PNC Bank, National Association mortgage approval rate & lending review
PNC Bank, National Association decided 180,498 mortgage applications and funded 120,407 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions PNC Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
PNC Bank, National Association at a glance
Approval is 3.5 points below the 72.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 83% | 29,601 / 35,804 | 98% | $285K | 29,130 |
| Home improvement loans | 61% | 47,442 / 77,781 | 96% | $95K | 45,628 |
| Cash-out refinance | 68% | 2,493 / 3,651 | 98% | $205K | 2,451 |
| Refinance | 73% | 40,768 / 56,164 | 96% | $125K | 39,291 |
| Investment property purchase | 78% | 2,405 / 3,085 | 98% | $315K | 2,364 |
| Investment cash-out refinance | 57% | 213 / 376 | 97% | $235K | 206 |
| Investment refinance | 46% | 480 / 1,035 | 95% | $205K | 458 |
| Investment home improvement | 35% | 923 / 2,602 | 95% | $155K | 879 |
PNC Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 76% | $105K | 28,766 | 21,065 |
| New Jersey | 67% | $195K | 18,442 | 11,906 |
| Ohio | 73% | $105K | 17,336 | 12,281 |
| Florida | 61% | $165K | 14,993 | 8,748 |
| California | 73% | $495K | 12,410 | 8,785 |
| Texas | 53% | $205K | 11,199 | 5,722 |
| Illinois | 70% | $135K | 10,671 | 7,222 |
| Maryland | 66% | $105K | 7,615 | 4,825 |
| Michigan | 72% | $105K | 7,604 | 5,341 |
| Indiana | 73% | $105K | 6,037 | 4,264 |
| North Carolina | 72% | $175K | 5,875 | 4,093 |
| Georgia | 61% | $165K | 4,237 | 2,519 |
| Virginia | 67% | $245K | 4,194 | 2,715 |
| Alabama | 64% | $115K | 4,084 | 2,516 |
| Kentucky | 77% | $105K | 3,869 | 2,880 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where PNC Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Allegheny County, PA | Refinance | 84% | 3,045 | 2,440 |
| Allegheny County, PA | Home improvement loans | 72% | 2,883 | 2,002 |
| Allegheny County, PA | Mortgage lenders | 90% | 1,727 | 1,540 |
| King County, WA | Mortgage lenders | 96% | 1,016 | 967 |
| Santa Clara County, CA | Mortgage lenders | 93% | 1,010 | 924 |
| Cook County, IL | Home improvement loans | 53% | 1,723 | 872 |
| Cuyahoga County, OH | Refinance | 79% | 1,134 | 854 |
| Cook County, IL | Refinance | 68% | 1,173 | 772 |
| Jefferson County, KY | Refinance | 82% | 948 | 740 |
| Maricopa County, AZ | Home improvement loans | 65% | 1,108 | 694 |
| Jefferson County, KY | Home improvement loans | 67% | 1,027 | 666 |
| Cook County, IL | Mortgage lenders | 79% | 844 | 663 |
The county markets where PNC Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about PNC Bank, National Association
What is PNC Bank, National Association's mortgage approval rate?
PNC Bank, National Association approved 68.9% of the 180,498 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.5 points below the 72.4% national rate for the same mix of loan types.
How often do borrowers take the loan PNC Bank, National Association offers?
Borrowers accepted 97% of the loans PNC Bank, National Association approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does PNC Bank, National Association make?
The typical home improvement loan loan PNC Bank, National Association made was $95K; across all loan types its typical loan ran from $95K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does PNC Bank, National Association lend?
PNC Bank, National Association decided applications in 51 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and Ohio.
Can I apply to PNC Bank, National Association directly?
Yes. PNC Bank, National Association is a bank or credit union with 2,399 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show PNC Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how PNC Bank, National Association treats applications, then get a rate quote from the lender.