Lenders › PNC Bank N.A. › Michigan
PNC Bank N.A. in Michigan
HMDA record for properties in Michigan, calendar year 2024. National record · Michigan 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 Michigan, PNC Bank N.A. reported 4,824 applications and 2,688 originations for 2024, $461m in all.
Its denial rate in the state was 30.5%, above the Michigan rate of 23.9% across all lenders and compared with the lender's national rate of 35.4%.
The median rate spread on its Michigan originations was 0.9 percentage points (state median 0.5).
Applications in the state were down 10% on 2023.
Compared with the state and the lender's national record
| Measure | In Michigan | Michigan, all lenders | PNC Bank N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 30.5% | 23.9% | 35.4% | 24.3% |
| Median rate spread, pp | 0.9 | 0.5 | 0.9 | 0.3 |
| Originations with spread of 1.5 pp or more | 24.5% | 18.4% | 29.2% | 15.6% |
| Average originated loan | $172k | $212k | $309k | $329k |
| Home purchase share | 19.9% | 51.2% | 21.0% | 57.0% |
| FHA-insured share | 1.0% | 10.0% | 1.0% | 13.4% |
| VA-guaranteed share | 0.4% | 4.5% | 0.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMichigan, all lenders
Loan purpose and loan type in Michigan
By purpose
Home purchase 20% (535)Home improvement 31% (846)Refinancing 27% (723)Cash-out refinancing 2% (41)Other purpose 20% (543)
By type
Conventional 99% (2,651)FHA 1% (26)VA 0% (10)USDA 0% (1)
Denial reasons as coded
Share of 1,218 denials in Michigan by first denial reason coded (outlined bar: all lenders in the state).
Counties in Michigan
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Oakland County | 807 | 464 | $90m | 26.0% |
| Wayne County | 777 | 355 | $42m | 43.1% |
| Macomb County | 427 | 233 | $29m | 30.5% |
| Washtenaw County | 239 | 159 | $35m | 20.0% |
| Kent County | 216 | 138 | $44m | 24.2% |
| Kalamazoo County | 189 | 122 | $15m | 20.9% |
| Livingston County | 157 | 94 | $15m | 20.2% |
| Muskegon County | 149 | 81 | $10.0m | 31.7% |
| Ingham County | 148 | 81 | $10m | 33.1% |
| Lapeer County | 130 | 81 | $10m | 26.1% |
| Ottawa County | 107 | 74 | $10m | 19.4% |
| Monroe County | 110 | 59 | $7.3m | 34.8% |
| Saginaw County | 90 | 55 | $5.9m | 29.6% |
| Allegan County | 77 | 45 | $6.5m | 29.2% |
| Eaton County | 80 | 37 | $24m | 40.6% |
| St. Clair County | 69 | 37 | $5.8m | 28.3% |
| Clinton County | 55 | 37 | $9.9m | 19.1% |
| Genesee County | 66 | 32 | $5.0m | 41.4% |
| Van Buren County | 52 | 29 | $4.9m | 34.1% |
| Jackson County | 63 | 27 | $9.0m | 44.0% |
| Isabella County | 45 | 22 | $2.1m | 30.3% |
| Calhoun County | 44 | 22 | $2.1m | 42.5% |
| Lenawee County | 33 | 21 | $3.2m | 19.2% |
| Barry County | 35 | 18 | $2.1m | 34.5% |
| Cheboygan County | 31 | 17 | $3.3m | — |
| Bay County | 54 | 16 | $2.1m | 60.0% |
| Alpena County | 26 | 16 | $2.0m | — |
| Branch County | 25 | 15 | $1.6m | — |
| Gladwin County | 31 | 14 | $1.3m | 44.0% |
| Grand Traverse County | 28 | 14 | $1.8m | — |
| Tuscola County | 28 | 8 | $440k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did PNC Bank N.A. originate in Michigan in 2024?
2,688 loans totalling $461m, from 4,824 applications reported for properties in Michigan.
What is PNC Bank N.A.'s denial rate in Michigan?
30.5% of decided applications in Michigan were denied, against 23.9% 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 Michigan counties does PNC Bank N.A. lend in most?
By originations: Oakland County (464), Wayne County (355), Macomb County (233), Washtenaw County (159), Kent County (138).
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 Michigan. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.