PNC Bank in Pennsylvania vs the state
20.6%Denial rate+2.29 pts vs state
24.2%Decision denial rate+2.02 pts vs state
62.5%Origination rate+1.50 pts vs state
6.88%Median rate+0.25 pts vs state
0.20Rate spread (pts)-0.04 pts vs state
$94kMedian applicant income
11,263Loans originated
3,711Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16,087 | 9,277 | 24.4% | 8.46% | #2 |
| 2024 | 15,346 | 8,902 | 24.1% | 8.68% | #3 |
| 2025 | 18,031 | 11,263 | 20.6% | 6.88% | #3 |
What PNC Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 4,709 | 3,102 | 789 | 16.8% |
| Westmoreland County | 1,230 | 864 | 198 | 16.1% |
| Philadelphia County | 1,057 | 493 | 329 | 31.1% |
| Montgomery County | 1,018 | 727 | 166 | 16.3% |
| Washington County | 921 | 593 | 180 | 19.5% |
| Fayette County | 918 | 618 | 153 | 16.7% |
| Bucks County | 678 | 417 | 129 | 19.0% |
| Chester County | 630 | 419 | 112 | 17.8% |
| Lancaster County | 605 | 367 | 118 | 19.5% |
| Delaware County | 492 | 291 | 118 | 24.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
| Newrez | D | 6,444 | 20.7% | 6.75% |
Frequently asked questions
Pennsylvania: 18,031 applications in 2025, of which 11,263 were originated and 3,711 denied.
20.6% of all applications, or 24.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans PNC Bank originated in Pennsylvania in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are PNC Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology