Lender in Michigan · HMDA 2025
PNC Bank, N.A. mortgages in Michigan
PNC Bank, N.A.'s 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
PNC Bank, N.A. originated 541 owner-occupied single-family loans in Michigan from 654 completed applications.
Its median conventional purchase loan costs were $3,850 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.50% (Michigan: 6.625%).
Loans in MI
541
of 654 applications
Denial rate
12.7%
Purchase · MI 7.8%
Rate spread
+0.09 pts
Conv. · MI +0.23 pts
Loan amount
$225,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 466 | 404 | 12.7% | 6.500% | +0.09 pts | $3,850 | $225,000 |
| Refinance | 124 | 90 | 25.0% | 6.125% | −0.21 pts | $4,450 | $185,000 |
| Cash-out refinance | 64 | 47 | 25.0% | 6.875% | +0.49 pts | $3,450 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where PNC Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cheboygan County | 8 | 6 | 2.7% |
| Lapeer County | 18 | 19 | 1.5% |
| Kalamazoo County | 21 | 32 | 1.0% |
| Van Buren County | 22 | 8 | 0.9% |
- PNC Bank, N.A. nationwide
- Michigan mortgage market
- PNC Bank, N.A. in Pennsylvania
- PNC Bank, N.A. in Ohio
- PNC Bank, N.A. in California
- PNC Bank, N.A. in Illinois
- PNC Bank, N.A. in Indiana
- PNC Bank, N.A. in Florida
- PNC Bank, N.A. in Texas
- PNC Bank, N.A. in New Jersey
- PNC Bank, N.A. in North Carolina
- PNC Bank, N.A. in Kentucky
- PNC Bank, N.A. in Maryland
- PNC Bank, N.A. in Virginia
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology