Lenders › PNC Bank N.A. › Georgia
PNC Bank N.A. in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia 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 Georgia, PNC Bank N.A. reported 2,682 applications and 1,221 originations for 2024, $271m in all.
Its denial rate in the state was 41.1%, above the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 35.4%.
The median rate spread on its Georgia originations was 1.0 percentage points (state median 0.4).
Applications in the state were down 23% on 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | PNC Bank N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 41.1% | 26.9% | 35.4% | 24.3% |
| Median rate spread, pp | 1.0 | 0.4 | 0.9 | 0.3 |
| Originations with spread of 1.5 pp or more | 41.6% | 17.5% | 29.2% | 15.6% |
| Average originated loan | $222k | $313k | $309k | $329k |
| Home purchase share | 17.0% | 57.0% | 21.0% | 57.0% |
| FHA-insured share | 1.2% | 18.3% | 1.0% | 13.4% |
| VA-guaranteed share | 0.4% | 11.6% | 0.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 17% (207)Home improvement 36% (445)Refinancing 22% (264)Cash-out refinancing 1% (17)Other purpose 24% (288)
By type
Conventional 98% (1,201)FHA 1% (15)VA 0% (5)
Denial reasons as coded
Share of 890 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fulton County | 435 | 200 | $58m | 38.1% |
| Cobb County | 372 | 182 | $35m | 38.0% |
| Gwinnett County | 438 | 166 | $55m | 49.9% |
| DeKalb County | 198 | 81 | $16m | 47.8% |
| Forsyth County | 143 | 63 | $16m | 43.0% |
| Cherokee County | 90 | 51 | $11m | 30.9% |
| Coweta County | 76 | 39 | $5.4m | 35.0% |
| Troup County | 72 | 38 | $4.6m | 36.7% |
| Henry County | 80 | 37 | $4.4m | 47.9% |
| Clayton County | 84 | 33 | $3.3m | 52.8% |
| Paulding County | 64 | 32 | $4.8m | 37.3% |
| Fayette County | 47 | 25 | $5.5m | 34.2% |
| Chatham County | 45 | 25 | $5.7m | 16.1% |
| Douglas County | 58 | 22 | $2.8m | 50.0% |
| Hall County | 29 | 16 | $3.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did PNC Bank N.A. originate in Georgia in 2024?
1,221 loans totalling $271m, from 2,682 applications reported for properties in Georgia.
What is PNC Bank N.A.'s denial rate in Georgia?
41.1% of decided applications in Georgia were denied, against 26.9% 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 Georgia counties does PNC Bank N.A. lend in most?
By originations: Fulton County (200), Cobb County (182), Gwinnett County (166), DeKalb County (81), Forsyth County (63).
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 Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.