PNC Bank Review
See how often this lender beats the typical offer on 2025 loans.
How Bankrate scores PNC Bank
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
4 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
4 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
2%2 out of 5 - Where and what they lend
How many states and loan types this lender serves.
99%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. Neither of those two measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, fewer than 90% did, which might mean quoted terms changed before closing, applicants stepped away, or both.
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What Bankrate's editors think
PNC Bank has a national network of physical branches for in-person support and digital tools that go further than most banks bother building. Its Home Insight Planner lets borrowers set a budget, search real listings and compare loan scenarios against live rates in one place, and a companion Tracker keeps tabs on an application after it’s submitted. PNC also offers grants up to $10,000 for buyers in qualifying lower-income or minority neighborhoods, plus smaller grants for other income-eligible borrowers.
PNC is slightly better than average in terms of price — about 65% of its 2025 mortgages were priced below comparable loans, and it charges less in added costs than most comparable lenders over eight years. CFPB origination-related complaints run higher, about 5.5 per 1,000 loans, which caps that score no matter how many are resolved with relief for the consumer. This lender also scores poorly for its closing likelihood, with 15% of approved loans failing to reach the closing table. Remember that a closing can fall through for reasons beyond a lender’s control, such as an applicant walking away.
At a glance
Good for borrowers who want a traditional bank experience with digital tools layered on. Not a good fit for buyers in a hurry to close: PNC’s approved loans fall through before closing more often than many lenders we rate.
What consumers say
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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