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LAST UPDATED: August 18th, 2021

Founded in 1872, BB&T provides a full range of banking services, mortgages, insurance, asset management, and securities brokerage.

Top Ranked Companies


The Good

  • Competitive Interest Rates
  • Mobile App

Competitive Interest Rates

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.


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.


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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8 Reviews

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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.

1 month ago


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Denise Chesapeake, VA

Mr Lino & the BB&T/Truitt staff went above and beyond to assist me in acquiring a loan for my home. I am so blessed to have him partner with me on this journey.

2 months 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 months ago


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Basil48 Ocean Isle Beach, NC

Used BB&T, now Truist, on several occasions for investment properties. After a number of years of perfect payment history, we experienced a totally disjointed effort when purchasing in NC. Too many bank people involved and too many requests for additional documentation. This despite our history with BB&T in SC & MD, and Credit Scores consistently in the high-700's. Do not recommend.

3 months ago

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Devon Neil Rocky Mount, NC

I love the transparency of all mortgage options. Angela Lewis walked me through the entire process with patience and kept my dignity and privacy first. The only improvement that I can see is how to complete survey's other than being invited to complete one.

1 year ago

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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!

3 years ago


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Mauri Brewer Lehi, UT

All our communication with them was professional and organized. Easy to submit payment.

2 years ago

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Kevin Booker

Great Customer service

1 year ago

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