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PNC Bank, National Association
Bank|Wilmington, DE|National
Loans Originated
11,250
Applications
17,235
Volume
$5 billion
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.120%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$186
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
65.3%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
PNC Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | National · 50 metro areas · 51 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$466,275
Average Borrower Income
$204,211
Average Property Value
$674,423
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% | $188 |
FHA Loans | Strong | Strong | Strong | Sound | 474 | 4.2% | +0.673% | $495 |
VA Loans | Sound | Strong | Sound | Sound | 187 | 1.7% | -0.060% | $1,389 |
Jumbo Loans | Strong | Exceptional | Sound | Strong | 1,322 | 11.8% | +0.007% | -$105 |
USDA Loans | Acceptable | Sound | N/A | Mediocre | 13 | 0.1% | +0.730% | $412 |
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% | $94 |
Refinance | Strong | Exceptional | Sound | Strong | 1,778 | 15.8% | +0.206% | $673 |
Geographic Coverage
Metro Areas
49
States Served
51
Why 51? We count DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Pittsburgh, PA, PAMSA
Volume: 775Mix: 6.89%
Place Specialization
Exceptional
2
San Jose, CAMSA
Volume: 382Mix: 3.40%
Place Specialization
Exceptional
3
San Francisco, CAMSA
Volume: 209Mix: 1.86%
Place Specialization
Exceptional
4
Oakland, CAMSA
Volume: 310Mix: 2.76%
Place Specialization
Exceptional
5
Columbus, OH, OHMSA
Volume: 310Mix: 2.76%
Place Specialization
Strong
6
Seattle, WAMSA
Volume: 306Mix: 2.72%
Place Specialization
Strong
7
Louisville/Jefferson County, KY, KY-INMSA
Volume: 228Mix: 2.03%
Place Specialization
Strong
8
Cleveland, OH, OHMSA
Volume: 286Mix: 2.54%
Place Specialization
Strong
9
Morgantown, WV, WVMSA
Volume: 62Mix: 0.55%
Place Specialization
Strong
10
Cincinnati, OHMSA
Volume: 208Mix: 1.85%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
PAState
Volume: 1,516Mix: 13.48%
Place Specialization
Exceptional
2
OHState
Volume: 1,198Mix: 10.65%
Place Specialization
Exceptional
3
ILState
Volume: 784Mix: 6.97%
Place Specialization
Strong
4
CAState
Volume: 1,452Mix: 12.91%
Place Specialization
Strong
5
NJState
Volume: 467Mix: 4.15%
Place Specialization
Strong
6
KYState
Volume: 361Mix: 3.21%
Place Specialization
Strong
7
INState
Volume: 554Mix: 4.92%
Place Specialization
Strong
8
WAState
Volume: 374Mix: 3.32%
Place Specialization
Strong
9
MIState
Volume: 526Mix: 4.68%
Place Specialization
Strong
10
MDState
Volume: 333Mix: 2.96%
Place Specialization
Strong
Showing 10 of 43 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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