What loan types does PNC Bank offer?

PNC Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does PNC Bank offer mortgages?

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

How competitive are PNC Bank's mortgage rates?

PNC Bank has an overall pricing score of 70.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is PNC Bank?

PNC Bank is a Bank headquartered in Wilmington, DE.

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PNC Bank

Bank•Wilmington, DEHQ•Direct•Reviews near you on Google

PNC Bank's 11.3k closed loans and 17k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance
High volume lender with significant market experience
Particularly strong in Conventional and FHA and VA and Jumbo loans
Nationwide availability with consistent service

Explore another lender or local market

Report Card

PNC Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+12.0 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

Jumbo

Exceptional

Top 10% of lenders

USDA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Strong	Strong	9,254	82.3%	+0.109%Above	$188Fees
FHA Loans	Strong	Strong	Strong	Sound	474	4.2%	+0.673%Above	$495Fees
VA Loans	Sound	Strong	Sound	Sound	187	1.7%	-0.060%Below	$1,389Fees
Jumbo Loans	Strong	Exceptional	Sound	Strong	1,322	11.8%	+0.007%Above	$105Credit
USDA Loans	Acceptable	Sound	—	Mediocre	13	0.1%	+0.730%Above	$412Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume9,254

Mix82.3%

Spread

+0.109%Above

Fees

$188Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume474

Mix4.2%

Spread

+0.673%Above

Fees

$495Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume187

Mix1.7%

Spread

-0.060%Below

Fees

$1,389Fees

Jumbo Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume1,322

Mix11.8%

Spread

+0.007%Above

Fees

$105Credit

USDA Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Mediocre

Volume13

Mix0.1%

Spread

+0.730%Above

Fees

$412Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Strong	Sound	9,472	84.2%	+0.104%Above	$94Fees
Refinance	Strong	Exceptional	Sound	Strong	1,778	15.8%	+0.206%Above	$673Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Sound

Volume9,472

Mix84.2%

Spread

+0.104%Above

Fees

$94Fees

Refinance

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume1,778

Mix15.8%

Spread

+0.206%Above

Fees

$673Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

11,250

Applications

17,235

Volume

$5 billion

Pricing & Closing

Avg Rate Spread

+0.120%

vs. market APOR

Avg Net Fees

$186

Origination − Credits

Pullthrough Rate

65.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$466,275

Avg Borrower Income

$204,211

Avg Property Value

$674,423

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

Includes Washington, DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

51Nationwide · all 50 states and DC

Northeast9

CTMEMANHNJNYPARIVT

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Dan Gaken · CC BY 2.0

Pittsburgh, PAMetro

Volume 775Mix 6.89% of portfolio

93/100

Exceptional

2© Ben Loomis · CC BY 2.0

San Jose, CAMetro

Volume 382Mix 3.40% of portfolio

84/100

Exceptional

3© Basil D Soufi · CC BY-SA 4.0

San Francisco, CAMetro

Volume 209Mix 1.86% of portfolio

83/100

Exceptional

Oakland, CAMetro

Volume 310Mix 2.76% of portfolio

80/100

Exceptional

Columbus, OHMetro

Volume 310Mix 2.76% of portfolio

78/100

Strong

Seattle, WAMetro

Volume 306Mix 2.72% of portfolio

78/100

Strong

Louisville/Jefferson County, KY, KY-INMetro

Volume 228Mix 2.03% of portfolio

77/100

Strong

Cleveland, OHMetro

Volume 286Mix 2.54% of portfolio

76/100

Strong

Morgantown, WVMetro

Volume 62Mix 0.55% of portfolio

75/100

Strong

Cincinnati, OHMetro

Volume 208Mix 1.85% of portfolio

74/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

PennsylvaniaState

Volume 1,516Mix 13.48% of portfolio

87/100

Exceptional

OhioState

Volume 1,198Mix 10.65% of portfolio

81/100

Exceptional

IllinoisState

Volume 784Mix 6.97% of portfolio

79/100

Strong

CaliforniaState

Volume 1,452Mix 12.91% of portfolio

78/100

Strong

New JerseyState

Volume 467Mix 4.15% of portfolio

77/100

Strong

KentuckyState

Volume 361Mix 3.21% of portfolio

76/100

Strong

IndianaState

Volume 554Mix 4.92% of portfolio

75/100

Strong

WashingtonState

Volume 374Mix 3.32% of portfolio

74/100

Strong

MichiganState

Volume 526Mix 4.68% of portfolio

73/100

Strong

MarylandState

Volume 333Mix 2.96% of portfolio

71/100

Strong

Showing 10 of 43 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.