Advertiser disclosure
PNC Bank Mortgage Review 2026
Last updated on June 3, 2026
Written by
Lead Writer & Content StrategistCo-written by
Contributing WriterWritten by
Lead Writer & Content StrategistCo-written by
Contributing WriterMany or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Why trust NerdWallet
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Our Take
5.0
Home loans overall
NerdWallet rating
The Nerdy headline:
PNC Bank, highly rated for jumbo loans, has solid options for budgets large and small. The PNC Community Loan for low income borrowers requires just 3% down with no private mortgage insurance. PNC’s APRs tend to be middle of the road, according to federal data. A good pick for first-time home buyers seeking a streamlined digital experience.
Jump to:Full Review
PNC Bank: NMLS#446303
Min. credit score
620
Min. down payment
3%
Loan types and products
Purchase, Refinance, Home Equity, Jumbo, Fixed, Adjustable, FHA, VA, USDA
Pros
- Solid variety of mortgage types, both standard and harder-to-find.
- Online rate quotes are informative and easy to customize.
- Offers down payment grants and no-PMI loans for low-income borrowers.
Cons
- HELOC and construction/lot loans not available in all states.
- In-person service not available in all states.
Lender | Min. credit score | Min. down payment | |
|---|---|---|---|
 Visit Lenderat NBKC at NBKC | 620 | 3% | Visit Lenderat NBKC at NBKC |
 Visit Lenderat New American Funding at New American Funding | N/A | N/A | Visit Lenderat New American Funding at New American Funding |
 Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC | 580 | 3.5% | Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC |
 4.0 Visit Lenderat GO Mortgage at GO Mortgage | 620 | 3% | Visit Lenderat GO Mortgage at GO Mortgage |
 Visit Lenderat Veterans United at Veterans United | 620 | 0% | Visit Lenderat Veterans United at Veterans United |
Full Review
At a glance: PNC mortgage options
PNC is a large national bank based in Pittsburgh. Home loans are available nationwide. Some specialty products (like construction loans and PNC’s home equity line of credit) aren’t available in all states, so you’ll want to read the fine print on the lender’s website.
🏠 Common mortgages
• Fixed- or adjustable-rate
• Conventional
• FHA
• VA
• Jumbo
• Rate-and-term refinance
🔑 Specialty loans
• Interest-only mortgages
• Co-op mortgages
• Nonwarrantable condo
• Loans for vacation/second homes
• Self-employed mortgages
• Doctor loans
• ITIN loans
• Construction-to-permanent loans
• Conventional loans for manufactured homes
💵 Home equity
• HELOC
• Home equity loan
• Cash-out refinance
PNC Bank special offers and discounts
PNC offers several ways to make homebuying more affordable. They include:
- Grant assistance: Borrowers who meet income and location requirements could qualify for a Low Income Grant (up to $2,500); a Low-to-Moderate Income Borrower Grant (from $3,000 to $5,000); or a larger PNC Grant (from $5,000 to $15,000).
- Discount points: PNC provides a 1% pricing promotion for qualifying borrowers in the form of discount points. The funds can be used toward a down payment, closing costs, escrow payment or to lower the interest rate.
- PNC Community Loan: For low-income borrowers in certain locations, this loan requires just 3% down with no private mortgage insurance.
What does PNC Bank specialize in?
A lender’s experience with your loan type can make a big difference. We looked at recent federal data to find the types of mortgages PNC Bank handles most often. Most of its purchase loans are conventional, but PNC Bank also handles a decent amount of jumbo loans, too.
How we score PNC’s home loans
Like to read the fine print? We do, too. Each year, NerdWallet writers and editors review the latest data and research on mortgage lenders, including federal data, and use a consistent method to score them based on what matters most to borrowers.
PNC Bank earned a 5-star home loans overall rating from NerdWallet. Here’s how that score breaks down across our five weighted subcategories.
Average
Rates and fees (30%)
Rates and fees determine how much a loan will cost you overall. NerdWallet reviews the latest federal data to score each lender’s average APR spread — a measure that combines interest rates and fees. A higher score means lower typical costs compared to other lenders.
Good
Product accessibility (20%)
We evaluate how widely available a lender’s products are across the U.S. and how accessible they are to different financial profiles. A higher score means broader availability and more flexible requirements. A lower score means fewer options or stricter requirements.
Good
Customer experience (20%)
We evaluate customer experience by testing and reviewing features like the online application, mobile app, and availability of phone or chat support. A higher score means a smoother, more convenient experience and easier access to help. A lower score means more friction or fewer support options.
Average
Loan variety (15%)
We evaluate loan variety based on the range of home loan types a lender offers. A higher score means more options, while a lower score means a more limited selection.
Excellent
Rate transparency (15%)
We review how clearly lenders share rate information on their websites, including sample rates and tools to estimate personalized rates. A higher score means it’s easy to find clear, comprehensive details and compare rates. A lower score means less information is available, often requiring you to contact the lender.
🤓
NerdWallet’s ratings are objective and well-researched (we have the spreadsheets to prove it). But choosing a mortgage lender isn’t just about a star rating or a score breakdown. It’s also about finding the right lender for your unique situation. So yes: you can learn a lot from how the mortgage Nerds scored PNC’s home loans. But you’re the expert when it comes to the features of your own best-match mortgage lender.Nerdy Tip
PNC Bank mortgage reputation and customer experience
NerdWallet’s star ratings look at objective factors like rates, fees and loan options. To give you a sense of what the borrower experience is really like, we pulled the latest customer satisfaction scores from J.D. Power and Zillow and we contacted the lender’s customer support.
2025 J.D. Power U.S. Mortgage Origination Satisfaction Study
721
out of 1,000
Below-average satisfaction score: average = 760.
Mortgage origination covers the application through closing.
2025 J.D. Power U.S. Mortgage Servicing Satisfaction Study
595
out of 1,000
Just below-average satisfaction score: average = 596.
A mortgage servicer handles loan payments.
Zillow Mortgage Lender Customer Rating
4.96
out of 5
Excellent rating as of the date of publication.
Rating reflects more than 3,400 customer reviews.
PNC Bank mortgage customer service options
Here’s how you can get in touch with PNC. Branches are available in 27 states and Washington, D.C.
Ways to reach PNC Bank
Physical branches . . . . . . ✅
Phone support . . . . . . . . . ✅
Mobile app . . . . . . . . . . . . ✅
Online chat (bot) . . . . . . . ✅
Online chat (human) . . . . ✅
🤓 Our Nerds say... a neighborhood bank with solid technology
Abby Badach Doyle, lead writer, mortgages
Living in Western Pennsylvania, I’ve seen PNC grow from a regional bank to a major player, mostly through a series of acquisitions starting in the early 2000’s. Its charitable foundation and local sponsorships preserve that neighborhood bank feel, even as its footprint has grown. In-person service may or may not matter to you when getting a mortgage, and that’s OK. Like many millennials, I’d rather use a well designed mobile app than stop in at a local branch. PNC offers both, which broadens its appeal.
» MORE: How to apply for a mortgage
Alternatives to a PNC Bank mortgage
Our biggest tip: Get offers from at least three different mortgage lenders. Comparison shopping can save you thousands of dollars. You can get rate quotes yourself, or work with a mortgage broker to shop around on your behalf.
Northpointe Bank also offers down payment assistance to qualified first-time home buyers, as well as repeat buyers who haven’t owned a home in the past three years.
If you’re looking for a jumbo loan, Chase is also highly rated for jumbo loans and has about 5,000 branches nationwide.
More from NerdWallet
Methodology
NerdWallet rates mortgage lenders based on what matters most to borrowers: rates and fees, product accessibility, customer experience, rate transparency and the range of loan options.
We review more than 40 lenders and score them using a weighted system that prioritizes affordability and a smooth borrowing experience. Lenders earn higher scores for offering lower borrowing costs, making loans widely available, clearly displaying rate information and supporting borrowers from application through closing.
We use a mix of lender-provided information, publicly available data and our own research and analysis to evaluate each lender. Recent regulatory actions may affect a lender’s score.