself, or work with a mortgage broker to shop around on your behalf.
If you're seeking another lender with affordable mortgage options, you may want to look at Guild Mortgage. For a big bank mortgage lender that's got locations almost everywhere (apologies to Alaska and Hawaii), consider Chase.
» MORE: Best mortgage lenders
More from NerdWallet
Methodology
NerdWallet rates mortgage lenders based on what matters most to borrowers: rates and fees, product accessibility, customer experience, rate transparency and the range of loan options.
We review more than 40 lenders and score them using a weighted system that prioritizes affordability and a smooth borrowing experience. Lenders earn higher scores for offering lower borrowing costs, making loans widely available, clearly displaying rate information and supporting borrowers from application through closing.
We use a mix of lender-provided information, publicly available data and our own research and analysis to evaluate each lender. Recent regulatory actions may affect a lender’s score.