PNC Bank NMLS #446303
At a glance
- HeadquartersWilmington, DE
- Size61,280 home loans closed in 2025
- Loan typesConventional
2025 figures are for PNC Bank, National Association's filing.
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Who is PNC Bank?
PNC Bank (NMLS #446303) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerPNC Bank
- NMLS #446303
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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Bank facts
PNC Bank, National Association held $609,771,726,000 in total assets as of June 30, 2026, per the FDIC (certificate 6384). The FDIC and NMLS records both place it in Wilmington, Delaware. FDIC deposit insurance covers deposits held at the bank. It is the bank's coverage and does not extend to any mortgage.
About PNC Bank
Overview
PNC Bank is a national bank headquartered in Wilmington, Delaware. Its primary federal regulator is the Office of the Comptroller of the Currency.
Company details and licensing
The legal entity is PNC Bank, National Association. Its headquarters are at 222 Delaware Avenue, Wilmington, Delaware 19899. The company’s NMLS ID is 446303. Licensing is verifiable through NMLS Consumer Access.
Additional information
Reported application outcomes and pricing, 2025
- Filed asPNC Bank, National Association
- 2025 home loan decisionsOf 95,909 applications decided by PNC Bank, National Association in 2025, 61,280 were originated, 2,180 were approved but not accepted by the borrower, and 32,449 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 66.2%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 12,221 applications were withdrawn by the borrower, 8,406 were closed for incompleteness, and 14,974 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.343 percentage points above the average prime offer rate (reported on 60,266 originations, 1,014 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$4,743.60 — originated closed-end household loans, 2025, 12,457 of 12,564 loans. FFIEC HMDA data browser.
- Median origination charges$1,420.00 — originated closed-end household loans, 2025, 12,458 of 12,564 loans. FFIEC HMDA data browser.
- Median lender credits$3,000.00 — originated closed-end household loans, 2025, 7,867 of 12,564 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types60,515 Conventional, 528 FHA, 228 VA, 9 USDA — of 61,280 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for PNC Bank, National Association — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is PNC Bank's NMLS number?
PNC Bank's NMLS number is 446303. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified PNC Bank's NMLS ID?
Yes. We checked PNC Bank's company name and NMLS ID against the NMLS record on August 7, 2026. They've been in our lender network since June 2014. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about PNC Bank?
This page has PNC Bank's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.