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.

What Makes Us Different
Makes Us Stronger.

2020 Corporate Responsibility

Summary of Our Efforts »

Download 2020 CR Report

Learn More About CR

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


  • Most Powerful Women in Banking, American Banker (2021)
  • Best Overall Bank for Students,, (2021-2022)
  • Best Private Banks, Global Finance World (2022)
  • No. 3 Paycheck Protection Program Lender in U.S. (2021)
  • U.S. Best Bank, Euromoney Awards for Excellence (2020)

Corporate Responsibility

Our Communities & Responsible Business Practices

  • Outstanding Community Reinvestment Act rating in every evaluation since the law was enacted in 1977
  • 100 Most Sustainable Companies, Barron’s (2022)
  • America’s Most Responsible Companies, Newsweek (2021)

Our Commitment to Diversity & Inclusion


  • 100% Score on Disability Equality Index® (DEI®) Best Places to Work™ (2021)
  • Top 50 Employers, Equal Opportunity Magazine (2021)
  • Top 50 Employers, CAREERS & the disABLED Magazine (2021)


  • Best Places to Work for LGBTQ+ Equality, Human Rights Campaign, for 10 consecutive years (2022)
  • Top LGBTQ+ Friendly, Black EOE Journal (2021)
  • Best-of-the-Best Corporation for Inclusion, National Gay & Lesbian Chamber of Commerce and National Business Inclusion Consortium, (2021)


  • Best of the Best Top Veteran-Friendly Companies, Top Veteran-Friendly Supplier Diversity Programs, U.S. Veterans Magazine (2021)


  • Gender-Equality Index, Bloomberg (2022)
  • Top Companies for Executive Women, Best Companies for Multicultural Women, Best Companies for Working Mothers, Seramount (2021)
  • 50 Out Front: Best Places to Work for Women & Diverse Managers, Diversity MBA Magazine (2021)
  • Top 70 Companies for Executive Women, National Association for Female Executives (2021)
  • Best Finance Companies for Women, Fairygodboss (2021)

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.