Responsible Lending & Mortgage Practices

In 2016, PNC originated $10.6 billion in residential mortgage loans to those purchasing a new home or refinancing a current home.

We are committed to supporting homeownership for low- and moderate- income borrowers and 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. Furthermore, our portfolio mortgage product, PNC Community Mortgage, offers flexible underwriting guidelines and a reduced cost structure for prospective borrowers.

Over the past three years, we have helped more than 58,000 low- to moderate-income borrowers purchase, refinance or improve their homes.

In the past year, PNC began to redesign its consumer lending processes and technology through a multi-year home lending transformation project. Our goal is to deliver a seamless home lending experience for our customers by integrating our residential mortgage and home equity lending on a common platform. We will continue to offer the products and services customers want - with the precision and speed they rightfully expect - well into the future. With this long-term effort, we plan to drive both efficiency and growth over time.

As part of this project, we have contracted with Black Knight Financial Services to implement its mortgage originations technologies and a state-of-the-art loan servicing platform, which will allow us to expand our products and services and enhance the customer experience. Work on these projects began in 2016 and will continue throughout 2017 and beyond.

As one of the nation’s top retail lenders and servicers of residential mortgage loans, we are committed to understanding our customers and offering them a variety of products so that they can choose an option that best meets their needs.

We understand, however, that life changes and other unexpected hardships can come in many forms and may affect a borrower’s ability to repay a mortgage loan.

We maintain numerous loss-mitigation and payment modification options, including forbearance, repayment plans, modifications, partial claims, short sales, assumptions and deeds in lieu of payment. Distressed homeowners are encouraged to contact PNC directly to discuss the right option for their individual circumstances.

So that PNC can continue to put customers at the center of the decision-making process, we are committed to preparing our mortgage employees for changes in the marketplace and regulatory environment. This preparation ensures that we can help customers make educated decisions that allow them to buy and stay in their homes.



in residential mortgage loans


Low- to Moderate Income Households

that we've helped since 2012 to purchase or refinance their homes

Together, We Prosper
2016 Corporate Social Responsibility

Summary of Our Efforts »
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Recognized for our Efforts

Corporate Awards & Recognition

High-Performance Franchise

  • Most Admired Companies (superregional banks), Fortune (2017)
  • Fortune 200 company (2016)

Diversity & Inclusion

  • "Best-of-the-Best" Top 30 Corporations for Inclusion, National Gay & Lesbian Chamber of Commerce/National Business Inclusion Consortium (2016)
  • One of the Best Places to Work for LGBT Equality, Human Rights Campaign (2016)
  • Top 50 Companies for Executive Women, National Association for Female Executives (2016)
  • Diversity Leader Award, Profiles in Diversity Journal (2015)
  • Top 10 Regional Companies for Diversity, DiversityInc (2016)
  • Top 25 U.S. ERG & Diversity Councils, Association of Diversity Councils (2015)
  • Top 50 Employers, CAREERS & disABLED (2015)

Employer of Choice

  • Great Workplace Award for Employee Engagement, Gallup (2016)
  • 100 Best Companies for Working Mothers, Working Mother (2016)
  • 2020 Women on Boards Winning "W" Company, 2020 Women on Boards (2015)
  • Best Employers for Healthy Lifestyles®, National Business Group on Health® (2015)

Military & Veteran Support

  • Top 100 Military-Friendly Companies, G.I. Jobs (2016)
  • Top Veteran-Friendly Companies, U.S. Veterans (2016)
  • Top 25 Military-Friendly Supplier Diversity Programs, National Association for Veteran-Owned Businesses (2016)


  • Community Reinvestment Award, Excellence in Cross-Sector Community & Collaboration Development for PNC’s Grow Up Great Early Education Initiative (2014)
  • U.S. Chamber of Commerce Foundation Corporate Citizenship Awards, Best Commitment to Education (2014)
  • Outstanding CRA Rating


  • Net-Zero Energy Certification (PNC's net-zero energy branch in Fort Lauderdale, Fla.), International Living Future Institute (2016)
  • Game Changer Award for Project Finance Innovation, Canadian Solar Industries Association (2016)
  • Leader in Climate Disclosure, Carbon Disclosure Project (2015)

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.