PNC Bank in California vs the state
27.7%Denial rate+10.31 pts vs state
35.1%Decision denial rate+12.73 pts vs state
49.3%Origination rate-6.86 pts vs state
6.75%Median rate+0.13 pts vs state
0.22Rate spread (pts)-0.05 pts vs state
$216kMedian applicant income
2,688Loans originated
1,511Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9,000 | 4,952 | 21.1% | 7.74% | #17 |
| 2024 | 6,710 | 3,507 | 24.5% | 7.75% | #29 |
| 2025 | 5,448 | 2,688 | 27.7% | 6.75% | #37 |
What PNC Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 878 | 380 | 276 | 31.4% |
| Santa Clara County | 608 | 410 | 89 | 14.6% |
| Riverside County | 482 | 164 | 220 | 45.6% |
| Orange County | 426 | 194 | 121 | 28.4% |
| Alameda County | 416 | 247 | 70 | 16.8% |
| San Diego County | 400 | 189 | 127 | 31.8% |
| Contra Costa County | 286 | 173 | 67 | 23.4% |
| San Mateo County | 281 | 188 | 34 | 12.1% |
| San Joaquin County | 228 | 94 | 71 | 31.1% |
| San Bernardino County | 167 | 56 | 71 | 42.5% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 5,448 applications in 2025, of which 2,688 were originated and 1,511 denied.
27.7% of all applications, or 35.1% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans PNC Bank originated in California in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are PNC Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology