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PNC Bank N.A. in North Carolina

HMDA record for properties in North Carolina, calendar year 2024. National record · North Carolina overview

LEI AD6GFRVSDT01YPT1CS68
Reporting agency Consumer Financial Protection Bureau
State North Carolina

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 North Carolina covers 4,432 applications, 2,338 of them originated, worth $488m.

Its denial rate in the state was 33.0%, above the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 35.4%.

The median rate spread on its North Carolina originations was 0.5 percentage points (state median 0.2).

Applications in the state were down 22% on 2023.

4,432applications in NC, 20244.0% of the lender's total
2,338loans originated$488m
33.0%denial rateNC all lenders 24.0%
0.5 ppmedian rate spreadNC 0.2 pp

Compared with the state and the lender's national record

MeasureIn North CarolinaNorth Carolina, all lendersPNC Bank N.A., all statesUnited States
Denial rate33.0%24.0%35.4%24.3%
Median rate spread, pp0.50.20.90.3
Originations with spread of 1.5 pp or more18.4%11.8%29.2%15.6%
Average originated loan$209k$299k$309k$329k
Home purchase share20.7%56.3%21.0%57.0%
FHA-insured share0.7%11.8%1.0%13.4%
VA-guaranteed share0.3%11.8%0.4%7.9%

Trend by year

ApplicationsOriginations

04337.58,6752022: 8,675 Applications2023: 5,689 Applications2024: 4,432 Applications2022: 5,063 Originations2023: 3,041 Originations2024: 2,338 Originations202220232024
PNC Bank N.A. in North Carolina: applications and originations, 2022–2024

This lender in stateNorth Carolina, all lenders

0%16.5%33%2022: 27% This lender in state2023: 31.7% This lender in state2024: 33% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in North Carolina

By purpose

Home purchase 21% (485)Home improvement 27% (620)Refinancing 25% (582)Cash-out refinancing 1% (23)Other purpose 27% (628)

By type

Conventional 99% (2,315)FHA 1% (17)VA 0% (6)

Denial reasons as coded

Credit history43.2%
Debt-to-income ratio40.5%
Credit application incomplete8.1%
Collateral6.6%
Other1.5%
Employment history0.1%
Unverifiable information0.1%
Insufficient cash (downpayment, closing costs)0%
Mortgage insurance denied0%

Share of 1,190 denials in North Carolina by first denial reason coded (outlined bar: all lenders in the state).

Counties in North Carolina

CountyApplicationsOriginationsAmountDenial rate
Wake County600334$77m28.4%
Mecklenburg County492294$104m24.8%
New Hanover County168102$24m25.5%
Johnston County13378$14m29.2%
Brunswick County11372$17m22.6%
Guilford County13068$9.9m28.4%
Durham County12667$15m31.1%
Union County12364$14m33.7%
Cumberland County14260$7.0m47.1%
Iredell County9855$14m33.7%
Nash County10153$6.3m34.1%
Craven County8146$7.6m33.3%
Randolph County7845$5.1m30.3%
Forsyth County7344$15m22.0%
Onslow County7640$6.2m31.7%
Harnett County7535$4.2m46.4%
Buncombe County7435$8.0m35.7%
Gaston County6635$4.8m36.8%
Moore County6634$5.7m30.0%
Granville County5934$6.0m35.2%
Pender County5833$5.8m26.0%
Chatham County5133$8.2m22.7%
Dare County7031$8.6m46.6%
Carteret County6730$5.0m38.0%
Orange County4426$4.7m17.6%
Henderson County4525$3.4m28.6%
Cabarrus County4424$4.8m35.9%
Pitt County6022$2.2m46.3%
Catawba County4721$3.4m37.8%
Alamance County4020$3.9m31.3%
Wilson County5119$2.4m53.7%
Caldwell County3819$3.3m40.6%
Lee County4418$2.0m42.4%
Davidson County3818$2.7m45.5%
Rutherford County3016$2.0m28.0%
Edgecombe County4515$1.1m55.9%
Wayne County3815$1.6m42.9%
Surry County2615$1.7m—
Lincoln County2615$4.1m—
Franklin County2613$2.2m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did PNC Bank N.A. originate in North Carolina in 2024?

2,338 loans totalling $488m, from 4,432 applications reported for properties in North Carolina.

What is PNC Bank N.A.'s denial rate in North Carolina?

33.0% of decided applications in North Carolina were denied, against 24.0% 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 North Carolina counties does PNC Bank N.A. lend in most?

By originations: Wake County (334), Mecklenburg County (294), New Hanover County (102), Johnston County (78), Brunswick County (72).

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 North Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.