PNC Bank, N.A.: 2025 mortgage rates, costs & approvals
How PNC Bank, N.A. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: PNC Bank, National Association · LEI AD6GFRVSDT01YPT1CS68
In 2025, PNC Bank, N.A. originated 11,535 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 46th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 11 basis points below the national median. Median conventional loan costs were $4,760, 15% lower than the national median ($5,570).
It denied 12.7% of completed home-purchase applications (all lenders: 8.5%).
How PNC Bank, N.A. priced home-purchase loans
| Purchase loans, 2025 | PNC Bank, N.A. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | 6.375% | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 5.875% |
| Rate spread vs. APOR · conventional | +0.02 pts | +0.13 pts |
| Total loan costs · conventional | $4,760 | $5,570 |
| Total loan costs · FHA | $8,520 | $11,310 |
| Total loan costs · VA | $3,900 | $6,490 |
| Origination charges (all types) | $1,410 | $1,860 |
| Borrowers paying discount points | 52.2% | 51.3% |
| Points paid, when paid (% of loan) | 0.31% | 0.87% |
| Borrowers receiving lender credits | 66.7% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why PNC Bank, N.A. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where PNC Bank, N.A. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Pennsylvania | 2,124 | 2,381 | 8.8% | 6.375% | $4,900 |
| Ohio | 1,228 | 1,448 | 11.0% | 6.500% | $4,000 |
| California | 1,011 | 1,181 | 10.3% | 6.500% | $7,160 |
| Illinois | 860 | 1,016 | 12.8% | 6.500% | $5,780 |
| Indiana | 651 | 739 | 10.3% | 6.500% | $2,970 |
| Florida | 546 | 715 | 19.9% | 6.500% | $4,700 |
| Michigan | 541 | 654 | 12.7% | 6.500% | $3,850 |
| Texas | 509 | 685 | 20.7% | 6.500% | $4,500 |
| New Jersey | 485 | 610 | 16.0% | 6.500% | $5,650 |
| North Carolina | 448 | 514 | 10.3% | 6.500% | $4,410 |
| Kentucky | 437 | 493 | 10.8% | 6.500% | $3,950 |
| Maryland | 352 | 436 | 12.8% | 6.375% | $4,830 |
| Virginia | 228 | 281 | 12.9% | 6.500% | $5,010 |
| Washington | 219 | 247 | 8.0% | 6.500% | $5,970 |
| Alabama | 216 | 276 | 17.6% | 6.500% | $4,020 |
| Georgia | 160 | 191 | 11.4% | 6.500% | $5,360 |
| Colorado | 138 | 178 | 21.3% | 6.250% | $4,180 |
| South Carolina | 137 | 166 | 15.2% | 6.500% | $4,520 |
| Arizona | 134 | 162 | 12.5% | 6.375% | $5,730 |
| Missouri | 123 | 142 | 12.2% | 6.500% | $4,040 |
| Massachusetts | 107 | 139 | 18.4% | 6.500% | $5,760 |
| Tennessee | 100 | 120 | 11.8% | 6.625% | $5,090 |
| New York | 95 | 131 | 25.9% | 6.625% | $6,060 |
| West Virginia | 93 | 102 | 8.5% | 6.500% | $4,550 |
| Wisconsin | 82 | 100 | 14.8% | 6.500% | $3,110 |
| Delaware | 75 | 93 | 15.3% | 6.500% | $4,990 |
| Minnesota | 49 | 61 | 15.8% | 6.500% | $4,290 |
| District of Columbia | 44 | 50 | 14.6% | 6.250% | $6,080 |
| New Mexico | 34 | 38 | 12.1% | — | $3,320 |
| Connecticut | 28 | 37 | 17.9% | — | $6,090 |
| Utah | 25 | 35 | 32.3% | — | $4,370 |
| Oregon | 24 | 27 | 8.0% | — | $4,730 |
| Arkansas | 23 | 25 | 10.0% | — | — |
| Nevada | 20 | 27 | 28.6% | — | — |
| Oklahoma | 19 | 22 | 14.3% | — | — |
| Mississippi | 18 | 24 | 26.1% | — | — |
| Louisiana | 18 | 21 | — | — | — |
| Kansas | 17 | 21 | — | — | — |
| Iowa | 15 | 20 | 25.0% | — | — |
| Nebraska | 15 | 18 | — | — | — |
| New Hampshire | 15 | 18 | — | — | — |
| Maine | 11 | 16 | — | — | — |
| Idaho | 11 | 15 | — | — | — |
| Vermont | 11 | 11 | — | — | — |
| Alaska | 10 | 12 | — | — | — |
| Montana | 10 | 11 | — | — | — |
| Rhode Island | 5 | 7 | — | — | — |
| Wyoming | 5 | 5 | — | — | — |
| North Dakota | 4 | 6 | — | — | — |
| Hawaii | 3 | 4 | — | — | — |
| South Dakota | 2 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open PNC Bank, N.A.'s page for that state.
Counties where PNC Bank, N.A. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Fayette County, PA | 1 | 134 | 13.1% |
| Quitman County, GA | 10 | 1 | 10.0% |
| Montgomery County, IN | 3 | 45 | 7.3% |
| Lawrence County, PA | 4 | 55 | 6.2% |
| Washington County, PA | 3 | 151 | 5.9% |
| Monongalia County, WV | 5 | 60 | 5.7% |
| Beaver County, PA | 4 | 108 | 5.3% |
| Allegheny County, PA | 4 | 622 | 4.8% |
| Cameron County, PA | 10 | 1 | 4.3% |
| Hocking County, OH | 5 | 11 | 4.1% |
| Westmoreland County, PA | 5 | 158 | 4.0% |
| Forest County, PA | 17 | 1 | 3.9% |
| Greene County, PA | 9 | 9 | 3.6% |
| Clay County, KY | 13 | 2 | 3.2% |
| McLean County, IL | 7 | 63 | 2.8% |
Check PNC Bank, N.A. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI AD6GFRVSDT01YPT1CS68.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from PNC Bank, N.A. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology