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5.6

Overall Score

LAST UPDATED: September 15th, 2022

PNC Bank, founded in 1852, is one of the 10 largest banks in the United States. The bank offers personal, business, and corporate banking solutions. PNC personal banking includes a variety of borrowing options, including mortgage purchase and refinancing.

PNC offers both fixed and adjustable rate mortgage options, and provides various tools and resources for homebuyers on its website.

Continue reading to learn more about this lender or jump down to read PNC mortgage reviews from real customers.

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The Good

  • Online Application
  • PNC Mobile App
  • Online Homebuyer Tools and Resources

Online Application

PNC makes it easy to apply for a mortgage by keeping the application process entirely online. With the online PNC mortgage application you can view rates, estimated monthly payments, and closing costs before applying. In addition, you can easily track your progress throughout the application and ensure that you never miss an important update.

While an online application makes it easier and faster to close on a home loan, you can be paired with a PNC loan officer who can answer your questions and guide you through the mortgage process, if needed.

PNC Mobile App

PNC offers both online banking and a mobile app making it easier to keep track of your banking if you are an existing customer. And you can also manage your mortgage online and through the app.

Online Homebuyer Tools and Resources

On its website, PNC provides a variety of homebuyer tools and resources, including mortgage calculators and basic resources for first-time homebuyers, including the following mortgage calculators:

  • Fixed Rate Payment Calculator
  • Home Affordability Calculator
  • Fixed vs. Adjustable Rate Calculator

These calculators can be particularly useful because PNC doesn't provide updated mortgage rates on its site. With the help of a calculator, you can see personalized rate estimates that can help you get an idea of what your monthly payment will be throughout your mortgage term.

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The Bad

  • Undisclosed Interest Rate
  • Limited Website Information

Undisclosed Interest Rate

PNC has not disclosed mortgage interest rates on its corporate website. Consumers who would like to find out more must contact the company for further information.

Limited Website Information

PNC doesn't provide clear information on its website, including available loan types, credit score requirements, or fees. If you would like more information, you will likely need to contact a PNC Bank representative or speak with your loan officer if you have already started the PNC mortgage process.

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The Bottom Line

PNC Bank offers mortgage purchase and refinance options. It sets itself apart from other mortgage lenders with its mobile app, allowing borrowers to more easily manage their mortgage and monthly payments. In addition, if you are an existing PNC customer, the mobile app allows you to easily manage all of your finances in one place.

Information is limited on the PNC website, so it is unclear exactly what loan types are available and what kind of mortgage rates you can expect. 

PNC mortgage reviews are currently limited, and so we're unable to provide an accurate recommendation of this company based on customer sentiment. But current reviews are primarily positive with 4.5 out of 5-star sentiment criteria ratings.

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Star Rating

4.1

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24 Reviews

Review Breakdown

5 grade

63%

4 grade

8%

3 grade

8%

2 grade

13%

1 grade

8%

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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Tomas Tovias El Paso, TX

Having my Mortgage with PNC had been amazing my payment comes out of my PNC account and I received a discount being a PNC banking customer

2 weeks ago

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Morgan Welch Brandon, FL

I have been with PNC for eight years now and have not had any major problems. Any issues that arise they take care of it for me with no problem. I have a variety of accounts with them and they make it easy to manage them. Being that they are my longest financial institution I have looked at their interest rates but they do not compare to other banks and credit unions with lower interest rates for mortgage loans

3 months ago

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Rebecca Carnahan Orlando, FL

I had to jump through hoops to get a loan with PNC. They asked for the same information more than once. One of the guys I dealt with during the process was great but the other one was kinda a jerk. Their website is not user friendly and when I called with a question she did not give me an answer I understood.

2 months ago

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Noa Ranoa Encinitas, CA

They or I just switched from BBVA. So far the customer service is A+! I like being treated like a dude with some money. I might of over reacted a couple occasions but they still treated me appropriately. I appreciate them.

9 months ago

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Giovanni Saputo Macomb, MI

PNC got my business because they are friendly and willing to work even at the end of the business day. They have taken good care of me and have never rushed me.

8 months ago

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Corryn Moore Newport News, VA

PNC has been a wonderful mortgage company for the past 13 years. They even found a way for us to refinance with no extra fees or checks. I appreciate their helpful and kind customer service reps and they are helful when you need assistance .

1 year ago

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Dee Farquharson Washington, DC

They made the application process easy and less intimidating. They were able to list our exactly what I qualified for and how I could improve my score for a higher loan amount. Even after i cleaned up some loose ends on my credit, it was at that point I was told my student loans would affect my amount (after I was already issued a loan amount BEFORE cleaning up my credit). The amount given was reduced by about 40% ;;it was hard to work with in the DC area.

3 years ago

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GREGORY MC LENDON San Jose, CA

From my initial call online to the follow ups I had to do in order to get answers. It was not worth the efforts for the results we got

2 months ago

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Wanda Upper Marlboro, MD

PNC failed to provide all the information needed for me to get through a financial crises resulting in getting behind on my mortgage payments. Representatives were not sensitive to my dilemma and most were on the verge of rude. Instead of working with me to save my home, they seemed to be determined to foreclose on the property. I filed Chapter 13 Bankruptcy in order to pay all the back payments and keep my home. This was very disappointing because I have been with PNC for many many years! I am 3 years of a 5 year payoff plan. A few days ago U received a copy of the documents ONC sent to the courts requesting to keep the foreclose docket open until after the bankruptcy. I have never heard of such!!

1 year ago

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Mary Goodson Atlanta, GA

They dont seem to care much about security. I have been getting the email receipts for another mortgage payment, complete with all their banking information for over a year. I have tried, in vain and with much discord from PNC, to resolve this. I keep getting transferred around and no one will take responsibility for this error nor do anything to resolve it. I truly feel sorry for the person they are screwing over and made every effort to find them also but to no avail. I would NEVER trust this institution with my personal data!

1 year ago

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Cathy T Fayetteville, NC

3 out of 10 contacts of PNC were wonderful! That is who is earning PNC a star. Branch Mgr Toby, CSR-Shelly, and the absolute best-Khalia ( the only Rep that told me about a Hardship Application) ! Regretfully, CSR Leanna, Sr. Mtg. Loan Originator Joseph R. provided horrible service. Leanna went out of her way to preventing me from receiving a time sensitive form I needed to process a mtg. Pymt while going through a hardship. Joseph R. processed est. Refinance worksheets that ignored all the terms for a Streamline refinance which would of overcharged me thousands on my mortgage. The absolute worse was seeking help from Jane H.-Asst. V. P. , She sent a 2 line email stating she was happy to help- 14 days later she responds with no resolutions, no suggestions, never even reviewed my account. She did share that she had 60 days to reply to me and CFPB, and she just got back from Vacation. The scary, stressful hardship I was trying to navigate through and get help from a company I paid over 17 years -proudly responded with I went on Vacation and I will take 2 months before I bother trying to help you! The first and only time I reached out to this bank about saving my largest investment, while dealing with a Covid related hardship- the Asst. VP, went on vacation and over a month, I still have not received any guidance or resolutions. from PNC. The lack of empathy and bold disregard explains a lot why poor service happens 7 out of 10 times. My sincerest gratitude for the 3 positive ( Toby, Khalia, and Shelly) employees that offered assistance!

1 year ago

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Jane Milton Reidsville, NC

Love The ATM Fees-Always Able To Access Customer Service. Great Bank Practices.

4 months ago

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Kathleen Sloan

Excellent. They took good care of me. I borrowed from them twice including under the name of Trustcorp Mortgage

2 years ago

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Brenda McLaren

I have had numerous mortgage loans with PNC. They are easy to work with, friendly, and professional.

4 years ago

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Michael Kline Phoenix, AZ

Very comfortable with my loan. Treated very fairly. Great Customer service, very nice Tellers at my bank!

10 months ago

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JAMES FLETCHER Woodbridge, VA

I have been extremely pleased with PNC. They do an excellent job following up on customer request and providing great service.

1 year ago

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Heather Walker Saratoga Springs, UT

The website is a little clunky but gives us all the information we need to keep tabs on our mortgage. Setting up auto payments can be tricky if too close to the payment date but other than that our experience has been good.

4 years ago

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Marlene A Thomas Ypsilanti, MI

They gave me a great low interest rate, that I can work with.

4 years ago

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Tracy Wilson

They're very easy to work with and fair to work with as well

4 years ago

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Leonard R Garner Jr

I did a refi with them and have been very happy with them.

2 years ago

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Evelyn

They are very easy to work with

2 years ago

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Anonymous Westminster, MD

Tends to see me as a person not an object

4 years ago

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Kevin

great customer service, quick processing, and good rates

4 years ago

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Stan & Cami Lero Akron, OH

We are a current customer of PNC for our family owned business. When refinancing our home their rates were higher than most others.

1 year ago