Bank of America and PNC Tie for Top Spot in Keynova Group's Mortgage-Home Equity Scorecard
Keynova Group released its 2026 Mortgage-Home Equity Scorecard, ranking the top U.S. mortgage lenders based on digital consumer experience. Bank of America (BAC) and PNC Financial Services (PNC) tied for first place for the second consecutive year. The report highlights a growing trend among lenders to offer faster closing and funding options as key differentiators in home lending. The study found that more than one-third of lenders now provide accelerated home equity closing, with non-banks leading this innovation by offering approvals within minutes and funding in as little as a week. Digital tools such as asset valuation modeling, e-signatures, online notaries, and pre-filled applications are helping streamline the process. Lenders are also enhancing customer relationships through rewards programs that encourage multi-product usage among mortgage holders. Additionally, visual content is being used to simplify complex home lending processes for consumers.
Topics: consumer experience digital banking lender benchmarking