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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.
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How do TD Bank and PNC Bank compare?
- 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
Loans offered
- Purchase
- Refinance
- Jumbo
- Home Equity
- FHA
- VA
- USDA
- Purchase
- Refinance
- Jumbo
- Home Equity
- FHA
- VA
- USDA
Neither of these seems the right fit?
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.
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