Assumption Clock

PNC Bank assumption timeline

1 community report · #12 fastest of 12 servicers.

Median
487 d
Average
16.0 mo
Range
487–487 d

Average days by loan type

Loan typeReportsMedianAverage
Not stated1487 d487 d

Common holdups

  • Lost or re-requested documents1×
  • No single point of contact1×
  • Underwriting backlog1×

Reports

AllFHAVAUSDAConventional
  • Not statedPA~487 days

    Removing a co-borrower: first attempt failed on LTV, reapplied, five credit pulls, approved March 2025 after a formal complaint — "16 months."

    • Lost or re-requested documents
    • Underwriting backlog
    • No single point of contact
    ApproximateReported by a buyerPosted 2025-03Source: r/personalfinance (u/circadude211)

Assuming a PNC Bank loan right now?

Add your dates, even if you're still waiting.

Submit a timeline

The Tuesday timeline email

5 quick items: new timelines, fastest and slowest servicers, and FHA/VA rule news. Free.

PNC Bank assumption timeline — how long it really takes · Assumption Clock