Lenders › PNC Bank N.A. › Florida
PNC Bank N.A. in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Florida, PNC Bank N.A. reported 8,780 applications and 3,699 originations for 2024, $1.2bn in all.
Its denial rate in the state was 44.7%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 35.4%.
The median rate spread on its Florida originations was 0.9 percentage points (state median 0.3).
Applications in the state were down 26% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | PNC Bank N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 44.7% | 29.0% | 35.4% | 24.3% |
| Median rate spread, pp | 0.9 | 0.3 | 0.9 | 0.3 |
| Originations with spread of 1.5 pp or more | 31.5% | 16.4% | 29.2% | 15.6% |
| Average originated loan | $331k | $359k | $309k | $329k |
| Home purchase share | 17.6% | 62.9% | 21.0% | 57.0% |
| FHA-insured share | 0.8% | 17.7% | 1.0% | 13.4% |
| VA-guaranteed share | 0.4% | 9.5% | 0.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 18% (650)Home improvement 36% (1,315)Refinancing 19% (721)Cash-out refinancing 2% (65)Other purpose 26% (948)
By type
Conventional 99% (3,654)FHA 1% (31)VA 0% (14)
Denial reasons as coded
Share of 3,114 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 1,254 | 497 | $175m | 47.5% |
| Broward County | 828 | 275 | $195m | 55.8% |
| St. Lucie County | 458 | 193 | $46m | 48.2% |
| Miami-Dade County | 525 | 178 | $149m | 54.5% |
| Hillsborough County | 373 | 173 | $69m | 42.7% |
| Volusia County | 359 | 169 | $26m | 40.9% |
| Pinellas County | 336 | 167 | $40m | 37.5% |
| Orange County | 387 | 162 | $46m | 44.6% |
| Duval County | 351 | 161 | $29m | 40.1% |
| Brevard County | 318 | 116 | $19m | 49.6% |
| Lee County | 272 | 113 | $36m | 42.9% |
| Collier County | 205 | 109 | $50m | 30.9% |
| St. Johns County | 211 | 103 | $30m | 32.5% |
| Manatee County | 178 | 100 | $34m | 25.5% |
| Lake County | 213 | 95 | $14m | 42.7% |
| Indian River County | 203 | 95 | $20m | 36.3% |
| Sarasota County | 206 | 86 | $28m | 41.1% |
| Pasco County | 200 | 84 | $46m | 42.7% |
| Seminole County | 168 | 74 | $16m | 43.4% |
| Flagler County | 159 | 73 | $12m | 42.9% |
| Osceola County | 181 | 72 | $11m | 51.3% |
| Marion County | 168 | 72 | $10m | 47.5% |
| Clay County | 120 | 63 | $10m | 34.7% |
| Martin County | 131 | 54 | $10m | 42.3% |
| Polk County | 136 | 50 | $7.6m | 51.3% |
| Hernando County | 93 | 46 | $5.0m | 40.3% |
| Okaloosa County | 74 | 39 | $7.3m | 37.9% |
| Walton County | 60 | 35 | $32m | 22.2% |
| Nassau County | 68 | 31 | $8.8m | 36.7% |
| Escambia County | 88 | 26 | $6.3m | 61.2% |
| Alachua County | 73 | 25 | $4.1m | 44.2% |
| Charlotte County | 51 | 25 | $6.7m | 35.0% |
| Santa Rosa County | 48 | 25 | $3.8m | 36.6% |
| Sumter County | 42 | 22 | $4.2m | 30.3% |
| Citrus County | 56 | 16 | $1.7m | 55.3% |
| Okeechobee County | 31 | 13 | $1.9m | — |
| Monroe County | 26 | 9 | $4.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did PNC Bank N.A. originate in Florida in 2024?
3,699 loans totalling $1.2bn, from 8,780 applications reported for properties in Florida.
What is PNC Bank N.A.'s denial rate in Florida?
44.7% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 35.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does PNC Bank N.A. lend in most?
By originations: Palm Beach County (497), Broward County (275), St. Lucie County (193), Miami-Dade County (178), Hillsborough County (173).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.