Lenders › PNC Bank N.A. › Texas
PNC Bank N.A. in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas 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 Texas, PNC Bank N.A. reported 8,258 applications and 2,948 originations for 2024, $1.1bn in all.
Its denial rate in the state was 53.2%, above the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 35.4%.
The median rate spread on its Texas originations was 1.1 percentage points (state median 0.2).
Applications in the state were down 15% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | PNC Bank N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 53.2% | 26.0% | 35.4% | 24.3% |
| Median rate spread, pp | 1.1 | 0.2 | 0.9 | 0.3 |
| Originations with spread of 1.5 pp or more | 34.4% | 11.8% | 29.2% | 15.6% |
| Average originated loan | $382k | $350k | $309k | $329k |
| Home purchase share | 21.3% | 72.8% | 21.0% | 57.0% |
| FHA-insured share | 0.9% | 19.8% | 1.0% | 13.4% |
| VA-guaranteed share | 0.3% | 10.4% | 0.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 21% (628)Home improvement 29% (865)Refinancing 17% (511)Cash-out refinancing 2% (55)Other purpose 30% (889)
By type
Conventional 99% (2,911)FHA 1% (27)VA 0% (10)
Denial reasons as coded
Share of 3,465 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Harris County | 1,272 | 440 | $172m | 53.4% |
| Tarrant County | 729 | 277 | $95m | 49.0% |
| Dallas County | 796 | 266 | $160m | 54.8% |
| Collin County | 557 | 234 | $58m | 46.6% |
| Denton County | 444 | 176 | $52m | 45.9% |
| Travis County | 384 | 168 | $154m | 42.0% |
| Montgomery County | 268 | 123 | $131m | 43.9% |
| Bexar County | 382 | 115 | $88m | 61.8% |
| Fort Bend County | 331 | 114 | $25m | 55.5% |
| Webb County | 264 | 99 | $14m | 56.0% |
| Hidalgo County | 344 | 92 | $13m | 65.6% |
| Williamson County | 222 | 59 | $11m | 61.8% |
| Cameron County | 171 | 56 | $9.5m | 59.0% |
| Parker County | 121 | 52 | $9.9m | 48.5% |
| Galveston County | 109 | 42 | $7.4m | 47.6% |
| Brazoria County | 125 | 38 | $6.7m | 57.0% |
| Ellis County | 107 | 36 | $6.4m | 58.0% |
| Bell County | 105 | 35 | $6.8m | 57.6% |
| Johnson County | 62 | 31 | $6.2m | 41.8% |
| El Paso County | 138 | 29 | $12m | 71.7% |
| McLennan County | 66 | 25 | $4.0m | 52.7% |
| Hood County | 42 | 23 | $4.1m | 28.1% |
| Hays County | 56 | 22 | $5.0m | 42.5% |
| Kaufman County | 60 | 21 | $2.6m | 56.0% |
| Rockwall County | 52 | 21 | $6.2m | 46.2% |
| Jefferson County | 65 | 20 | $3.7m | 65.5% |
| Lubbock County | 47 | 19 | $3.1m | 45.9% |
| Comal County | 39 | 15 | $2.9m | 46.4% |
| Maverick County | 37 | 15 | $2.0m | 53.1% |
| Brazos County | 28 | 12 | $3.6m | — |
| Nueces County | 50 | 11 | $2.2m | 70.3% |
| Smith County | 34 | 10 | $1.1m | — |
| Starr County | 28 | 9 | $1.3m | — |
| Val Verde County | 31 | 8 | $1.1m | 73.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did PNC Bank N.A. originate in Texas in 2024?
2,948 loans totalling $1.1bn, from 8,258 applications reported for properties in Texas.
What is PNC Bank N.A.'s denial rate in Texas?
53.2% of decided applications in Texas were denied, against 26.0% 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 Texas counties does PNC Bank N.A. lend in most?
By originations: Harris County (440), Tarrant County (277), Dallas County (266), Collin County (234), Denton County (176).
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 Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.