PNC Mortgage Review

ByKaty WardAug.17, 2021
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In a Nutshell

In operation for more than 160 years, PNC offers a range of financial products and mortgages for both purchases and refinancing. With a focus on helping local communities, the lender also provides specialist products for veterans, medical professionals, low-income customers, and others.


  • Loan rates available online
  • Grants of up to $5K towards closing costs for eligible customers
  • Digital pre-approvals


  • 24/7 phone support not available
  • No email address for customer support

PNC at a Glance

Direct lender or marketplace?Direct
Loan typesFixed-rate, adjustable-rate, jumbo loans, FHA, VA, community, rural housing, medical professional
Loan amount
  • Up to $548,250 on single-family loans and home refinancing
  • Up to $1 million on specialist products for medical professionals
Repayment terms10, 15, and 30 years
Minimum down payment3% on fixed/adjustable-rate deals
Minimum credit score620
Suitable forBorrowers with specialized needs

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Headquartered in Pittsburgh, PNC offers fixed and adjustable-rate mortgages to those with a credit score of 620 or above. Depending on the type of mortgage you need, you can choose a loan term of 10, 15, or 30 years. Should you need additional help, you may also qualify for a grant of up to $5,000 towards closing costs.

Suitable For?

Thanks to its impressive range of specialist products, PNC could be especially suitable for those unable to secure a conventional mortgage. The lender also offers digital pre-approvals, which could be helpful to borrowers in the early stages of purchasing a home.

Types of Loans/Products

As well as conventional fixed and adjustable-rate mortgage products, PNC provides home loans for veterans, medical professionals, those on a low income, and government-backed loans for residents in rural areas. 

Typical loan features include:

  • 10, 15, and 30-year loan terms
  • A 620 or above credit score requirement
  • Minimum 3% down payments (fixed and adjustable-rate mortgages)

Be aware that some of these features may differ on the lender’s specialist products.

If you meet certain income requirements, you may also qualify for PNC’s closing cost assistance program, which offers grants of up to $5,000 for eligible individuals. You can find out more information about this scheme on the company’s website.

The Application Process

PNC’s application process follows these 5 typical steps:

  1. Select a loan type
  2. Confirm your interest rate/decide whether you’d like to lock in this rate
  3. Receive a loan estimate
  4. Make contact with PNC’s advisors
  5. Schedule a closing

During the application process, you’ll need to provide information such as:

  • Pay stubs for the past 30 days
  • Original bank statements for the past 3 months
  • W-2 forms for the past 2 years

Although the application timeframe varies depending on your circumstances, you could expedite the process by obtaining an online pre-approval, which takes around 20-30 minutes.

Repayment Terms

PNC offers fixed and adjustable-rate mortgages with 10, 15, and 30-year terms, while its jumbo loans are available with 15 and 30-year terms.

For an indication of the interest rates you’re likely to pay, you’ll need to enter your loan type, loan amount, and zip code into the site’s online calculator.

We entered the details of a $200,000 purchase loan in New York and received an interest rate of 2.875% on a 30-year fixed-rate deal and 2.125% on a 15-year fix.

Help & Support

If you have questions about your mortgage, you can contact PNC by phone, through an online query form, or via Twitter.

Its customer service hours are 8 am to 9 pm (ET), Mondays to Thursdays, 8 am-5 pm on Fridays, and 9 am-2 pm on Saturdays.

T: (800) 822 5626


If you’re looking for a lender that offers a comprehensive suite of mortgage products, PNC may well be the right choice for you. Although its customer service team isn’t available 24/7, we received a polite and prompt response when we contacted the lender. The company also publishes its live rates on a daily basis, which puts it at a considerable advantage over some of its competitors.


Can I manage my mortgage online?

Yes, you can manage your mortgage through an online account 24/7.

How can I find a loan officer?

You can find a loan officer in your region by entering a few personal details and your zip code into the company’s website.

Can I receive paperless statements?

Yes, you can arrange this through your online account.

Does PNC accept partial payments?

If you are experiencing financial difficulties, you should contact the lender to discuss your options, as it does offer assistance programs for those experiencing hardship.

Physical Address 

The Tower at PNC Plaza, 300 Fifth Avenue, Pittsburgh, PA 15222

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This review was compiled using information on the company’s website and by contacting its social media team.

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AboutPNC Bank
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PNC Bank
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