PNC Bank, National Association

61,280 mortgages originated in 2025 across 38 states, and what they cost borrowers.

Loans originated

61,280

Median rate

7.690%

Median lender fees

$4,744

Median loan amount

$105,000

Median spread over APOR

0.343

Paid discount points

11.4%

Received lender credits

12.8%

Purchases / refinances

18.2% / 29.8%

Conventional / FHA / VA

98.8% / 0.9% / 0.4%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 20.3% of loans here — see methodology.

Where PNC Bank, National Association lent

States with at least 50 loans in 2025, ranked by volume.