Core Insights - Truist is recognized as a competitive mortgage lender, particularly for first-time home buyers, offering down payment assistance and lender credits, but it has a below-average customer satisfaction score [1][4][23] Mortgage Products - Truist provides a variety of home loan products, including conventional loans, FHA loans, VA loans, USDA loans, and specialized programs for medical professionals [4][5][20] - The Community Homeownership Incentive Program offers low or no down payments and no mortgage insurance for eligible borrowers in qualifying areas [4] - Truist's home equity line of credit (HELOC) is easy to apply for, but availability is limited to less than half of U.S. states [10][25] Customer Experience - The application process for Truist's mortgage products is straightforward, with options for preapproval and online applications [17][18] - Truist's website features educational resources and guides for home buyers, although the overall library of resources is considered average [7][20][23] Rate Transparency and Costs - Truist's mortgage rates are presented with the option to include or exclude discount points, but there is a lack of transparency regarding credit approval qualifications [2][11][23] - The lender scored 3 out of 5 stars for both mortgage rates and total loan costs, indicating near-median performance with a mortgage rate of 6.5% and total loan cost of $5,219.40 in 2024 [15][16][23] Customer Satisfaction - Truist ranks below average in customer satisfaction according to the J.D. Power Mortgage Origination Satisfaction Study, indicating potential areas for improvement in service [1][4][23]