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TD Bank vs. PNC Bank mortgages

Both lenders have low down payment options, but one is better if you're not on the East Coast.

Britny Lawhorn
Britny Lawhorn

Updated

Fact checked

How do TD Bank and PNC compare?

TD Bank logo
PNC logo
  • Choose this lender for down payments as low as 3%
  • Choose another lender if you’re not on the East Coast
  • A good option for borrowers with an atypical schedule looking to sit down with a loan specialist
  • Choose this lender for low down payment options
  • Watch out for poor customer service
  • A good option for commercial real estate loans

Read review

Read review

Loans offered

  • Purchase
  • Refinance
  • Jumbo
  • Home Equity
  • FHA
  • VA
  • USDA
  • Purchase
  • Refinance
  • Jumbo
  • Home Equity
  • FHA
  • VA
  • USDA

Minimum credit score

Conventional: 620

Conventional: 620

States available

Only available in: CT, DE, FL, GA, MA, MD, ME, NC, NH, NJ, NY, RI, SC, VA

Available in all states

Pros

  • Online process
  • Low down payment programs
  • Guides and resources
  • Multiple loan choices
  • Low down-payment options
  • Online application tracking

Cons

  • East Coast only
  • Online customer service limited
  • Unclear loan availability
  • Limited branch locations
  • Customer complaints

Customer reviews

TD Bank is accredited with the Better Business Bureau (BBB) and receives an A+ rating. The customer reviews on its BBB profile are sparse — slightly under 130 as of September 2019 — and what few are there average to barely over 1 out of 5 stars. Negative reviews focus on poor customer service, and complaints are overwhelmingly categorized as issues with product and service or billing and collections. Out of the more than 950 complaints lodged through the BBB, all have either been answered or resolved. In contrast to the poor ratings on its BBB profile, TD Bank received a 2019 award from J.D. Power for its retail banking customer satisfaction in the Southeast.
PNC isn't credited with the Better Business Bureau (BBB), but receives an A- rating from it as of September 2019. On average, customers give PNC a low 1 out of 5 stars on the BBB site. Of the over 1,500 complaints on the BBB website, only two are unanswered and one is unresolved. Many customers report having issues with customer service, unexpected fees and poorly handled fraud cases.

Compare other lenders

Name Product Loans offered State availability Min. credit score
Axos Bank
Axos Bank
Conventional, Refinance, Jumbo, Home Equity, Fixed, Adjustable, FHA, VA, USDA
Available in all states
620
Explore a full suite of home loan options with this direct online lender.
See rates
More Info
Morty
Morty
Conventional
AL, AR, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MD, ME, MI, MN, MS, MT, NC, NE, NJ, NM, OH, OK, OR, PA, SC, TN, VA, WA, WI, WV
680
Requires minimum credit score of 680 for conventional loans above $100,000 only. Not currently offering FHA, VA, USDA, Jumbo, or certain types of refinancing. A short online form presents you with multiple loan options and terms to choose from. Not available in every state: make sure you live in a qualifying state before applying.
See rates
Rocket Mortgage
Rocket Mortgage
Conventional, Refinance, Jumbo, FHA, VA, USDA
Available in all states
620
Streamline your mortgage from quote to final payment — all from your computer or phone.
More Info
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Compare up to 4 providers

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