Good for: borrowers in the South and East who want the option of face-to-face service. SunTrust is now part of Truist Bank, which offers a full menu of home loans.

After merging with BB&T and Suntrust, Truist Bank offers a variety of loans for first-time home buyers as well as repeat buyers and those seeking refinancing in all states but Alaska, Arizona and Hawaii. It provides financing for government-backed mortgages, such as FHA and VA loans.

Conventional borrowers can get fixed-rate loans or adjustable-rate mortgages. Additionally, Truist Bank works with borrowers seeking financing for mortgages larger than the Federal Housing Finance Agency's conforming loan limits, known as jumbo loans. Truist also has a doctor loan program.

Methodology

NerdWallet’s overall ratings for mortgage lenders are evaluated based on four major categories: variety of loan types (purchase, refinance, fixed and adjustable, for example), ease of application, rates and fees and rate transparency. Among the factors we consider when scoring these categories are options to apply for and track loans online, the level of detail about mortgage rates on lender websites and our analysis of the rates and fees lenders reported in the latest available Home Mortgage Disclosure Act data. These scores generate ratings from 1 star (poor) to 5 stars (excellent).