PNC Bank in Missouri vs the state
27.3%Denial rate+12.22 pts vs state
33.6%Decision denial rate+14.94 pts vs state
51.2%Origination rate-11.45 pts vs state
7.63%Median rate+1.01 pts vs state
0.49Rate spread (pts)+0.14 pts vs state
$110kMedian applicant income
548Loans originated
292Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,103 | 562 | 26.6% | 8.99% | #38 |
| 2024 | 954 | 494 | 27.5% | 9.27% | #48 |
| 2025 | 1,070 | 548 | 27.3% | 7.63% | #47 |
What PNC Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 381 | 182 | 108 | 28.3% |
| St. Charles County | 176 | 104 | 45 | 25.6% |
| Jefferson County | 97 | 52 | 29 | 29.9% |
| Jackson County | 82 | 50 | 14 | 17.1% |
| St. Louis city | 68 | 23 | 26 | 38.2% |
| Warren County | 32 | 22 | 5 | 15.6% |
| Franklin County | 31 | 19 | 5 | 16.1% |
| Clay County | 21 | 8 | 6 | 28.6% |
| Platte County | 21 | 16 | 2 | 9.5% |
| Cass County | 14 | 10 | 2 | 14.3% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 1,070 applications in 2025, of which 548 were originated and 292 denied.
27.3% of all applications, or 33.6% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans PNC Bank originated in Missouri in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are PNC Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology