# PNC Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/pnc-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


PNC Bank, National Association is a bank, headquartered in Wilmington, DE, serving borrowers nationwide, with 11,250 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 29% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** AD6GFRVSDT01YPT1CS68
- **Headquarters:** Wilmington, DE
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.120%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $186
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 11,250
- **Dollar Volume:** $5.2 billion
- **Applications Received:** 17,235
- **Market Share:** 32.00%

## Typical Borrower Profile

- **Average Loan Amount:** $466,275
- **Average Borrower Income:** $204,211
- **Average Property Value:** $674,423

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 87/100 | 9,254 | +0.109% | $188 | Exceptional 🤩 |
| FHA | 78/100 | 474 | +0.673% | $495 | Strong 😀 |
| VA | 72/100 | 187 | -0.060% | $1,389 | Strong 😀 |
| Jumbo | 92/100 | 1,322 | +0.007% | $-105 | Exceptional 🤩 |
| USDA | 48/100 | 13 | +0.730% | $412 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 7,843 loans, Score: 87/100 (Exceptional)
- Refinance: 1,411 loans, Score: 82/100 (Exceptional)

**FHA:**
- Purchase: 353 loans, Score: 77/100 (Strong)
- Refinance: 121 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 159 loans, Score: 72/100 (Strong)
- Refinance: 28 loans, Score: 76/100 (Strong)

**Jumbo:**
- Purchase: 1,104 loans, Score: 92/100 (Exceptional)
- Refinance: 218 loans, Score: 90/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 86/100 | 9,472 | $4.4B | +0.104% | Exceptional 🤩 |
| Refinance | 84/100 | 1,778 | $809M | +0.206% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 1,516 | 1.25% | 87/100 |
| CA | 1,452 | 0.51% | 78/100 |
| OH | 1,198 | 0.89% | 81/100 |
| IL | 784 | 0.63% | 79/100 |
| IN | 554 | 0.61% | 75/100 |
| FL | 547 | 0.19% | 68/100 |
| MI | 526 | 0.46% | 73/100 |
| TX | 515 | 0.15% | 68/100 |
| NJ | 467 | 0.55% | 77/100 |
| NC | 418 | 0.28% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,048 | 75/100 |
| Pittsburgh, PA | PA | 775 | 93/100 |
| San Jose | CA | 382 | 84/100 |
| Chicago | IL | 347 | 72/100 |
| Columbus, OH | OH | 310 | 78/100 |
| Oakland | CA | 310 | 80/100 |
| Seattle | WA | 306 | 78/100 |
| Cleveland, OH | OH | 286 | 76/100 |
| Louisville/Jefferson County, KY | KY-IN | 228 | 77/100 |
| Los Angeles | CA | 211 | 68/100 |
| Indianapolis | IN | 210 | 71/100 |
| San Francisco | CA | 209 | 83/100 |
| Cincinnati, OH |  | 208 | 74/100 |
| Houston | TX | 165 | 64/100 |
| Warren | MI | 165 | 66/100 |

## Where This Lender Ranks

PNC Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Pittsburgh, PA
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders)
- 🥇 **#1** in Pittsburgh, PA Banks
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/banks)
- 🥇 **#1** in Pittsburgh, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Pittsburgh, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/pittsburgh-pa/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Allentown for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Bloomington, IL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/bloomington-il/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Gettysburg, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Gettysburg, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Columbus, OH for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Alabama for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Allentown for Conventional Loans
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Springfield, IL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Bloomington, IL Banks
  - [View Full Rankings](https://saferate.com/bloomington-il/best-mortgage-lenders/banks)
- 🥈 **#2** in Morgantown, WV
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders)
- 🥈 **#2** in Morgantown, WV Banks
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/banks)
- 🥈 **#2** in Morgantown, WV for Conventional Loans
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Morgantown, WV for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Canton for Conventional Loans
  - [View Full Rankings](https://saferate.com/canton/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Canton for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/canton/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Birmingham, AL for Conventional Loans
  - [View Full Rankings](https://saferate.com/birmingham-al/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does PNC Bank, National Association offer?

PNC Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PNC Bank, National Association offer mortgages?

PNC Bank, National Association is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are PNC Bank, National Association's mortgage rates?

PNC Bank, National Association has a pricing score of 71/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.120% above market average.

### What type of lender is PNC Bank, National Association?

PNC Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Wilmington, DE.

### What is PNC Bank, National Association's loan approval success rate?

PNC Bank, National Association has a pull-through score of 61/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/pnc-bank-national-association

### How to Cite

> "PNC Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pnc-bank-national-association

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