As of December 2016, for a borrower with excellent credit purchasing a $250,000 home with a $50,000 down payment and a 30-year fixed rate loan from BB&T, the interest rate comes out to be 4.13 percent, which is competitive among interest rates offered by other top home loan companies.

Mobile App

BB&T provides its customers with a mobile app that is compatible with iOS, Android, and Windows devices. Borrowers can use this app to view and manage their mortgage, as well as access resources and tools, using their smartphone or tablet.

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The Bad

Closing Costs
Minimum Credit Score

Closing Costs

At $4,800, BB&T's closing costs are higher than industry average.

Minimum Credit Score

BB&T requires its borrowers to have a credit score of at least 640, therefore excluding individuals with subpar credit from the chance to qualify for a loan.

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The Bottom Line

BB&T offers competitive interest rates and a mobile app. However, the company charges relatively high closing costs and has set its minimum credit score requirement for borrowers at 640.

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User Reviews

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4.3

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11 Reviews

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Anne Kimball Salt Lake City, UT

We have our home mortgage with BB&T and they have been great so far. Setting up an online account was a little complicated. I had to call customer service and they had to fix it, but they were really helpful. Also, to change my address I had to use an automated system for some reason. The customer service rep couldn't do it for me, which was a little frustrating. But as far as quality of service goes, they are great!

6 years ago

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Brittany Clark Coeur d'Alene, ID

BB&T has great customer service when it comes to phone support. Every time I have had to call them, the customer service agent is always very friendly and helpful. I appreciate their knowledge and willingness to answer my questions. As for their website, it is not user friendly at all. There are so many things you CANNOT do on the website that I had to call customer service several times. It was frustrating but again, the agents were always a pleasure to talk to and they immediately fixed my issue or answered my questions.

3 years ago

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J9softball Greensboro, NC

So far my experience with BB&T mortgage has been smooth with no hiccups until recently when I was switched to new loan officer since mine left. Hopefully this doesn’t mean things will fall apart, but I have confidence that I will be taken care of.

3 years ago

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Bess Wilfong St Louis, MO

They have good communication and are reachable with any questions.

2 years ago