PNC Bank in Texas vs the state
41.1%Denial rate+21.69 pts vs state
52.6%Decision denial rate+27.69 pts vs state
35.7%Origination rate-19.20 pts vs state
7.74%Median rate+1.24 pts vs state
0.55Rate spread (pts)+0.36 pts vs state
$122kMedian applicant income
2,930Loans originated
3,376Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9,757 | 3,499 | 38.1% | 9.31% | #19 |
| 2024 | 8,258 | 2,948 | 42.0% | 9.19% | #24 |
| 2025 | 8,211 | 2,930 | 41.1% | 7.74% | #25 |
What PNC Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 1,240 | 444 | 490 | 39.5% |
| Dallas County | 733 | 257 | 305 | 41.6% |
| Tarrant County | 716 | 276 | 291 | 40.6% |
| Collin County | 508 | 210 | 173 | 34.1% |
| Denton County | 456 | 202 | 151 | 33.1% |
| Bexar County | 415 | 140 | 170 | 41.0% |
| Travis County | 388 | 159 | 131 | 33.8% |
| Hidalgo County | 352 | 90 | 181 | 51.4% |
| Fort Bend County | 340 | 104 | 139 | 40.9% |
| Montgomery County | 299 | 113 | 129 | 43.1% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 8,211 applications in 2025, of which 2,930 were originated and 3,376 denied.
41.1% of all applications, or 52.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans PNC Bank originated in Texas in 2025 was 7.74%, against a statewide median of 6.50%.
About this data. Figures are PNC Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology