HMDA records
132,736
2025
Public institution profile · Bank · Not a recommendation
PNC Bank, National Association
BankWilmington, DEActive
FDIC certificate 6384
Data observedAugust 3, 2026Section records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- FDIC certificate
- 6384
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- 817824
- OCC charter number
- 1316
- Not published — no verified match
- Official website
- https://www.pnc.com
Verify at FDICVerify at FFIEC NIC / regulator
Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Bank
- Status
- Active
- Headquarters
- Wilmington, DE
- HMDA activity
- Published activity year 2025
- Listed branch locations
- 2,381
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- No published CRA result found
- Institution history
- 59 published events
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Bank
- Status
- Active
- Headquarters
- Wilmington, DE
- activity
- Published activity year 2025
- Listed branch locations
- 2,381
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- No published CRA result found
- Institution history
- 59 published events
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
132,736reported records
61,280reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
61,280
2025
Denials
32,449
2025
Withdrawals
12,221
2025
Denial rate among decisioned applications
33.8%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 132,736 | 61,280 | 2,180 | 32,449 | 12,221 | 33.8% |
| 2024 | 127,108 | 56,830 | 1,998 | 32,270 | 13,131 | 35.4% |
| 2023 | 132,468 | 66,913 | 2,276 | 35,038 | 15,843 | 33.6% |
| 2022 | 197,788 | 107,916 | 3,343 | 46,210 | 22,681 | 29.3% |
| 2021 | 173,932 | 94,877 | 2,292 | 33,603 | 25,895 | 25.7% |
| 2020 | 167,346 | 91,296 | 3,424 | 33,973 | 25,796 | 26.4% |
| 2019 | 159,942 | 91,533 | 2,891 | 30,959 | 20,811 | 24.7% |
| 2018 | 158,702 | 84,233 | 3,454 | 36,228 | 18,607 | 29.2% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 124,719 |
| FHA | 6,448 |
| VA | 1,451 |
| RHS / FSA | 118 |
| Home purchase | 29,817 |
| Home improvement | 36,610 |
| Refinancing | 28,276 |
| Cash-out refinancing | 4,835 |
State reporting
53 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Total CFPB mortgage complaint records
6,860
Coverage start
December 1, 2012
Data through
August 20, 2026
Annual activity
| Year | Complaint records |
|---|---|
| 2012 | 96 |
| 2013 | 908 |
| 2014 | 931 |
| 2015 | 695 |
| 2016 | 635 |
| 2017 | 460 |
| 2018 | 482 |
| 2019 | 345 |
| 2020 | 321 |
| 2021 | 359 |
| 2022 | 391 |
| 2023 | 343 |
| 2024 | 324 |
| 2025 | 311 |
| 2026 | 259 |
Leading issues
Loan modification,collection,foreclosure
None
1,746
Trouble during payment process
None
1,291
Loan servicing, payments, escrow account
None
1,174
Struggling to pay mortgage
None
507
Applying for a mortgage or refinancing an existing mortgage
None
330
View all issues (57)
Application, originator, mortgage broker
None
237
Closing on a mortgage
None
214
Trouble during payment process
Trying to communicate with the company to fix an issue while managing or servicing your loan
148
Trouble during payment process
Escrow, taxes, or insurance
144
Settlement process and costs
None
134
Trouble during payment process
Payment process
130
Credit decision / Underwriting
None
89
Struggling to pay mortgage
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
81
Incorrect information on your report
Account status incorrect
53
Struggling to pay mortgage
Foreclosure
53
Struggling to pay mortgage
Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
49
Other
None
45
Trouble during payment process
Fees charged
45
Trouble during payment process
Paying off the loan
42
Applying for a mortgage or refinancing an existing mortgage
Trying to communicate with the company to fix an issue with the application process
32
Struggling to pay mortgage
An existing modification, forbearance plan, short sale, or other loss mitigation relief
29
Trouble during payment process
Loan sold or transferred to another company
25
Applying for a mortgage or refinancing an existing mortgage
Application denials
24
Closing on a mortgage
Trying to communicate with the company to fix an issue with the loan closing
22
Incorrect information on your report
Account information incorrect
21
Applying for a mortgage or refinancing an existing mortgage
Confusing or misleading advertising or marketing
19
Applying for a mortgage or refinancing an existing mortgage
Delays in the application process
18
Trouble during payment process
Private mortgage insurance (PMI)
18
Trouble during payment process
Interest rate
17
Applying for a mortgage or refinancing an existing mortgage
Changes in loan terms during the application process
14
Trouble during payment process
Lien release
11
Problem with a company's investigation into an existing problem
Their investigation did not fix an error on your report
10
Closing on a mortgage
Delays with the closing process
9
Closing on a mortgage
Changes in loan terms during or after closing
8
Incorrect information on your report
Information is missing that should be on the report
8
Closing on a mortgage
Closing disclosure or other related disclosures
7
Applying for a mortgage or refinancing an existing mortgage
Fees or costs during the application process
6
Applying for a mortgage or refinancing an existing mortgage
Loan estimate or other related disclosures
5
Problem with a credit reporting company's investigation into an existing problem
Investigation took more than 30 days
5
Closing on a mortgage
Fees or costs after closing
4
Problem with a company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
4
Problem with a company's investigation into an existing problem
Problem with personal statement of dispute
4
Problem with a company's investigation into an existing problem
Was not notified of investigation status or results
4
Applying for a mortgage or refinancing an existing mortgage
Negative impact of inaccurate appraisal
3
Incorrect information on your report
Public record information inaccurate
3
Problem with fraud alerts or security freezes
None
3
Credit monitoring or identity theft protection services
Billing dispute for services
2
Incorrect information on your report
Information belongs to someone else
2
Incorrect information on your report
Old information reappears or never goes away
2
Problem with a company's investigation into an existing problem
Investigation took more than 30 days
2
Closing on a mortgage
Setting up an escrow account for taxes and insurance
1
Credit monitoring or identity theft protection services
Received unwanted marketing or advertising
1
Improper use of your report
Credit inquiries on your report that you don't recognize
1
Improper use of your report
Reporting company used your report improperly
1
Incorrect information on your report
Personal information incorrect
1
Problem with a credit reporting company's investigation into an existing problem
Difficulty submitting a dispute or getting information about a dispute over the phone
1
Problem with a credit reporting company's investigation into an existing problem
Problem with personal statement of dispute
1
States
California
715
Florida
601
Pennsylvania
511
Illinois
469
Maryland
466
View all states (54)
New Jersey
444
Ohio
359
Texas
349
North Carolina
291
Georgia
270
Virginia
237
New York
234
Michigan
213
Arizona
145
Washington
137
Colorado
110
Massachusetts
100
None
98
Alabama
84
Indiana
80
South Carolina
72
District of Columbia
70
Kentucky
67
Oregon
67
Wisconsin
63
Missouri
60
Delaware
58
Connecticut
55
Tennessee
47
Nevada
45
Utah
36
Rhode Island
33
Minnesota
32
New Mexico
29
Hawaii
28
Louisiana
22
New Hampshire
22
Idaho
17
Iowa
17
Kansas
17
West Virginia
14
Oklahoma
12
Mississippi
11
Arkansas
10
Montana
10
Nebraska
8
Maine
7
Vermont
6
South Dakota
5
Alaska
2
Wyoming
2
North Dakota
1
PW
1
UNITED STATES MINOR OUTLYING ISLANDS
1
Company response
Closed with explanation
6,128
Closed
293
Closed with non-monetary relief
199
Closed with monetary relief
179
In progress
61
Timely response
Timely-response figures are a count distribution as reported to CFPB, not a score.
Yes
6,847
No
13
How to read these figures
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing. CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. U.S. Mortgage Index does not treat complaint allegations as independently verified facts.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Regulatory records
Regulatory & institutional records
Only records that apply to this institution are shown. Identifiers stay as published.
FFIEC NICAugust 19, 2026Observed date for the NIC institution record.
Institution identity
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- PNC Bank, National Association
- Display name
- PNC Bank, National Association
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- January 1, 1804
- Charter class
- National bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Office of the Comptroller of the Currency
- Headquarters
- Wilmington, DE, 19801, United States
- Website
- https://www.pnc.com
- FDIC certificate number
- 6384
- Federal Reserve
- 817824
- OCC charter number
- 1316
- Domestic location count
- 2,326
- Source observed
- August 3, 2026
Regulatory information
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- OCC
- Institution type
- National Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 6384
- Federal Reserve
- 817824
- AD6GFRVSDT01YPT1CS68
- Headquarters
- 222 Delaware Avenue, Wilmington, DE, 19899, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Community Reinvestment Act (CRA)
No published CRA result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
Formal hierarchy
FFIEC NIC hierarchy rows
110
Showing 1 through 25 of 110 relationship records
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured national bank
Locations
Branch and office locations
Start with the published count and primary location. Search stays paged so the first view stays readable.
FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.
Branch locations
Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.
Branch network
Listed locations
2,381
Showing 1 through 50 of 2,381 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| ALABASTER | 10745 Highway 119 South | Alabaster | AL | 35007 |
| ALBERTVILLE BRANCH | 300 West Main Street | Albertville | AL | 35950 |
| ATHENS HIGHWAY 72 BRANCH | 1044 Hwy 72 East | Athens | AL | 35611 |
| AUBURN DOWNTOWN | 101 South College Street, Suite 101 | Auburn | AL | 36830 |
| SOUTH COLLEGE | 1605 South College Street | Auburn | AL | 36832 |
| BAY MINETTE BRANCH | 511 D'olive Street | Bay Minette | AL | 36507 |
| BAYOU LA BATRE BRANCH | 13825 South Wintzell Avenue | Bayou La Batre | AL | 36509 |
| BESSEMER | 1719 4th Ave N | Bessemer | AL | 35020 |
| CRESTLINE | 89 Euclid Avenue | Birmingham | AL | 35213 |
| EASTWOOD | 1668 Montclair Road | Birmingham | AL | 35210 |
| HOMEWOOD AL | 1908 29th Avenue South | Birmingham | AL | 35209 |
| HOOVER COMMONS | 1611 Montgomery Highway | Birmingham | AL | 35216 |
| INVERNESS BRANCH | 104 Inverness Plaza | Birmingham | AL | 35242 |
| LEE BRANCH | 105 Doug Baker Boulevard | Birmingham | AL | 35242 |
| MARKETPLACE | 1916 Veterans Memorial Drive | Birmingham | AL | 35214 |
| ONE FEDERAL PLACE | 1819 Fifth Avenue North | Birmingham | AL | 35203 |
| RIVERCHASE BRANCH | 1789 Montgomery Highway | Birmingham | AL | 35244 |
| ROEBUCK BRANCH | 9208 Parkway East | Birmingham | AL | 35206 |
| TUTWILER FARM | 3501 Roosevelt Boulevard | Birmingham | AL | 35235 |
| UAB | 707 Richard Arrington Junior Boulevard S, Ste 108 | Birmingham | AL | 35233 |
| WILDWOOD AL | 201 State Farm Parkway | Birmingham | AL | 35209 |
| CHICKASAW BRANCH | 365 N Craft Highway | Chickasaw | AL | 36611 |
| CULLMAN | 1715 Second Ave, SW | Cullman | AL | 35055 |
| DADEVILLE | 242 N. Broadnax Street | Dadeville | AL | 36853 |
| DAPHNE | 2211 Highway 98 | Daphne | AL | 36526 |
| BELTLINE | 1715 Beltline Road Southwest | Decatur | AL | 35601 |
| SIXTH AVENUE | 2004 Sixth Ave SE | Decatur | AL | 35601 |
| DOTHAN WEST BRANCH | 2872 West Main Street | Dothan | AL | 36305 |
| EUFAULA SQUARE BRANCH | 1009 S. Eufaula Avenue | Eufaula | AL | 36027 |
| FAIRHOPE AVENUE | 949 Fairhope Avenue | Fairhope | AL | 36532 |
| FAIRHOPE N SECTION STREET | 36 North Section Street | Fairhope | AL | 36532 |
| COX CREEK BRANCH | 210 Cox Creek Parkway | Florence | AL | 35630 |
| FLORENCE N COURT STREET | 412 North Court Street | Florence | AL | 35630 |
| FOLEY BRANCH | 1101 North Mckenzie Street | Foley | AL | 36535 |
| FORT PAYNE | 200 Gault Ave N | Fort Payne | AL | 35967 |
| GADSDEN | 601 Broad Street | Gadsden | AL | 35901 |
| CRAFT FARMS | 3830 Gulf Shores Parkway | Gulf Shores | AL | 36542 |
| HARTSELLE BRANCH | 589 Highway 31 Northwest | Hartselle | AL | 35640 |
| ALLISON-BONNETT BRANCH | 3059 Allison - Bonnett Memorial Drive | Hueytown | AL | 35023 |
| GOVERNORS DRIVE BRANCH | 114 Governors Drive Southeast | Huntsville | AL | 35801 |
| HAYSLAND SQUARE BRANCH | 100 Cameron Road Southwest | Huntsville | AL | 35802 |
| JORDAN LANE BRANCH | 1002 Jordan Lane NW | Huntsville | AL | 35816 |
| UNIVERSITY DRIVE BRANCH | 1470 Perimeter Parkway N. W. | Huntsville | AL | 35806 |
| WHITESBURG BRANCH | 4806 Whitesburg DR SE | Huntsville | AL | 35802-1633 |
| JACKSONVILLE AL | 817 South Pelham Road | Jacksonville | AL | 36265 |
| JASPER ALABAMA AVENUE | 1713 Alabama Avenue | Jasper | AL | 35501 |
| LEEDS BRANCH | 7925 Parkway DR | Leeds | AL | 35094 |
| NORTH MADISON BRANCH | 7930 US Highway 72 West | Madison | AL | 35758 |
| SULLIVAN STREET BRANCH | 3735 Sullivan Street | Madison | AL | 35758 |
| MIDFAIR BRANCH | 199 Bessemer Super Hwy | Midfield | AL | 35228 |
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.
Institution history
History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.
Institutional history
FFIEC NIC history events
59
Showing 26 through 50 of 59 history events
| Event date | Event type | Related institution |
|---|---|---|
| December 1, 2005 | Charter Discontinued (Merger or Purchase & Assumption) | PNC COMMERCIAL MANAGEMENT, INC. |
| May 14, 2005 | Charter Discontinued (Merger or Purchase & Assumption) | RIGGS NATIONAL TRUST COMPANY |
| May 14, 2005 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 15, 2005 | Charter Discontinued (Merger or Purchase & Assumption) | PNC INVESTMENT HOLDINGS, INC. |
| January 14, 2005 | Charter Discontinued (Merger or Purchase & Assumption) | PNC ASSET MANAGEMENT, INC. |
| March 20, 2004 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| September 28, 2001 | Charter Discontinued (Merger or Purchase & Assumption) | HILLIARD LYONS TRUST COMPANY |
| March 31, 2001 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 1, 2000 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 31, 1997 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 31, 1997 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 31, 1997 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 1, 1997 | Charter Discontinued (Merger or Purchase & Assumption) | PNC TRUST COMPANY OF NEW YORK |
| December 1, 1997 | Charter Discontinued (Merger or Purchase & Assumption) | PNC MORTGAGE BANK, NATIONAL ASSOCIATION |
| September 7, 1996 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 7, 1995 | Charter Discontinued (Merger or Purchase & Assumption) | PNC BANK, NEW JERSEY, NATIONAL ASSOCIATION |
| October 7, 1995 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| June 18, 1994 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 22, 1994 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 7, 1993 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 7, 1993 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 7, 1993 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| June 26, 1993 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| April 23, 1993 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| February 4, 1993 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
FDIC BankFind
Source reviewed2026-08-03
Limitation
FDIC fields describe the institution record USMI reviewed. They are not a recommendation or a real-time license check.
CFPB Consumer Complaint Database search
Source reviewed2026-08-03
Limitation
Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.
HMDA modified LAR
Source reviewed2026-08-03
Limitation
HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.
FFIEC NIC institution profile
Source reviewed2026-08-19
Limitation
The observed date is when USMI reviewed the public NIC record. It is not a real-time status feed.
FFIEC NIC branches
Source reviewed2026-08-19
Limitation
Branch rows are FFIEC NIC listed locations, not a consumer-facing store locator.
FFIEC NIC organizational hierarchy
Source reviewed2026-08-19
Limitation
Hierarchy rows are the FFIEC-reported structure. They are not a complete legal-ownership opinion and they are not branch locations.
FFIEC NIC institution history
Source reviewed2026-08-19
Limitation
History events are shown as reported by FFIEC NIC. USMI does not add a merger or failure narrative.