PNC Bank in New York vs the state
39.0%Denial rate+19.25 pts vs state
50.8%Decision denial rate+26.74 pts vs state
36.1%Origination rate-23.53 pts vs state
7.06%Median rate+0.44 pts vs state
0.23Rate spread (pts)+0.02 pts vs state
$179kMedian applicant income
454Loans originated
491Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,906 | 796 | 32.8% | 8.33% | #39 |
| 2024 | 1,131 | 426 | 39.0% | 9.59% | #73 |
| 2025 | 1,259 | 454 | 39.0% | 7.06% | #71 |
What PNC Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 166 | 71 | 61 | 36.7% |
| Kings County | 162 | 54 | 65 | 40.1% |
| Nassau County | 146 | 51 | 60 | 41.1% |
| Queens County | 109 | 19 | 53 | 48.6% |
| Westchester County | 103 | 41 | 42 | 40.8% |
| New York County | 74 | 35 | 17 | 23.0% |
| Rockland County | 73 | 29 | 25 | 34.2% |
| Erie County | 51 | 16 | 24 | 47.1% |
| Bronx County | 44 | 11 | 25 | 56.8% |
| Richmond County | 41 | 18 | 16 | 39.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 1,259 applications in 2025, of which 454 were originated and 491 denied.
39.0% of all applications, or 50.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans PNC Bank originated in New York in 2025 was 7.06%, against a statewide median of 6.63%.
About this data. Figures are PNC Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology