Welcome to PNC Bank

We are glad to have you as a new customer and want to make your mortgage transfer to PNC as easy and seamless as possible.

We are glad to have you as a new customer and want to make your mortgage transfer to PNC as easy and seamless as possible.

Welcome to PNC Bank

We are glad to have you as a new customer and want to make your mortgage transfer to PNC as easy and seamless as possible.

Proud to Be Recognized Nationally

Bankrate Awards 2023 Best Mortgage Lender Overall
Best Mortgage Lenders CNBC Select 2023
NerdWallet (2023) Best Mortgage Lenders

September 2023

For more nearly 160 years, we have been committed to providing our clients with great service and powerful financial expertise to help them meet their financial goals.


Your mortgage has been transferred to PNC, here's what you need to know:


Mortgage transfers are common and will not affect the original terms and conditions of your mortgage. There will be no impact to your payment due date.


PNC will mail a Welcome Packet 7 days prior to your mortgage transfer with important information.

If your Welcome Packet has not arrived by the transfer date, you may contact us at 1-800-822-5626 with any questions.

Here's what's included in the Welcome Packet:

  • Notice of Servicing Transfer
    This is the official legal notice informing you that the servicing of your mortgage loan is transferring to PNC. It includes your new account number, so keep it handy.

  • Automated Payment Information
    If you were previously enrolled in Automated Payments with your prior servicer, it is important that you immediately sign and return this Automated Payment Authorization Form. See Payments section for additional payment options.

  • Mortgage Servicing Transfer Checklist
    This guide walks you through the mortgage transfer process, including key steps like making your first payment to PNC.

  • Privacy Policy
    This document outlines what personal information we collect, how we protect it and why we sometimes share it.

Looking for key dates of services on your mortgage account?

To find your transfer date, please refer to PNC's Welcome Packet sent via US Mail.

Select the date your mortgage is transferring to PNC:

January 1st, 2024

March 1, 2024

June 1st, 2024

For all other dates, please refer to the


Make sure you cancel the automated bill pay to your prior servicer.

  • The Notice of Servicing Transfer letter PNC mailed to you includes instructions on how to make your first mortgage payment to PNC following the servicing transfer.
  • During the 60-day period following the servicing transfer, PNC will not treat any payment received by the prior servicer on or before the due date as late for any purpose.

  • Your previous servicer will forward your payment to PNC for at least 60 days following the transfer of your loan servicing. 
    • This transfer may result in a delay in your payment posting to your account. Please do not make an additional payment with PNC unless you have confirmed your previous payment has not cleared and you have a stop payment on the payment.
  • During this time, PNC will not treat any payment received by the prior servicer on or before the due date as late for any purpose.
  • Payments received by the prior servicer more than 60 days after the servicing transfer date may be returned to you by the prior servicer.
  • If you inadvertently send your previous servicer a payment due to PNC, your previous servicer will forward your payment to PNC for at least 60 days following the transfer of your loan servicing.

How to manage your payments

Please refer to your Welcome Packet for information about the transfer of your Automated Payment arrangement.

  • Good news – the date your automated payments are made won’t change with the transfer of your mortgage to PNC. It is possible that your first automated payment to PNC may be delayed by up to seven business days, but you will not be charged a late fee for this one-time payment delay and it will not be reported to the credit bureaus.
  • It is important that you immediately sign and return the Automated Payment Authorization Form enclosed in your welcome packet.
    • PNC will continue to automatically draft your loan payments as was previously performed by your prior servicer for a period of time after transfer. If we do not receive the returned Automated Authorization Form that was enclosed in your welcome packet within 120 days, PNC will discontinue your automated payment.

Also applicable if you do not currently take advantage of automated payments

Online Banking

Make a payment to your account using PNC Online Banking. You can schedule one time or recurring payments.

  • Log in to Online Banking
    • Access your mortgage account
    • Click Make a Payment
    • Select the appropriate payment option
    • Select a “From” account. If you’re making a payment from a non-PNC account, you’ll need the bank routing number and account number to add the external account.
    • Enter your payment details

Enroll in Automated Payment Program

  • To sign up for our free Automated Payments Program and have your loan payments automatically deducted from your checking or savings account, including accounts at other banks, download the Automated Payment Authorization Form.
  • Complete, sign, and return this form by mail, fax, or to a PNC branch using the instructions provided on the form

Pay by phone

  • Call PNC Mortgage at 1-800-822-5626 to make a payment

All other payment options

  • PNC offers many ways to make a payment without a fee, please review our payment options site for a list of ways you can make a payment.
    • Note: Some payment options such as phone pay may not be available for 2-3 business days following the transfer date. Payments received during this time may not immediately appear in the loan history but will be applied with an effective date of the actual date received and will not be considered late.

PNC Online Banking

PNC Online Banking allows you to manage your account with convenience and ease.

Enroll in PNC Online Banking

To get started, you will need:

  • Social Security Number (SSN)
  • PNC Account Number
  • One of the following:
    • PNC Visa Debit Card PNC
    • Online Access PIN
    • Mobile or Phone number to receive a one-time passcode
      • This option is only available if there is a phone number associated with your PNC account

You are encouraged to enroll in PNC's optional Online Banking service, which allows you to:

  • Get organized and save paper with paperless statements
  • Setup account alerts to stay informed
  • Schedule payments for your mortgage account
  • Access mortgage documents such as your escrow statements and year-end tax statements (form 1098)


If you have an escrowed loan

  • Your escrow balance will transfer automatically.
  • Your tax and insurance information will also transfer and payments will continue to be disbursed from your escrow account timely.
  • If PNC needs any tax or insurance information from you, we will reach out to you for this information.

If you have a non-escrowed loan

  • You will not need to establish an escrow account with PNC at this time, and you will continue to be responsible for your property taxes and/or insurance.

  • PNC will analyze your escrow account on an annual basis to ensure that we are collecting enough to fund your escrow account for the taxes and/or insurance that we anticipate to disburse over the next year.
  • We may have to run an off-cycle analysis in your first year after your loan has transferred as we move your loan into its annual analysis cycle with PNC.
  • PNC includes a two-month escrow cushion in our analysis calculations when allowed by state law.  This is done to ensure that your escrow account is funded for any unexpected increases in taxes or insurance over the next year. 
  • If you are aware of a change to your property tax amounts or insurance premiums, you can contact PNC to have this information researched and your escrow account collection updated through an off-cycle analysis.

  • PNC does allow for full or partial escrow deletion if your escrow account meets eligibility requirements.
  • If you are interested in deleting your escrow account, please contact PNC and we will review your account for eligibility.
  • PNC does have requirements that must be met before your escrow account can be deleted.  These requirements may not pertain to all circumstances.
  • If the escrow account is eligible for full deletion, PNC will send you a consent form that must be signed by all borrowers on the account and returned to PNC.
  • PNC assesses an escrow deletion fee for a full escrow deletion in most states.  This is equal to 0.25% of your loan's unpaid principal balance and this is calculated when the consent letter is issued. This fee must be paid before a full escrow deletion can be processed.  An escrow deletion fee is not assessed for a partial deletion.
  • If your escrow account has a negative balance (advance), the account will need to be brought to a zero balance before an escrow deletion can be processed.
  • If your escrow account has a positive balance and the account is being closed, the escrow balance will be refunded to you.

Taxes and Insurance

If your loan is not escrowed for tax payment through PNC, you should pay the amount due to the taxing authority listed on your bill. If your loan is escrowed and the tax bill you received has not been paid, please write your loan number on the bill and send it directly to our Tax Department via mail or fax.

Mailing Address

PA Customers
Tax Department-0046586
PO Box 961242
Ft. Worth, TX 76161-9839

Non-PA Customers
PNC Financial Services
PO Box 9244
Coppell, TX 75019

Fax Number

Mortgagee Clause

PNC Bank, National Association ISAOA ATIMA PO Box 7433 Springfield, OH 45501

Homeowner’s and Flood Insurance

For information related to your insurance, visit mycoverageinfo.com, PIN: PNC43.

Insurance Customer Care

Questions about your insurance, call our PNC Bank Insurance Processing Center at 1-888-229-5429, Monday - Thursday, 8:00 AM - 9:00 PM, Friday 8:00 AM - 5:00 PM and Saturday 9:00 AM - 2:00 PM (Eastern Time).



Letter of Map Amendment / Letter of Map Revision - Based on Fill Tutorials | FEMA.gov

Loss Claims

File a Claim

You can contact us:

  • Online at InsuranceClaimCheck - Home
  • By Phone: 1-800-245-1730.
    • Monday - Thursday, 8:00 AM - 9:00 PM, Friday 8:00 AM - 5:00 PM. (Eastern Time)

Request Inspection

You can order an inspection by accessing your account online.

You can contact us:

  • Online at InsuranceClaimCheck - Home
  • By Phone: 1-800-245-1730.
    • Monday - Thursday, 8:00 AM - 9:00 PM, Friday 8:00 AM - 5:00 PM. (Eastern Time)

Property Loss Address

PNC Bank N.A.
Attn:  Loss Claims Department
P.O. Box 6501
Springfield, OH 45505-6501

PMI (Private Mortgage Insurance)

Remove my PMI (Private Mortgage Insurance)

  • Single family dwelling mortgage loans secured by a primary residence and closed after July 29, 1999 are covered under the Homeowner’s Protection Act of 1998 (HOPA). The Act gives customers the right to request PMI deletion once the Loan to Value (LTV) ratio reaches 80%. Cancellation will automatically occur when the loan reaches an LTV ratio of 78% under its original amortization schedule, provided all loan payments are current.
  • If you feel your loan qualifies for PMI deletion, please send a written request to the PNC Bank address listed below, so your request can be reviewed accordingly. PMI deletion requires a good pay history: no payment may be 30 or more days late in the past 12 months, and no payment may be more than 60 or more days late in the past 24 months. You may be responsible for the costs of an appraisal.
    • PNC Bank
      Attention: PMI Department B6-YM13-01-5
      PO Box 8736
      Dayton, OH 45401-8736
    • Or call the Customer Care Team at 800-822-5626

Optional Insurance will not transfer to PNC.

If you wish to maintain this optional coverage, contact your insurance provider to inquire about direct billing.

Home Lending Products

Get Started Finding a Home

The PNC Home Insight® Planner can help you find the home that fits you and your budget, determine a mortgage payment that you can afford, based on your actual budget and lifestyle, or start shopping for homes with real-time rates and loan products.

You can also use our calculator to calculate your potential mortgage payment.

Refinance with PNC

You can learn more about refinancing and check out current rates at pnc.com/RefiRates. If you’re ready to to get started, please call 1-855-744-2676 and find out how much you can save today.

Start the Home Refinance Process
You can use the PNC mortgage refinance page to help determine where to get started and what steps you could take.

You can also use our calculator to calculate your potential savings.

Home Equity Line of Credit

The PNC Choice Home Equity Line of Credit (CHELOC) page can help you determine if a home equity loan is right for you.

In addition, you can use our home equity calculator to help determine your potential rate and payment.

Just Getting Started?

Explore PNC’s Home Lending Headquarters page to learn more about PNC’s home lending products, and which one could potentially be the best fit for your needs

Who We Are

As an award-winning, national lender and servicer of residential mortgage loans,
we are committed to providing exceptional customer service.

More than 2,300

Retail Banking Branches

Nearly 1,000

 Experienced Mortgage Professionals

Approximately 60,000

PNC and Partner ATMs

Speak with Mortgage Transfer Team

Our mortgage professionals are here to help
– now, or if your needs change in the future.

Call Us

Mon – Fri: 8:00 a.m. – 9:00 p.m. ET
Sat – Sun: 8:00 a.m. – 5:00 p.m. ET