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LAST UPDATED: June 20th, 2023

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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25 Reviews

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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!!

2 years ago


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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

1 year ago Edited July 19, 2022


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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.

2 years ago