PNC Mortgage Review 2026

PNC Bank overview

Founded in 1865 as Pittsburgh National Bank, PNC is a national bank and lender with branch locations in nearly 30 states and Washington, D.C. and mortgages available nationwide. Among the perks of working with this bank on your loan: a no-credit-check prequalification and some specials on home purchases. 

Pros and cons of PNC

How Bankrate scored PNC Bank

Affordability: 5 stars

PNC gets a perfect score for affordability thanks to its rates and low-down-payment options.

• Interest rates: PNC Bank’s mortgage rates and APRs are below market average as of this review.
• Down payment: PNC offers VA and USDA loans with no down payment, FHA loans with 3.5 percent down and conventional loans with just 3 percent down.
• Closing costs: You can expect to pay 3 percent to 5 percent of the loan amount in closing costs, according to the bank. Some discounts might be available for banking customers.

Availability: 5 stars

PNC Bank offers a deep bench of loan options and is available to qualified borrowers across the U.S. This earns it a perfect score for availability. 

• Home loans offered: PNC offers conventional, jumbo, USDA, FHA and VA purchase and refinance options, as well as HELOCs.
• Footprint: PNC lends mortgages nationwide, with branch locations in many states.
• Where to find: You can apply for a mortgage with PNC Bank online, by phone or in person at a branch location.

Borrower experience: 4.6 stars

PNC Bank makes it easy to compare current rate offers online and get in touch with customer service. We scored the bank 4.6 out of 5 stars for borrower experience.

• Preapproval and application process: With PNC Bank, you could get an online preapproval in as little as 24 hours, and a conditional approval in three to five business days. When you’re ready, you can also complete a digital loan application that allows you to import income information using your bank credentials.You might also be able to e-sign some closing documents.
• Transparency: PNC Bank’s website features a customizable mortgage rate quote tool. You’ll need to input information about the home’s purchase price, your down payment, your credit score and ZIP code.
• Customer service: You can reach PNC Bank’s customer service team at 800-822-5626 for current mortgage holders, Monday through Friday from 8 a.m. to 9 p.m. ET and Saturday and Sunday from 8 a.m. to 5 p.m. ET. For general mortgage queries, call 855-744-2668. There’s also an automated, 24/7 line for account holders. 

PNC Bank reputation

PNC Bank doesn’t have the best ratings on third-party websites like the Better Business Bureau and Trustpilot. The complaints tend to center around banking services and credit cards, however.