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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.


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.


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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24 Reviews

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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