Lenders › PNC Bank N.A. › Pennsylvania
PNC Bank N.A. in Pennsylvania
HMDA record for properties in Pennsylvania, calendar year 2024. National record · Pennsylvania 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 Pennsylvania covers 15,346 applications, 8,902 of them originated, worth $1.4bn.
Its denial rate in the state was 28.6%, above the Pennsylvania rate of 24.2% across all lenders and compared with the lender's national rate of 35.4%.
The median rate spread on its Pennsylvania originations was 0.7 percentage points (state median 0.3).
Applications in the state were down 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Pennsylvania | Pennsylvania, all lenders | PNC Bank N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 28.6% | 24.2% | 35.4% | 24.3% |
| Median rate spread, pp | 0.7 | 0.3 | 0.9 | 0.3 |
| Originations with spread of 1.5 pp or more | 26.4% | 14.1% | 29.2% | 15.6% |
| Average originated loan | $153k | $226k | $309k | $329k |
| Home purchase share | 19.2% | 48.7% | 21.0% | 57.0% |
| FHA-insured share | 0.8% | 9.8% | 1.0% | 13.4% |
| VA-guaranteed share | 0.3% | 4.0% | 0.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in statePennsylvania, all lenders
Loan purpose and loan type in Pennsylvania
By purpose
Home purchase 19% (1,705)Home improvement 31% (2,790)Refinancing 30% (2,647)Cash-out refinancing 1% (82)Other purpose 19% (1,678)
By type
Conventional 99% (8,809)FHA 1% (68)VA 0% (23)USDA 0% (2)
Denial reasons as coded
Share of 3,694 denials in Pennsylvania by first denial reason coded (outlined bar: all lenders in the state).
Counties in Pennsylvania
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Allegheny County | 3,815 | 2,401 | $352m | 23.0% |
| Montgomery County | 897 | 579 | $137m | 21.2% |
| Westmoreland County | 863 | 553 | $69m | 22.2% |
| Washington County | 741 | 449 | $65m | 25.0% |
| Philadelphia County | 956 | 371 | $61m | 50.4% |
| Chester County | 570 | 359 | $85m | 23.9% |
| Bucks County | 580 | 338 | $73m | 27.3% |
| Delaware County | 551 | 315 | $59m | 29.1% |
| Fayette County | 532 | 311 | $29m | 27.4% |
| Butler County | 421 | 299 | $53m | 15.7% |
| Lancaster County | 509 | 277 | $40m | 32.6% |
| Erie County | 463 | 259 | $30m | 31.8% |
| Luzerne County | 424 | 207 | $22m | 40.9% |
| Northampton County | 378 | 206 | $27m | 34.9% |
| York County | 309 | 178 | $23m | 25.9% |
| Adams County | 268 | 173 | $20m | 24.5% |
| Beaver County | 274 | 165 | $21m | 27.5% |
| Lehigh County | 286 | 140 | $20m | 37.0% |
| Monroe County | 321 | 138 | $17m | 47.2% |
| Lackawanna County | 220 | 113 | $14m | 36.5% |
| Cumberland County | 174 | 100 | $16m | 25.5% |
| Lawrence County | 147 | 96 | $10.0m | 23.0% |
| Mercer County | 162 | 83 | $9.1m | 37.7% |
| Dauphin County | 144 | 77 | $13m | 34.7% |
| Crawford County | 148 | 75 | $6.3m | 33.3% |
| Centre County | 104 | 54 | $8.6m | 30.1% |
| Somerset County | 65 | 50 | $7.1m | 10.2% |
| Berks County | 81 | 48 | $8.4m | 33.3% |
| Venango County | 63 | 41 | $3.3m | 26.8% |
| Armstrong County | 60 | 35 | $3.4m | 22.0% |
| Pike County | 81 | 31 | $4.2m | 47.6% |
| Franklin County | 53 | 30 | $3.5m | 30.2% |
| Lycoming County | 48 | 28 | $3.0m | 31.7% |
| Carbon County | 64 | 27 | $4.0m | 50.0% |
| Warren County | 60 | 26 | $2.3m | 42.2% |
| Indiana County | 46 | 26 | $3.1m | 31.6% |
| McKean County | 42 | 26 | $2.3m | 31.6% |
| Lebanon County | 42 | 24 | $3.8m | 29.7% |
| Greene County | 30 | 23 | $2.2m | 11.5% |
| Columbia County | 52 | 22 | $3.0m | 43.2% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did PNC Bank N.A. originate in Pennsylvania in 2024?
8,902 loans totalling $1.4bn, from 15,346 applications reported for properties in Pennsylvania.
What is PNC Bank N.A.'s denial rate in Pennsylvania?
28.6% of decided applications in Pennsylvania were denied, against 24.2% 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 Pennsylvania counties does PNC Bank N.A. lend in most?
By originations: Allegheny County (2,401), Montgomery County (579), Westmoreland County (553), Washington County (449), Philadelphia County (371).
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 Pennsylvania. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.