Lender in California · HMDA 2025
PNC Bank, N.A. mortgages in California
PNC Bank, N.A.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
PNC Bank, N.A. originated 1,011 owner-occupied single-family loans in California from 1,181 completed applications.
Its median conventional purchase loan costs were $7,160 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.50% (California: 6.625%).
Loans in CA
1,011
of 1,181 applications
Denial rate
10.3%
Purchase · CA 8.9%
Rate spread
+0.06 pts
Conv. · CA +0.09 pts
Loan amount
$1,045,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 836 | 739 | 10.3% | 6.500% | +0.06 pts | $7,160 | $1,045,000 |
| Refinance | 297 | 238 | 18.2% | 6.250% | +0.01 pts | $4,400 | $1,145,000 |
| Cash-out refinance | 48 | 34 | 29.2% | 6.750% | +0.11 pts | $4,270 | $425,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where PNC Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| San Mateo County | 9 | 118 | 2.0% |
| Santa Clara County | 10 | 278 | 1.7% |
| Alameda County | 15 | 160 | 1.1% |
| San Francisco County | 21 | 52 | 1.0% |
- PNC Bank, N.A. nationwide
- California mortgage market
- PNC Bank, N.A. in Pennsylvania
- PNC Bank, N.A. in Ohio
- PNC Bank, N.A. in Illinois
- PNC Bank, N.A. in Indiana
- PNC Bank, N.A. in Florida
- PNC Bank, N.A. in Michigan
- PNC Bank, N.A. in Texas
- PNC Bank, N.A. in New Jersey
- PNC Bank, N.A. in North Carolina
- PNC Bank, N.A. in Kentucky
- PNC Bank, N.A. in Maryland
- PNC Bank, N.A. in Virginia
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology