Lenders › PNC Bank N.A. › Maryland
PNC Bank N.A. in Maryland
HMDA record for properties in Maryland, calendar year 2024. National record · Maryland 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.
PNC Bank N.A.'s 2024 HMDA record for Maryland covers 4,966 applications, 2,349 of them originated, worth $492m.
Its denial rate in the state was 39.9%, above the Maryland rate of 24.9% across all lenders and compared with the lender's national rate of 35.4%.
The median rate spread on its Maryland originations was 1.7 percentage points (state median 0.3).
Applications in the state were down 10% on 2023.
Compared with the state and the lender's national record
| Measure | In Maryland | Maryland, all lenders | PNC Bank N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 39.9% | 24.9% | 35.4% | 24.3% |
| Median rate spread, pp | 1.7 | 0.3 | 0.9 | 0.3 |
| Originations with spread of 1.5 pp or more | 54.1% | 17.7% | 29.2% | 15.6% |
| Average originated loan | $209k | $348k | $309k | $329k |
| Home purchase share | 13.5% | 56.2% | 21.0% | 57.0% |
| FHA-insured share | 1.1% | 14.6% | 1.0% | 13.4% |
| VA-guaranteed share | 0.1% | 10.0% | 0.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMaryland, all lenders
Loan purpose and loan type in Maryland
By purpose
Home purchase 14% (318)Home improvement 34% (792)Refinancing 25% (593)Cash-out refinancing 2% (53)Other purpose 25% (593)
By type
Conventional 99% (2,319)FHA 1% (27)VA 0% (3)
Denial reasons as coded
Share of 1,615 denials in Maryland by first denial reason coded (outlined bar: all lenders in the state).
Counties in Maryland
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Frederick County | 557 | 309 | $41m | 32.3% |
| Montgomery County | 618 | 297 | $74m | 37.9% |
| Prince George's County | 615 | 214 | $52m | 54.0% |
| Baltimore County | 454 | 195 | $31m | 43.2% |
| Anne Arundel County | 359 | 183 | $134m | 35.1% |
| Carroll County | 317 | 177 | $24m | 34.7% |
| Harford County | 223 | 121 | $16m | 34.6% |
| Cecil County | 247 | 119 | $16m | 39.2% |
| Baltimore city | 274 | 107 | $16m | 49.3% |
| Charles County | 180 | 92 | $11m | 35.6% |
| Howard County | 187 | 83 | $17m | 38.3% |
| Washington County | 167 | 74 | $6.9m | 47.3% |
| Worcester County | 139 | 68 | $10.0m | 33.6% |
| St. Mary's County | 134 | 65 | $7.0m | 41.2% |
| Wicomico County | 111 | 56 | $5.5m | 37.6% |
| Calvert County | 116 | 55 | $7.8m | 42.3% |
| Queen Anne's County | 58 | 37 | $4.3m | 25.0% |
| Talbot County | 51 | 30 | $7.1m | 22.5% |
| Caroline County | 54 | 23 | $1.8m | 36.1% |
| Kent County | 32 | 17 | $3.4m | 28.0% |
| Somerset County | 39 | 13 | $965k | 56.7% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did PNC Bank N.A. originate in Maryland in 2024?
2,349 loans totalling $492m, from 4,966 applications reported for properties in Maryland.
What is PNC Bank N.A.'s denial rate in Maryland?
39.9% of decided applications in Maryland were denied, against 24.9% 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 Maryland counties does PNC Bank N.A. lend in most?
By originations: Frederick County (309), Montgomery County (297), Prince George's County (214), Baltimore County (195), Anne Arundel County (183).
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 Maryland. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.