PNC Bank Mortgage
Borrowers wanting a large-bank, full-service mortgage experience with FHA, jumbo, or HELOC options.
Rate-sensitive shoppers who need transparent, published APR comparisons before engaging a lender.
PNC's mortgage page functions more as a product directory than a rate sheet — there is not a single interest rate or APR published anywhere in the provided page text. That's a meaningful friction point at a moment when the Fed Funds Rate sits at 3.63% and borrowers are acutely focused on where mortgage rates land relative to that benchmark. Our database does not carry a verified APY for this product, meaning PNC is effectively invisible in any automated rate-ranking we run for consumers. On the positive side, PNC earned NerdWallet's 2024 Best Mortgage Lender designation across five categories — first-time buyers, FHA, jumbo, cash-out refinance, and HELOC — signaling genuine product breadth and servicer quality. Its online toolset (Home Insight Planner, Affordability Calculator, Application Tracker) is more robust than many regional peers in our database. However, the absence of published rates forces shoppers into a lead-generation funnel before they can make an apples-to-apples comparison. In today's rate environment, where even small differences in mortgage APR translate to tens of thousands of dollars over a loan's life, that opacity is a real consumer cost. We recommend using PNC's Affordability Calculator as a starting point, then benchmarking any quoted rate against our live mortgage rate table before committing.
Request a Loan Estimate (federal form) to compare the full APR, not just the rate. Confirm all origination fees and closing costs.
Jun 10, 2026
SwitchWize Research Desk · methodology
- No monthly maintenance fee
- FDIC insured up to $250,000
| Loan Type | APR |
|---|---|
| 30-Year Fixed | 6.47% |
| 15-Year Fixed | 5.68% |
Call PNC's Home Lending Center (1-855-744-2668) Mon–Fri 8am–10pm ET or Sat–Sun 8am–5pm ET, or find a local Mortgage Loan Officer online. You can also use the Home Insight© Planner to estimate affordability before applying.
PNC's mortgage page functions more as a product directory than a rate sheet — there is not a single interest rate or APR published anywhere in the provided page text. That's a meaningful friction point at a moment when the Fed Funds Rate sits at 3.63% and borrowers are acutely focused on where mortgage rates land relative to that benchmark. Our database does not carry a verified APY for this product, meaning PNC is effectively invisible in any automated rate-ranking we run for consumers. On the positive side, PNC earned NerdWallet's 2024 Best Mortgage Lender designation across five categories — first-time buyers, FHA, jumbo, cash-out refinance, and HELOC — signaling genuine product breadth and servicer quality. Its online toolset (Home Insight Planner, Affordability Calculator, Application Tracker) is more robust than many regional peers in our database. However, the absence of published rates forces shoppers into a lead-generation funnel before they can make an apples-to-apples comparison. In today's rate environment, where even small differences in mortgage APR translate to tens of thousands of dollars over a loan's life, that opacity is a real consumer cost. We recommend using PNC's Affordability Calculator as a starting point, then benchmarking any quoted rate against our live mortgage rate table before committing.
What is the difference between a mortgage interest rate and APR?
The interest rate is what the lender charges to borrow the principal. APR (annual percentage rate) folds in lender fees, origination charges, and points into one comparable number. Always compare APR when shopping lenders — a low rate with high fees can cost more than a slightly higher rate with lower fees.
What credit score do I need to qualify?
Most conventional mortgages require a minimum 620 FICO score; FHA loans allow as low as 580 with 3.5% down. Higher scores unlock lower rates — a 40-point difference can shift your rate by 0.25–0.50%.
How long does mortgage underwriting take?
Most purchases close in 30–45 days from application; refinances typically take 30–60 days. A pre-approval (full credit and income check) can be done in 1–3 business days at most lenders.
Rates are sourced from Bankrate and verified by SwitchWize. SwitchWize may earn a referral fee when you click through to a partner. Content is for informational purposes only and does not constitute financial advice. Verify current rates directly with the institution before opening an account.