Responsible Lending & Mortgage Practices

Responsible Home Lending

In 2018, PNC originated $7.4 billion in residential mortgage loans to those purchasing a new home or refinancing a current home loan. We support home ownership for low- and moderate-income borrowers and have helped tens of thousands of these borrowers purchase, refinance or improve their homes by offering mortgage products that are affordable, flexible and sustainable.

Among these products are those that adhere to Federal Housing Administration and Department of Veterans Affairs guidelines. PNC's portfolio mortgage product, PNC Community Mortgage, offers flexible underwriting guidelines and reduced costs for prospective borrowers.

Home Lending Transformation

In 2018, we made progress on our multi-year initiative to redesign the home lending process by moving mortgage loan applications to the Empower loan originations system and converting existing home equity loans and lines of credit from their existing servicing platforms to Mortgage Servicing Platform, the platform we use to service mortgage loans.

This transformation will be more efficient, help us more easily comply with regulatory changes and create a better customer experience. In 2019, we are planning to move home equity originations into Empower as well.

Mortgage Assistance

We offer a variety of products so our customers can choose the mortgage option that best meets their needs. Life changes and other unexpected hardships may, however, affect a borrower’s ability to repay a mortgage loan. We participate in several government- and investor-sponsored programs to assist homeowners who are unable to meet their obligations, and we offer the Making Home Affordable® program options for those who become unemployed or are considering refinancing or selling their home for less than they owe.

We also have several loss mitigation and payment modification options, including forbearance, repayment plans, modifications, partial claims, short sales, assumptions and deed, in lieu of foreclosure. We encourage distressed homeowners to contact us to discuss the right option for their circumstances.

Corporate Lending and Our Approach to Risk Management

The foundation for our steady performance has been our unwillingness to compromise our risk appetite as competition to extend credit drives terms that do not fit within our risk and pricing parameters. Our disciplined approach to risk management has served us well and positions us to continue growing our business and creating value for our shareholders in virtually any environment.

Strengthening Connections. Fostering Success.

2018 Corporate Social Responsibility

Summary of Our Efforts »

Download 2018 CSR Report

Download 2018 Executive Summary

Learn More About CSR

Stakeholder Engagement »

Download previous Reports and Newsletters »

In 2018, PNC Originated


in residential mortgage loans.


PNC’s HomeHQ features tools to help prospective homebuyers weigh the costs and benefits of home ownership.

Learn More »

Recognized for our Efforts

Corporate Awards & Recognition

Employer of Choice

  • 50 Most Engaged Workplaces™, Achievers (2018)
  • Most Admired for HR, Human Resource Executive magazine (2018)
  • 50 Happiest Companies in America, CareerBliss (2018)

Diversity & Inclusion

  • 2019 Employer of the Year, Disability:IN (2019)
  • Best Finance Companies for Women, Fairygodboss (2019)
  • Gender-Equality Index (BFGEI), Bloomberg (2019)
  • Best Places to Work for LGBTQ Equality, Human Rights Campaign (2019)
  • A. Leon Higginbotham Corporate Leadership Award, National Lawyers' Committee for Civil Rights (2018)
  • Top 50 Employers, CAREERS & the disABLED magazine (2020)
  • Top 70 Companies for Executive Women, National Association for Female Executives (2019)
  • 100% Score on the 2019 Disability Equality Index® (DEI®) Best Places to Work™
  • The Most Powerful Women in Banking and Finance, American Banker (2018)
  • 50 Best Companies for Diversity, Black Enterprise magazine (2018)
  • Best Companies to work for Women, WOMEN'S CHOICE AWARD® (2019)
  • Top Financial Companies, Professional Woman’s magazine (2019)
  • 2019 "Best-of-the-Best" Corporation for Inclusion, National Gay & Lesbian Chamber of Commerce (NGLCC) and National Business Inclusion Consortium (NBIC) (2019)
  • Best Companies for Dads, Working Mother magazine (2018)
  • 50 Best Places to Work for New Dads, Fatherly (2018)
  • Top Supplier Diversity Programs, Black EOE Journal (2019)
  • Top Employer, Black EOE Journal (2019)
  • Top LGBTQ+ Friendly, Black EOE Journal (2019)
  • 50 Out Front: Best Places to work for Women & Diverse Managers, DiversityMBA Magazine (2019)
  • Best of the Best for Top Disability-Friendly Companies, DIVERSEability magazine (2018)
  • Top Financial/Banking Companies, Hispanic Network magazine (2018)
  • Top 1000 Company Worldwide for Millennial Women, Mogul (2018)
  • Best Companies to work for Multicultural Women, WOMEN'S CHOICE AWARD® (2019)

Military & Veteran Support

  • Best of the Best Top Veteran-Friendly Companies, U.S. Veterans Magazine (2019)
  • Top Veteran Friendly Supplier Diversity Programs, U.S. Veterans magazine (2019)

Community Investments

  • Outstanding Community Reinvestment Act Rating
  • Silver Halo Award, Engage for Good (2018)
  • Laurie D. Zelon Pro Bono Award, Pro Bono Institute (2018)
  • Corporate Social Responsibility Leadership Award, Financial Services Roundtable (2017)
  • Corporate Citizenship Award, Pittsburgh Business Times (2017)

Environmental Sustainability

  • 100 Most Sustainable Companies, Barron’s (2018)
  • Leader in Climate Disclosure, Carbon Disclosure Project (2017)

Important Legal Disclosures & Information

All loans are provided by PNC Bank, National Association and are subject to credit approval and property appraisal. Terms and conditions of this offer are subject to change without notice.

equal housing lender

Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information.