PNC Bank: 2025 loan data
PNC Bank's 2025 at a glance, from the public report every mortgage lender files each year.
Filed as PNC Bank, National Association
- Home loans closed61,280Loans it funded in 2025
- Approval rate66.2%Of applications it said yes or no to
- Typical loan costs$4,743.60Middle amount, before taxes, prepaids and escrow
- Typical lender fees$1,420.00Its own charges to make the loan
These describe the lender's past loans. They are not a quote or a promise for your loan.
How these numbers are counted
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 Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 12,221 applications were withdrawn by the borrower, 8,406 were closed for incompleteness, and 14,974 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.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 November 11, 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.