Fifth Third Bank Mortgage Lending & HMDA Data, 2011
In 2011, Fifth Third Bank of Cincinnati, OH reported 51,143 mortgage applications totaling $5.1 billion. The average application was for $99,002, and applicants reported an average income of $70,192. 41% of its applications resulted in an originated loan and 51% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (4,511), Chicago-Joliet-Naperville, IL (3,914) and Cleveland-Elyria-Mentor, OH (3,068) (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 | 51,143 |
| Total Mortgage Loan Application Amount | $5,063,296,000 |
| Average Mortgage Loan Application Amount | $99,002 |
| Highest Mortgage Loan Application Amount | $2,600,000 |
| Average Applicant Income | $70,192 |
| Highest Applicant Income | $3,453,000 |
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Act (HMDA) records Fifth Third Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Middletown, OH-KY-IN | 4,511 | $ 442,127,000 | $ 98,010 | $ 71,426 |
| Chicago-Joliet-Naperville, IL | 3,914 | $ 490,759,000 | $ 125,385 | $ 78,000 |
| Cleveland-Elyria-Mentor, OH | 3,068 | $ 313,717,000 | $ 102,254 | $ 72,000 |
| Columbus, OH | 2,254 | $ 244,340,000 | $ 108,402 | $ 78,000 |
| Toledo, OH | 2,102 | $ 197,661,000 | $ 94,034 | $ 72,000 |
| Louisville-Jefferson County, KY-IN | 1,903 | $ 192,771,000 | $ 101,298 | $ 67,284 |
| Warren-Troy-Farmington Hills, MI | 1,723 | $ 183,447,000 | $ 106,469 | $ 75,000 |
| Dayton, OH | 1,654 | $ 142,224,000 | $ 85,987 | $ 68,000 |
| Evansville, IN-KY | 1,633 | $ 138,636,000 | $ 84,896 | $ 63,857 |
| Grand Rapids-Wyoming, MI | 1,355 | $ 123,605,000 | $ 91,221 | $ 69,000 |
| Indianapolis-Carmel, IN | 1,240 | $ 118,901,000 | $ 95,887 | $ 68,000 |
| Akron, OH | 1,228 | $ 132,668,000 | $ 108,035 | $ 77,000 |
| Gary, IN | 1,139 | $ 110,531,000 | $ 97,042 | $ 66,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1,079 | $ 117,337,000 | $ 108,746 | $ 68,012 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 935 | $ 122,574,000 | $ 131,095 | $ 80,000 |
| Lansing-East Lansing, MI | 869 | $ 84,823,000 | $ 97,609 | $ 72,000 |
| Holland-Grand Haven, MI | 853 | $ 80,633,000 | $ 94,528 | $ 66,000 |
| Kalamazoo-Portage, MI | 716 | $ 65,334,000 | $ 91,248 | $ 67,000 |
| Detroit-Livonia-Dearborn, MI | 624 | $ 58,417,000 | $ 93,616 | $ 77,000 |
| Huntington-Ashland, WV-KY-OH | 540 | $ 47,594,000 | $ 88,137 | $ 65,922 |
| Fort Wayne, IN | 512 | $ 42,636,000 | $ 83,273 | $ 59,000 |
| Lexington-Fayette, KY | 509 | $ 54,319,000 | $ 106,717 | $ 78,000 |
| Niles-Benton Harbor, MI | 423 | $ 37,689,000 | $ 89,099 | $ 58,000 |
| Lake County-Kenosha County, IL-WI | 408 | $ 56,669,000 | $ 138,894 | $ 87,000 |
| Muskegon-Norton Shores, MI | 402 | $ 30,097,000 | $ 74,868 | $ 53,000 |
| Monroe, MI | 397 | $ 40,802,000 | $ 102,775 | $ 69,000 |
| Tampa-St. Petersburg-Clearwater, FL | 377 | $ 40,302,000 | $ 106,901 | $ 71,000 |
| Terre Haute, IN | 347 | $ 23,330,000 | $ 67,233 | $ 58,000 |
| Canton-Massillon, OH | 283 | $ 27,702,000 | $ 97,886 | $ 71,000 |
| Orlando-Kissimmee-Sanford, FL | 280 | $ 32,968,000 | $ 117,742 | $ 68,000 |
| Michigan City-La Porte, IN | 278 | $ 25,152,000 | $ 90,474 | $ 63,000 |
| Atlanta-Sandy Springs-Marietta, GA | 268 | $ 36,900,000 | $ 137,686 | $ 81,000 |
| South Bend-Mishawaka, IN-MI | 260 | $ 22,571,000 | $ 86,811 | $ 63,073 |
| Charleston, WV | 259 | $ 26,783,000 | $ 103,409 | $ 78,000 |
| Flint, MI | 247 | $ 21,292,000 | $ 86,202 | $ 70,000 |
| Pittsburgh, PA | 207 | $ 21,833,000 | $ 105,473 | $ 72,000 |
| Lima, OH | 168 | $ 12,632,000 | $ 75,190 | $ 57,000 |
| Jackson, MI | 157 | $ 14,066,000 | $ 89,592 | $ 82,000 |
| Cape Coral-Fort Myers, FL | 140 | $ 13,467,000 | $ 96,192 | $ 84,000 |
| Sandusky, OH | 138 | $ 13,030,000 | $ 94,420 | $ 70,000 |
| Ann Arbor, MI | 133 | $ 18,020,000 | $ 135,488 | $ 88,000 |
| Saginaw-Saginaw Township North, MI | 130 | $ 14,030,000 | $ 107,923 | $ 80,000 |
| St. Louis, MO-IL | 130 | $ 13,426,000 | $ 103,276 | $ 79,769 |
| Deltona-Daytona Beach-Ormond Beach, FL | 128 | $ 11,844,000 | $ 92,531 | $ 65,000 |
| Naples-Marco Island, FL | 126 | $ 13,058,000 | $ 103,634 | $ 83,000 |
| Owensboro, KY | 126 | $ 11,352,000 | $ 90,095 | $ 61,000 |
| Battle Creek, MI | 125 | $ 9,378,000 | $ 75,024 | $ 56,000 |
| North Port-Bradenton-Sarasota, FL | 124 | $ 11,748,000 | $ 94,741 | $ 78,000 |
| Springfield, OH | 118 | $ 11,450,000 | $ 97,033 | $ 69,000 |
| Augusta-Richmond County, GA-SC | 117 | $ 8,872,000 | $ 75,829 | $ 50,478 |
| Jacksonville, FL | 92 | $ 9,401,000 | $ 102,184 | $ 112,000 |
| Raleigh-Cary, NC | 92 | $ 13,860,000 | $ 150,652 | $ 89,000 |
| Bloomington, IN | 91 | $ 6,172,000 | $ 67,824 | $ 56,000 |
| Rockford, IL | 78 | $ 7,425,000 | $ 95,192 | $ 65,000 |
| Bay City, MI | 71 | $ 6,461,000 | $ 91,000 | $ 68,000 |
| Knoxville, TN | 70 | $ 9,178,000 | $ 131,114 | $ 82,000 |
| Lakeland-Winter Haven, FL | 66 | $ 6,937,000 | $ 105,106 | $ 65,000 |
| Hickory-Lenoir-Morganton, NC | 64 | $ 8,254,000 | $ 128,968 | $ 58,000 |
| Lafayette, IN | 64 | $ 5,427,000 | $ 84,796 | $ 61,000 |
| Elkhart-Goshen, IN | 60 | $ 4,421,000 | $ 73,683 | $ 59,000 |
| Asheville, NC | 48 | $ 5,793,000 | $ 120,687 | $ 74,000 |
| Columbus, IN | 38 | $ 3,119,000 | $ 82,078 | $ 67,000 |
| Anderson, IN | 31 | $ 2,266,000 | $ 73,096 | $ 65,000 |
| Youngstown-Warren-Boardman, OH-PA | 28 | $ 2,234,000 | $ 79,785 | $ 71,535 |
| Clarksville, TN-KY | 26 | $ 2,256,000 | $ 86,769 | $ 63,307 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 26 | $ 3,940,000 | $ 151,538 | $ 187,000 |
| Punta Gorda, FL | 25 | $ 2,141,000 | $ 85,640 | $ 81,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 21 | $ 1,604,000 | $ 76,380 | $ 71,000 |
| Kankakee-Bradley, IL | 20 | $ 1,786,000 | $ 89,300 | $ 47,000 |
| Winston-Salem, NC | 20 | $ 3,169,000 | $ 158,450 | $ 122,000 |
| Durham-Chapel Hill, NC | 19 | $ 2,619,000 | $ 137,842 | $ 122,000 |
| Elizabethtown, KY | 18 | $ 1,397,000 | $ 77,611 | $ 145,000 |
| Danville, IL | 16 | $ 889,000 | $ 55,562 | $ 65,000 |
| Davenport-Moline-Rock Island, IA-IL | 15 | $ 1,039,000 | $ 69,266 | $ 60,000 |
| Bowling Green, KY | 11 | $ 1,296,000 | $ 117,818 | $ 112,000 |
| Kokomo, IN | 11 | $ 905,000 | $ 82,272 | $ 59,000 |
| Spartanburg, SC | 10 | $ 1,370,000 | $ 137,000 | $ 64,000 |
| Mansfield, OH | 9 | $ 830,000 | $ 92,222 | $ 70,000 |
| Columbia, SC | 8 | $ 812,000 | $ 101,500 | $ 72,000 |
| Greenville-Mauldin-Easley, SC | 8 | $ 862,000 | $ 107,750 | $ 119,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 8 | $ 1,654,000 | $ 206,750 | $ 159,000 |
| Wilmington, NC | 8 | $ 1,359,000 | $ 169,875 | $ 110,000 |
| Peoria, IL | 7 | $ 428,000 | $ 61,142 | $ 39,000 |
| Morristown, TN | 6 | $ 846,000 | $ 141,000 | $ 73,000 |
| Ocala, FL | 6 | $ 481,000 | $ 80,166 | $ 63,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 388,000 | $ 64,666 | $ 63,000 |
| Palm Coast, FL | 6 | $ 415,000 | $ 69,166 | $ 62,000 |
| Wheeling, WV-OH | 6 | $ 349,000 | $ 58,166 | $ 61,500 |
| Champaign-Urbana, IL | 5 | $ 455,000 | $ 91,000 | $ 101,000 |
| Fayetteville, NC | 5 | $ 402,000 | $ 80,400 | $ 119,000 |
| Johnson City, TN | 5 | $ 1,135,000 | $ 227,000 | $ 338,000 |
| Memphis, TN-MS-AR | 5 | $ 775,000 | $ 155,000 | $ 71,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 469,000 | $ 93,800 | $ 79,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 5 | $ 450,000 | $ 90,000 | $ 90,000 |
| Chattanooga, TN-GA | 4 | $ 466,000 | $ 116,500 | $ 86,000 |
| Muncie, IN | 4 | $ 341,000 | $ 85,250 | $ 62,000 |
| Steubenville-Weirton, OH-WV | 4 | $ 257,000 | $ 64,250 | $ 42,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 3 | $ 240,000 | $ 80,000 | $ 39,000 |
| Port St. Lucie, FL | 3 | $ 254,000 | $ 84,666 | $ 70,000 |
| Cumberland, MD-WV | 2 | $ 148,000 | $ 74,000 | $ 52,000 |
| Dalton, GA | 2 | $ 151,000 | $ 75,500 | $ 39,000 |
| Erie, PA | 2 | $ 252,000 | $ 126,000 | $ 71,000 |
| Gainesville, GA | 2 | $ 356,000 | $ 178,000 | $ 55,000 |
| Goldsboro, NC | 2 | $ 404,000 | $ 202,000 | $ 98,000 |
| Greensboro-High Point, NC | 2 | $ 169,000 | $ 84,500 | $ 86,000 |
| Jackson, TN | 2 | $ 503,000 | $ 251,500 | $ 166,000 |
| Johnstown, PA | 2 | $ 210,000 | $ 105,000 | $ 58,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 235,000 | $ 117,500 | $ 61,000 |
| Rome, GA | 2 | $ 146,000 | $ 73,000 | $ 65,000 |
| Springfield, IL | 2 | $ 228,000 | $ 114,000 | $ 84,000 |
| Warner Robins, GA | 2 | $ 275,000 | $ 137,500 | $ 139,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 170,000 | $ 170,000 | $ 95,000 |
| Anderson, SC | 1 | $ 10,000 | $ 10,000 | $ 23,000 |
| Athens-Clarke County, GA | 1 | $ 244,000 | $ 244,000 | $ 81,000 |
| Bloomington-Normal, IL | 1 | $ 83,000 | $ 83,000 | $ 83,000 |
| Burlington, NC | 1 | $ 77,000 | $ 77,000 | $ 111,000 |
| Cape Girardeau-Jackson, MO-IL | 1 | $ 67,000 | $ 67,000 | $ 94,000 |
| Cleveland, TN | 1 | $ 162,000 | $ 162,000 | $ 70,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 80,000 | $ 80,000 | $ 70,000 |
| Gainesville, FL | 1 | $ 70,000 | $ 70,000 | $ 76,000 |
| Lancaster, PA | 1 | $ 96,000 | $ 96,000 | $ 50,000 |
| Macon, GA | 1 | $ 132,000 | $ 132,000 | $ 50,000 |
| Morgantown, WV | 1 | $ 87,000 | $ 87,000 | $ 54,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 125,000 | $ 125,000 | $ 43,000 |
| Philadelphia, PA | 1 | $ 78,000 | $ 78,000 | $ 22,000 |
| Rocky Mount, NC | 1 | $ 71,000 | $ 71,000 | $ 54,000 |
| Savannah, GA | 1 | $ 63,000 | $ 63,000 | $ 63,000 |
| Sebastian-Vero Beach, FL | 1 | $ 417,000 | $ 417,000 | $ 411,000 |
| Springfield, MO | 1 | $ 104,000 | $ 104,000 | $ 75,000 |
| State College, PA | 1 | $ 50,000 | $ 50,000 | $ 132,000 |
| Tallahassee, FL | 1 | $ 24,000 | $ 24,000 | $ 31,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 93,000 | $ 93,000 | $ 156,000 |
| Winchester, VA-WV | 1 | $ 134,000 | $ 134,000 | $ 118,000 |
Mortgage Loan Application Detail Totals for Fifth Third Bank in 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 47,166 | $4,855,963,000 | $102,000 | $2,600,000 | $71,000 | $2,377,000 |
| Home Improvement | 3,684 | $181,387,000 | $49,000 | $750,000 | $59,000 | $1,800,000 |
| Home Purchase | 293 | $25,946,000 | $88,000 | $775,000 | $81,000 | $3,453,000 |
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 | 43,047 | $4,250,098,000 | $98,000 | $2,600,000 | $71,000 | $3,453,000 |
| Not Provided | 3,174 | $340,337,000 | $107,000 | $417,000 | $75,000 | $941,000 |
| Black or African American | 2,007 | $162,798,000 | $81,000 | $417,000 | $57,000 | $498,000 |
| Hispanic | 1,620 | $153,803,000 | $94,000 | $417,000 | $59,000 | $664,000 |
| Asian | 891 | $113,035,000 | $126,000 | $417,000 | $78,000 | $891,000 |
| American Indian or Alaskan Native | 310 | $29,272,000 | $94,000 | $417,000 | $67,000 | $370,000 |
| Native Hawaiian or Other Pacific Islander | 81 | $8,193,000 | $101,000 | $273,000 | $74,000 | $612,000 |
| Not applicable | 13 | $5,760,000 | $443,000 | $1,811,000 | $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) | 51,142 | $5,063,259,000 | $99,000 | $2,600,000 | $71,000 | $3,453,000 |
| FHA-insured (Federal Housing Administration) | 1 | $37,000 | $37,000 | $37,000 | $18,000 | $18,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 26,324 | $2,720,064,000 | $103,000 | $2,600,000 | $66,000 | $1,749,000 |
| Loan Originated | 21,076 | $1,964,145,000 | $93,000 | $1,811,000 | $74,000 | $3,453,000 |
| Application Withdrawn By Applicant | 2,794 | $286,489,000 | $102,000 | $417,000 | $83,000 | $1,215,000 |
| Application Approved But Not Accepted | 797 | $78,260,000 | $98,000 | $417,000 | $74,000 | $922,000 |
| File Closed For Incompleteness | 152 | $14,338,000 | $94,000 | $342,000 | $95,000 | $1,800,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 8,074 | $933,673,000 | $115,000 | $417,000 | $74,000 | $1,191,000 |
| Credit History | 6,627 | $560,448,000 | $84,000 | $417,000 | $62,000 | $986,000 |
| Debt-To-Income Ratio | 5,026 | $547,469,000 | $108,000 | $2,600,000 | $42,000 | $400,000 |
| Credit Application Incomplete | 4,641 | $498,502,000 | $107,000 | $417,000 | $83,000 | $1,112,000 |
| Other | 1,186 | $104,871,000 | $88,000 | $417,000 | $75,000 | $1,749,000 |
| Unverifiable Information | 451 | $45,625,000 | $101,000 | $417,000 | $81,000 | $900,000 |
| Employment History | 314 | $28,958,000 | $92,000 | $395,000 | $55,000 | $400,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $518,000 | $103,000 | $180,000 | $57,000 | $100,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fifth Third Bank's 2011 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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