Home Equity Loans review · Updated October 2026

PNC Bank Review (2026)

Bank HELOC with a traditional draw period.

Reviewed by our editorial team · How we rank · Advertising disclosure

The short version

A traditional HELOC structure for borrowers who want to draw funds over time. On our home equity comparison, it's labeled Best for flexible draws.

Key facts

Max CLTVVaries
Draw period10 years
Annual feeVaries
Fixed-rate optionYes

What stands out

  • 10-year draw period
  • No requirement to draw at closing
  • Branch and online service

Pros and cons

Pros

  • Draw only what you need
  • Bank branch access

Cons

  • Not available in every state

How PNC Bank compares

Side-by-side comparison

Bank of America
Figure
PNC Bank
Trustpilot rating–
4.7
Trustpilot · 5,336 reviews
–
Max CLTV85%85%Varies
Draw period10 years3–5 years10 years
Annual fee$0$0Varies
Fixed-rate optionYesYesYes
Visit siteVisit siteVisit site

Head-to-head comparisons

Alternatives to consider

What to check before you sign up

Whichever home equity provider you choose, compare these points:

  • Combined loan-to-value. Lenders cap your total borrowing, first mortgage included, at a share of your home's value. That cap sets how much you can draw.
  • Fixed vs. variable. Home equity loans usually lock a fixed rate. HELOCs usually float with the prime rate, so payments can change.
  • How and when you access money. A HELOC works like a credit line during its draw period, then switches to repayment. A loan pays out once.
  • Closing costs and annual fees. Ask about appraisal, origination and annual fees, plus any penalty for closing the line early.

See home equity providers that serve your ZIP code.

Compare Home Equity Loans

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