Lenders › PNC Bank N.A. › Ohio
PNC Bank N.A. in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio 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 Ohio covers 10,746 applications, 5,981 of them originated, worth $1.0bn.
Its denial rate in the state was 31.0%, above the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 35.4%.
The median rate spread on its Ohio originations was 0.8 percentage points (state median 0.5).
Applications in the state were down 7% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | PNC Bank N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 31.0% | 23.5% | 35.4% | 24.3% |
| Median rate spread, pp | 0.8 | 0.5 | 0.9 | 0.3 |
| Originations with spread of 1.5 pp or more | 27.6% | 17.7% | 29.2% | 15.6% |
| Average originated loan | $170k | $218k | $309k | $329k |
| Home purchase share | 20.3% | 51.7% | 21.0% | 57.0% |
| FHA-insured share | 1.4% | 12.3% | 1.0% | 13.4% |
| VA-guaranteed share | 0.4% | 5.9% | 0.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 20% (1,213)Home improvement 29% (1,707)Refinancing 28% (1,661)Cash-out refinancing 2% (128)Other purpose 21% (1,272)
By type
Conventional 98% (5,876)FHA 1% (81)VA 0% (23)USDA 0% (1)
Denial reasons as coded
Share of 2,767 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 1,606 | 835 | $156m | 35.1% |
| Franklin County | 1,225 | 687 | $200m | 29.8% |
| Hamilton County | 976 | 557 | $87m | 30.7% |
| Summit County | 725 | 401 | $55m | 30.1% |
| Montgomery County | 457 | 232 | $24m | 35.4% |
| Delaware County | 323 | 206 | $46m | 24.1% |
| Butler County | 340 | 203 | $52m | 28.0% |
| Lorain County | 301 | 174 | $21m | 26.9% |
| Stark County | 308 | 173 | $22m | 29.7% |
| Lake County | 275 | 160 | $22m | 26.3% |
| Wayne County | 250 | 157 | $18m | 28.0% |
| Lucas County | 289 | 154 | $15m | 32.9% |
| Warren County | 225 | 146 | $26m | 24.7% |
| Medina County | 217 | 146 | $43m | 18.0% |
| Clermont County | 212 | 132 | $19m | 23.7% |
| Mahoning County | 228 | 112 | $13m | 33.9% |
| Fairfield County | 171 | 106 | $16m | 28.1% |
| Trumbull County | 170 | 87 | $7.7m | 37.3% |
| Licking County | 148 | 84 | $14m | 29.8% |
| Geauga County | 119 | 74 | $16m | 21.2% |
| Portage County | 120 | 69 | $9.7m | 26.8% |
| Ashland County | 98 | 68 | $6.8m | 20.5% |
| Greene County | 107 | 67 | $17m | 24.4% |
| Clark County | 113 | 60 | $6.4m | 31.1% |
| Huron County | 76 | 45 | $4.1m | 24.6% |
| Knox County | 81 | 43 | $6.3m | 34.8% |
| Erie County | 75 | 41 | $4.6m | 28.8% |
| Miami County | 72 | 40 | $5.0m | 30.0% |
| Muskingum County | 69 | 39 | $4.0m | 35.0% |
| Columbiana County | 75 | 38 | $3.1m | 28.1% |
| Hocking County | 68 | 37 | $5.2m | 33.9% |
| Union County | 70 | 35 | $7.2m | 32.1% |
| Pickaway County | 67 | 35 | $5.2m | 31.4% |
| Madison County | 49 | 30 | $3.6m | 20.9% |
| Wood County | 59 | 29 | $3.4m | 35.4% |
| Jefferson County | 63 | 28 | $2.2m | 43.4% |
| Perry County | 51 | 25 | $2.6m | 40.9% |
| Marion County | 38 | 25 | $2.6m | 30.6% |
| Belmont County | 40 | 24 | $1.9m | 27.3% |
| Scioto County | 48 | 21 | $2.2m | 45.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did PNC Bank N.A. originate in Ohio in 2024?
5,981 loans totalling $1.0bn, from 10,746 applications reported for properties in Ohio.
What is PNC Bank N.A.'s denial rate in Ohio?
31.0% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does PNC Bank N.A. lend in most?
By originations: Cuyahoga County (835), Franklin County (687), Hamilton County (557), Summit County (401), Montgomery County (232).
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 Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.