Data sourced from internal PNC reporting showing $63,486,544 in actual funded grant dollar amounts for the period of Jan 1, 2022, to Dec 31, 2025.
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Our Commitment to Affordability
Over the last few years, we have issued over $63,000,000 in home loan grants to qualified borrowers helping make the dream of home ownership more affordable for thousands of PNC clients.[1]
In 2026, we’re strengthening our commitment to affordable home ownership by expanding down payment assistance and affordable lending programs.[2]
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Best Mortgage Lender, 2024 by Nerdwallet
January 2024
PNC is proud to be recognized as the 2024 Best Mortgage Lender by NerdWallet in multiple categories:
- First-Time Home Buyers
- FHA Loans
- Jumbo Loans
- Cash-Out Refinancing
- Home Equity Lines of Credit
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A PNC Mortgage Loan Officer can help determine eligibility for available down payment assistance programs. To qualify, borrower’s household income must be at or below 80% of the median household income for the metropolitan statistical area (MSA) or the financed property must be located in a low-or moderate-income census tract as designed by the FFIEC.
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"In less than 30 minutes” was substantiated by internal PNC reporting which showed that the online digital preliminary preapproval process had a median time from application start to submit of 28 minutes for 2024 for all clients that successfully received a preliminary preapproval letter.
PNC will make one or more soft credit inquires during the digital online preliminary preapproval process, which will not affect your credit score. If you later submit an application, a hard credit inquiry will be made which may affect your credit score.
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PNC's internal process for completing the pre-underwriting review typically takes 24 hours, while completing the underwriting review typically takes an additional 24 hours, which equates to 2 business days (when all required documentation has been provided by the client upfront).
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9 out of 10 statement is based on NPS data pulled from Jan 1, 2024 to Dec 31, 2024 for all internal client satisfaction surveys completed by PNC clients with funded home lending transactions (includes both purchase and refinance transactions and excludes home equity transactions). The data point utilized is the average % of positive promoters (scored PNC as either a 9 or 10 for the following question: “How likely are you to recommend your mortgage loan officer (person who consulted with during the loan consideration process and took your loan application) to a friend, family member or colleague?”. The average score of positive promoters for this question for this time period was 91%.
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PNC mortgage rates and fees being lower than the industry average was validated using 2022, 2023 and 2024 Federal HMDA data. Data assumptions include: both purchase and refinance funded home loans for all unit types where the transaction was a first lien across all product types and for all loan amounts. Data assumptions excluded: all opens lines of credit, reverse mortgage, balloon payment and business commercial loans (including exempt loan types in these categories) for all funded transactions. National average interest rates for 2022 were 4.65%, while PNC’s average was 4.10%. National average origination charges were $3,397, while PNC’s average was $2,253. National average interest rates for 2023 were 6.61%, while PNC’s average was 6.44%. National average origination fees were $3,965, while PNC's average was $2,232. National average interest rates for 2024 were 6.57%, while PNC’s average was 6.49%. National average origination fees were $3,822, while PNC's average was $2,107.
Digital pre-approval requires the assistance of a Mortgage Loan Officer. After the first part of the application process is complete, a PNC Mortgage Loan Officer will reach out to finish the remainder of the preapproval.
Carrier fees for data usage may apply.
All borrowers must satisfy all conditions outlined in a commitment letter issued in connection with an application for mortgage credit. Final loan approval and amount are subject to verification of loan data, property appraisal and underwriting conditions. Program terms are subject to change.
PNC, PNC HomeHQ, PNC Home Insight and Home Insight are registered service marks of The PNC Financial Services Group, Inc. ("PNC"). PNC has a pending patent application directed at various features and functions of Home Insight® Planner. All loans are provided by PNC Bank, National Association, a subsidiary of PNC, and are subject to credit approval and property appraisal. This information is provided for business and professional uses only and is not to be provided to a consumer or the public. This information is provided to assist real estate professionals and is not an advertisement to extend consumer credit as defined by Section 226.2 of Regulation Z. Programs, interest rates, and fees are subject to change without notice.
These articles are for general information purposes only and are not intended to provide legal, tax, accounting or financial advice. PNC urges its customers to do independent research and to consult with financial and legal professionals before making any financial decisions. This site may provide reference to Internet sites as a convenience to our readers. While PNC endeavors to provide resources that are reputable and safe, we cannot be held responsible for the information, products or services obtained on such sites and will not be liable for any damages arising from your access to such sites. The content, accuracy, opinions expressed and links provided by these resources are not investigated, verified, monitored or endorsed by PNC.
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