Fifth Third Bank Mortgage Lending & HMDA Data, 2018
In 2018, Fifth Third Bank of Cincinnati, OH reported 45,831 mortgage applications totaling $3.9 billion, up 349% from 2017. The average application was for $84,413, and applicants reported an average income of $97,177. 52% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Cincinnati, OH-KY-IN (5,901), Chicago-Naperville-Arlington Heights, IL (3,164) and Columbus, OH (2,445) (applications in parentheses).
| Mortgage Company & Address | Fifth Third Bank 38 Fountain Square Md1090k1 Cincinnati, OH 45263 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 45,831 |
| Total Mortgage Loan Application Amount | $3,868,755,000 |
| Average Mortgage Loan Application Amount | $84,413 |
| Highest Mortgage Loan Application Amount | $35,005,000 |
| Average Applicant Income | $97,177 |
| Highest Applicant Income | $5,950,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fifth Third Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cincinnati, OH-KY-IN | 5,901 | $ 445,845,000 | $ 75,554 | $ 96,436 |
| Outside any metro area | 5,166 | $ 347,420,000 | $ 67,251 | $ 77,051 |
| Chicago-Naperville-Arlington Heights, IL | 3,164 | $ 321,170,000 | $ 101,507 | $ 119,000 |
| Columbus, OH | 2,445 | $ 212,965,000 | $ 87,102 | $ 110,000 |
| Cleveland-Elyria, OH | 2,344 | $ 170,120,000 | $ 72,576 | $ 91,000 |
| Grand Rapids-Wyoming, MI | 2,222 | $ 181,640,000 | $ 81,746 | $ 99,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1,979 | $ 175,175,000 | $ 88,516 | $ 97,474 |
| Louisville/Jefferson County, KY-IN | 1,929 | $ 148,635,000 | $ 77,052 | $ 92,688 |
| Indianapolis-Carmel-Anderson, IN | 1,507 | $ 112,485,000 | $ 74,641 | $ 101,000 |
| Warren-Troy-Farmington Hills, MI | 1,496 | $ 134,360,000 | $ 89,812 | $ 110,000 |
| Dayton, OH | 1,465 | $ 98,115,000 | $ 66,972 | $ 84,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1,284 | $ 145,360,000 | $ 113,208 | $ 112,000 |
| Toledo, OH | 1,236 | $ 77,530,000 | $ 62,726 | $ 82,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,055 | $ 117,345,000 | $ 111,227 | $ 125,000 |
| Orlando-Kissimmee-Sanford, FL | 824 | $ 92,810,000 | $ 112,633 | $ 97,000 |
| Evansville, IN-KY | 751 | $ 47,305,000 | $ 62,989 | $ 76,548 |
| Akron, OH | 725 | $ 54,945,000 | $ 75,786 | $ 93,000 |
| Gary, IN | 705 | $ 51,855,000 | $ 73,553 | $ 87,000 |
| Atlanta-Sandy Springs-Roswell, GA | 574 | $ 64,930,000 | $ 113,118 | $ 131,000 |
| Cape Coral-Fort Myers, FL | 557 | $ 63,775,000 | $ 114,497 | $ 105,000 |
| Lexington-Fayette, KY | 546 | $ 43,140,000 | $ 79,010 | $ 118,000 |
| Detroit-Dearborn-Livonia, MI | 544 | $ 43,590,000 | $ 80,128 | $ 92,000 |
| Naples-Immokalee-Marco Island, FL | 418 | $ 60,460,000 | $ 144,641 | $ 106,000 |
| Elgin, IL | 417 | $ 34,645,000 | $ 83,081 | $ 97,000 |
| Lansing-East Lansing, MI | 409 | $ 27,585,000 | $ 67,444 | $ 89,000 |
| North Port-Sarasota-Bradenton, FL | 378 | $ 39,560,000 | $ 104,656 | $ 116,000 |
| Kalamazoo-Portage, MI | 352 | $ 22,780,000 | $ 64,715 | $ 79,000 |
| Muskegon, MI | 350 | $ 17,760,000 | $ 50,742 | $ 69,000 |
| Niles-Benton Harbor, MI | 341 | $ 26,915,000 | $ 78,929 | $ 93,000 |
| Lake County-Kenosha County, IL-WI | 332 | $ 38,630,000 | $ 116,355 | $ 143,698 |
| Fort Wayne, IN | 273 | $ 16,445,000 | $ 60,238 | $ 90,000 |
| Terre Haute, IN | 251 | $ 12,235,000 | $ 48,745 | $ 74,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 246 | $ 22,700,000 | $ 92,276 | $ 86,000 |
| Huntington-Ashland, WV-KY-OH | 243 | $ 16,415,000 | $ 67,551 | $ 89,037 |
| Jacksonville, FL | 216 | $ 20,770,000 | $ 96,157 | $ 103,000 |
| Monroe, MI | 194 | $ 11,550,000 | $ 59,536 | $ 86,000 |
| Raleigh, NC | 192 | $ 23,480,000 | $ 122,291 | $ 130,000 |
| Flint, MI | 186 | $ 12,480,000 | $ 67,096 | $ 82,000 |
| Canton-Massillon, OH | 182 | $ 10,110,000 | $ 55,549 | $ 86,000 |
| South Bend-Mishawaka, IN-MI | 162 | $ 10,990,000 | $ 67,839 | $ 96,679 |
| Springfield, OH | 134 | $ 7,460,000 | $ 55,671 | $ 80,000 |
| Lima, OH | 133 | $ 7,535,000 | $ 56,654 | $ 85,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 122 | $ 14,490,000 | $ 118,770 | $ 146,000 |
| Michigan City-La Porte, IN | 114 | $ 7,790,000 | $ 68,333 | $ 77,000 |
| Jackson, MI | 106 | $ 7,740,000 | $ 73,018 | $ 91,000 |
| Lakeland-Winter Haven, FL | 103 | $ 6,665,000 | $ 64,708 | $ 72,000 |
| Ann Arbor, MI | 93 | $ 8,525,000 | $ 91,666 | $ 149,000 |
| Knoxville, TN | 93 | $ 8,205,000 | $ 88,225 | $ 106,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 87 | $ 10,855,000 | $ 124,770 | $ 133,000 |
| Owensboro, KY | 81 | $ 4,015,000 | $ 49,567 | $ 76,000 |
| Bloomington, IN | 79 | $ 5,225,000 | $ 66,139 | $ 80,000 |
| Columbus, IN | 79 | $ 5,845,000 | $ 73,987 | $ 81,000 |
| Punta Gorda, FL | 78 | $ 7,220,000 | $ 92,564 | $ 69,000 |
| Battle Creek, MI | 77 | $ 3,925,000 | $ 50,974 | $ 67,000 |
| Augusta-Richmond County, GA-SC | 76 | $ 4,590,000 | $ 60,394 | $ 74,000 |
| Charleston, WV | 65 | $ 4,105,000 | $ 63,153 | $ 88,000 |
| Asheville, NC | 60 | $ 5,980,000 | $ 99,666 | $ 111,000 |
| Lafayette-West Lafayette, IN | 58 | $ 3,820,000 | $ 65,862 | $ 87,000 |
| Hickory-Lenoir-Morganton, NC | 55 | $ 3,835,000 | $ 69,727 | $ 95,000 |
| Rockford, IL | 48 | $ 2,920,000 | $ 60,833 | $ 84,000 |
| Miami-Miami Beach-Kendall, FL | 47 | $ 11,295,000 | $ 240,319 | $ 280,000 |
| Durham-Chapel Hill, NC | 37 | $ 4,915,000 | $ 132,837 | $ 147,000 |
| Bay City, MI | 35 | $ 2,355,000 | $ 67,285 | $ 80,000 |
| Saginaw, MI | 34 | $ 2,460,000 | $ 72,352 | $ 111,000 |
| Elkhart-Goshen, IN | 31 | $ 1,605,000 | $ 51,774 | $ 60,000 |
| Palm Bay-Melbourne-Titusville, FL | 26 | $ 2,670,000 | $ 102,692 | $ 89,000 |
| Carbondale-Marion, IL | 20 | $ 1,250,000 | $ 62,500 | $ 80,000 |
| Port St. Lucie, FL | 18 | $ 1,290,000 | $ 71,666 | $ 92,000 |
| Midland, MI | 14 | $ 940,000 | $ 67,142 | $ 61,000 |
| Chattanooga, TN-GA | 12 | $ 900,000 | $ 75,000 | $ 82,750 |
| Elizabethtown-Fort Knox, KY | 12 | $ 580,000 | $ 48,333 | $ 68,000 |
| Greensboro-High Point, NC | 11 | $ 1,955,000 | $ 177,727 | $ 161,000 |
| Winston-Salem, NC | 10 | $ 430,000 | $ 43,000 | $ 93,000 |
| Youngstown-Warren-Boardman, OH-PA | 10 | $ 700,000 | $ 70,000 | $ 83,000 |
| Kankakee, IL | 9 | $ 605,000 | $ 67,222 | $ 74,000 |
| Kokomo, IN | 9 | $ 405,000 | $ 45,000 | $ 51,000 |
| The Villages, FL | 9 | $ 885,000 | $ 98,333 | $ 110,000 |
| Beckley, WV | 8 | $ 710,000 | $ 88,750 | $ 111,000 |
| Memphis, TN-MS-AR | 8 | $ 870,000 | $ 108,750 | $ 114,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 8 | $ 990,000 | $ 123,750 | $ 122,000 |
| St. Louis, MO-IL | 8 | $ 480,000 | $ 60,000 | $ 141,000 |
| Clarksville, TN-KY | 7 | $ 815,000 | $ 116,428 | $ 75,142 |
| Homosassa Springs, FL | 6 | $ 490,000 | $ 81,666 | $ 106,000 |
| Mansfield, OH | 6 | $ 460,000 | $ 76,666 | $ 75,000 |
| Savannah, GA | 6 | $ 360,000 | $ 60,000 | $ 66,000 |
| Gainesville, GA | 5 | $ 415,000 | $ 83,000 | $ 68,000 |
| Muncie, IN | 5 | $ 155,000 | $ 31,000 | $ 72,000 |
| Ocala, FL | 5 | $ 495,000 | $ 99,000 | $ 77,000 |
| Peoria, IL | 5 | $ 165,000 | $ 33,000 | $ 113,000 |
| Rocky Mount, NC | 5 | $ 355,000 | $ 71,000 | $ 92,000 |
| Bowling Green, KY | 4 | $ 170,000 | $ 42,500 | $ 100,000 |
| New Bern, NC | 4 | $ 300,000 | $ 75,000 | $ 74,000 |
| Wheeling, WV-OH | 4 | $ 240,000 | $ 60,000 | $ 99,500 |
| Burlington, NC | 3 | $ 165,000 | $ 55,000 | $ 70,000 |
| Champaign-Urbana, IL | 3 | $ 95,000 | $ 31,666 | $ 98,000 |
| Gainesville, FL | 3 | $ 185,000 | $ 61,666 | $ 93,000 |
| Jacksonville, NC | 3 | $ 235,000 | $ 78,333 | $ 57,000 |
| Morristown, TN | 3 | $ 225,000 | $ 75,000 | $ 24,000 |
| New York-Jersey City-White Plains, NY-NJ | 3 | $ 4,105,000 | $ 1,368,333 | $ 214,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 305,000 | $ 101,666 | $ 350,000 |
| Rome, GA | 3 | $ 295,000 | $ 98,333 | $ 81,000 |
| Sebastian-Vero Beach, FL | 3 | $ 705,000 | $ 235,000 | $ 310,000 |
| Tallahassee, FL | 3 | $ 155,000 | $ 51,666 | $ 114,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 865,000 | $ 288,333 | $ 55,000 |
| Charleston-North Charleston, SC | 2 | $ 230,000 | $ 115,000 | $ 72,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 80,000 | $ 40,000 | $ 66,000 |
| Danville, IL | 2 | $ 80,000 | $ 40,000 | $ 68,000 |
| Decatur, IL | 2 | $ 60,000 | $ 30,000 | $ 58,000 |
| Duluth, MN-WI | 2 | $ 70,000 | $ 35,000 | $ 69,000 |
| Fayetteville, NC | 2 | $ 60,000 | $ 30,000 | $ 32,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 140,000 | $ 70,000 | $ 50,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 180,000 | $ 90,000 | $ 255,000 |
| Jackson, TN | 2 | $ 190,000 | $ 95,000 | $ 169,000 |
| Johnson City, TN | 2 | $ 140,000 | $ 70,000 | $ 61,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 41,860,000 | $ 20,930,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 30,380,000 | $ 15,190,000 | $ 1,913,000 |
| Providence-Warwick, RI-MA | 2 | $ 32,510,000 | $ 16,255,000 | $ 120,000 |
| Racine, WI | 2 | $ 350,000 | $ 175,000 | $ 137,000 |
| Valdosta, GA | 2 | $ 50,000 | $ 25,000 | $ 65,000 |
| Athens-Clarke County, GA | 1 | $ 85,000 | $ 85,000 | $ 188,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 65,000 | $ 65,000 | $ 220,000 |
| Colorado Springs, CO | 1 | $ 275,000 | $ 275,000 | $ 154,000 |
| Columbus, GA-AL | 1 | $ 35,000 | $ 35,000 | $ 24,000 |
| Dalton, GA | 1 | $ 205,000 | $ 205,000 | $ 167,000 |
| Goldsboro, NC | 1 | $ 25,000 | $ 25,000 | $ 122,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 15,000 | $ 15,000 | $ 130,000 |
| Hinesville, GA | 1 | $ 55,000 | $ 55,000 | $ 111,000 |
| Joplin, MO | 1 | $ 205,000 | $ 205,000 | $ 160,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 175,000 | $ 175,000 | $ 107,000 |
| Macon-Bibb County, GA | 1 | $ 75,000 | $ 75,000 | $ 114,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 355,000 | $ 355,000 | $ 214,000 |
| Morgantown, WV | 1 | $ 175,000 | $ 175,000 | $ 153,000 |
| Oshkosh-Neenah, WI | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 1,255,000 | $ 1,255,000 | $ 878,000 |
| Panama City, FL | 1 | $ 305,000 | $ 305,000 | $ 54,000 |
| Pittsburgh, PA | 1 | $ 175,000 | $ 175,000 | $ 481,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Rochester, MN | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 185,000 | $ 185,000 | $ 289,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 835,000 | $ 835,000 | $ 716,000 |
| Sebring, FL | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
| Spartanburg, SC | 1 | $ 105,000 | $ 105,000 | $ 298,000 |
| Springfield, IL | 1 | $ 55,000 | $ 55,000 | $ 300,000 |
| Tuscaloosa, AL | 1 | $ 25,000 | $ 25,000 | $ 128,000 |
| Warner Robins, GA | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 255,000 | $ 255,000 | $ 175,000 |
| Wilmington, NC | 1 | $ 265,000 | $ 265,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Fifth Third Bank in 2018
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Other Purpose | 14,145 | $1,023,075,000 | $72,000 | $3,005,000 | $98,000 | $5,661,000 |
| Home Improvement | 13,524 | $877,500,000 | $64,000 | $3,005,000 | $97,000 | $1,976,000 |
| Cash-out Refinancing | 11,778 | $1,245,300,000 | $105,000 | $35,005,000 | $96,000 | $2,596,000 |
| Refinancing | 4,654 | $394,280,000 | $84,000 | $1,875,000 | $83,000 | $1,800,000 |
| Home Purchase | 1,730 | $328,600,000 | $189,000 | $28,805,000 | $138,000 | $5,950,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 38,424 | $3,106,070,000 | $80,000 | $3,005,000 | $98,000 | $5,950,000 |
| Black or African American | 2,573 | $155,065,000 | $60,000 | $1,005,000 | $74,000 | $975,000 |
| Hispanic | 1,975 | $145,765,000 | $73,000 | $645,000 | $77,000 | $899,000 |
| Not Provided | 963 | $91,855,000 | $95,000 | $2,005,000 | $128,000 | $3,833,000 |
| Asian | 962 | $122,090,000 | $126,000 | $1,985,000 | $135,000 | $2,572,000 |
| American Indian or Alaskan Native | 353 | $26,825,000 | $75,000 | $505,000 | $87,000 | $900,000 |
| Native Hawaiian or Other Pacific Islander | 40 | $3,020,000 | $75,000 | $255,000 | $106,000 | $748,000 |
| Not applicable | 19 | $153,565,000 | $8,082,000 | $35,005,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 45,831 | $3,868,755,000 | $84,000 | $35,005,000 | $97,000 | $5,950,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 23,608 | $2,082,100,000 | $88,000 | $35,005,000 | $107,000 | $5,661,000 |
| Application Denied By Financial Institution | 14,710 | $1,150,650,000 | $78,000 | $3,005,000 | $79,000 | $1,972,000 |
| File Closed For Incompleteness | 3,427 | $291,825,000 | $85,000 | $1,005,000 | $105,000 | $1,972,000 |
| Application Withdrawn By Applicant | 3,402 | $289,030,000 | $84,000 | $3,005,000 | $100,000 | $5,950,000 |
| Application Approved But Not Accepted | 684 | $55,150,000 | $80,000 | $2,005,000 | $102,000 | $1,767,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 31,121 | $2,718,105,000 | $87,000 | $35,005,000 | $106,000 | $5,950,000 |
| Credit History | 5,860 | $345,100,000 | $58,000 | $645,000 | $80,000 | $1,136,000 |
| Debt-To-Income Ratio | 5,323 | $487,715,000 | $91,000 | $2,005,000 | $55,000 | $878,000 |
| Collateral | 1,841 | $157,145,000 | $85,000 | $3,005,000 | $112,000 | $1,016,000 |
| Other | 675 | $65,815,000 | $97,000 | $555,000 | $130,000 | $1,700,000 |
| Credit Application Incomplete | 514 | $51,580,000 | $100,000 | $805,000 | $123,000 | $1,972,000 |
| Unverifiable Information | 429 | $36,335,000 | $84,000 | $705,000 | $89,000 | $1,171,000 |
| Employment History | 68 | $6,960,000 | $102,000 | $355,000 | $104,000 | $900,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fifth Third Bank's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Fifth Third Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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