Fifth Third Bank Mortgage Lending & HMDA Data, 2012
In 2012, Fifth Third Bank of Cincinnati, OH reported 44,617 mortgage applications totaling $4.0 billion, down 13% from 2011. The average application was for $89,226, and applicants reported an average income of $69,353. 43% of its applications resulted in an originated loan and 42% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (4,063), Cleveland-Elyria-Mentor, OH (2,612) and Chicago-Joliet-Naperville, IL (2,568) (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 | 44,617 |
| Total Mortgage Loan Application Amount | $3,981,028,000 |
| Average Mortgage Loan Application Amount | $89,226 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $69,353 |
| Highest Applicant Income | $5,295,000 |
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Act (HMDA) records Fifth Third Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,063 | $ 346,100,000 | $ 85,183 | $ 70,971 |
| Cleveland-Elyria-Mentor, OH | 2,612 | $ 230,079,000 | $ 88,085 | $ 70,000 |
| Chicago-Joliet-Naperville, IL | 2,568 | $ 276,951,000 | $ 107,846 | $ 76,000 |
| Columbus, OH | 1,927 | $ 179,783,000 | $ 93,296 | $ 78,000 |
| Toledo, OH | 1,811 | $ 152,099,000 | $ 83,986 | $ 69,000 |
| Dayton, OH | 1,601 | $ 116,758,000 | $ 72,928 | $ 65,000 |
| Warren-Troy-Farmington Hills, MI | 1,543 | $ 140,148,000 | $ 90,828 | $ 75,000 |
| Louisville/Jefferson County, KY-IN | 1,509 | $ 134,427,000 | $ 89,083 | $ 63,902 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1,337 | $ 138,018,000 | $ 103,229 | $ 67,272 |
| Evansville, IN-KY | 1,324 | $ 103,284,000 | $ 78,009 | $ 64,731 |
| Indianapolis-Carmel, IN | 1,231 | $ 101,314,000 | $ 82,302 | $ 66,000 |
| Grand Rapids-Wyoming, MI | 1,157 | $ 91,724,000 | $ 79,277 | $ 66,000 |
| Akron, OH | 953 | $ 93,160,000 | $ 97,754 | $ 73,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 913 | $ 104,248,000 | $ 114,181 | $ 74,000 |
| Gary, IN | 892 | $ 78,230,000 | $ 87,701 | $ 69,000 |
| Holland-Grand Haven, MI | 789 | $ 68,185,000 | $ 86,419 | $ 67,000 |
| Lansing-East Lansing, MI | 677 | $ 57,733,000 | $ 85,277 | $ 81,000 |
| Kalamazoo-Portage, MI | 562 | $ 45,259,000 | $ 80,532 | $ 61,000 |
| Detroit-Livonia-Dearborn, MI | 524 | $ 43,433,000 | $ 82,887 | $ 73,000 |
| Huntington-Ashland, WV-KY-OH | 481 | $ 41,111,000 | $ 85,469 | $ 75,777 |
| Fort Wayne, IN | 472 | $ 34,853,000 | $ 73,841 | $ 61,000 |
| Tampa-St. Petersburg-Clearwater, FL | 452 | $ 46,060,000 | $ 101,902 | $ 69,000 |
| Lexington-Fayette, KY | 411 | $ 38,538,000 | $ 93,766 | $ 75,000 |
| Muskegon-Norton Shores, MI | 402 | $ 31,036,000 | $ 77,203 | $ 59,000 |
| Monroe, MI | 366 | $ 34,040,000 | $ 93,005 | $ 69,000 |
| Atlanta-Sandy Springs-Marietta, GA | 348 | $ 48,464,000 | $ 139,264 | $ 83,000 |
| Terre Haute, IN | 345 | $ 20,823,000 | $ 60,356 | $ 55,000 |
| Niles-Benton Harbor, MI | 328 | $ 26,929,000 | $ 82,100 | $ 62,000 |
| Lake County-Kenosha County, IL-WI | 325 | $ 37,173,000 | $ 114,378 | $ 86,000 |
| Orlando-Kissimmee-Sanford, FL | 299 | $ 29,945,000 | $ 100,150 | $ 67,000 |
| Canton-Massillon, OH | 293 | $ 26,425,000 | $ 90,187 | $ 72,000 |
| Charleston, WV | 278 | $ 27,516,000 | $ 98,978 | $ 85,000 |
| Pittsburgh, PA | 244 | $ 22,125,000 | $ 90,676 | $ 77,000 |
| Michigan City-La Porte, IN | 233 | $ 19,331,000 | $ 82,965 | $ 61,000 |
| Cape Coral-Fort Myers, FL | 222 | $ 18,878,000 | $ 85,036 | $ 65,000 |
| Flint, MI | 218 | $ 16,239,000 | $ 74,490 | $ 70,000 |
| South Bend-Mishawaka, IN-MI | 208 | $ 16,517,000 | $ 79,408 | $ 60,423 |
| North Port-Bradenton-Sarasota, FL | 192 | $ 16,925,000 | $ 88,151 | $ 69,000 |
| Naples-Marco Island, FL | 155 | $ 16,955,000 | $ 109,387 | $ 88,000 |
| Lima, OH | 154 | $ 9,321,000 | $ 60,525 | $ 56,000 |
| Owensboro, KY | 148 | $ 12,669,000 | $ 85,601 | $ 71,000 |
| Springfield, OH | 143 | $ 11,190,000 | $ 78,251 | $ 62,000 |
| St. Louis, MO-IL | 137 | $ 12,632,000 | $ 92,204 | $ 69,810 |
| Jackson, MI | 133 | $ 12,324,000 | $ 92,661 | $ 67,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 117 | $ 9,029,000 | $ 77,170 | $ 57,000 |
| Battle Creek, MI | 114 | $ 7,644,000 | $ 67,052 | $ 56,000 |
| Ann Arbor, MI | 112 | $ 14,025,000 | $ 125,223 | $ 97,000 |
| Sandusky, OH | 105 | $ 9,486,000 | $ 90,342 | $ 74,000 |
| Bloomington, IN | 100 | $ 6,571,000 | $ 65,710 | $ 57,000 |
| Augusta-Richmond County, GA-SC | 97 | $ 7,877,000 | $ 81,206 | $ 58,154 |
| Raleigh-Cary, NC | 97 | $ 13,442,000 | $ 138,577 | $ 90,000 |
| Hickory-Lenoir-Morganton, NC | 86 | $ 8,374,000 | $ 97,372 | $ 63,000 |
| Lafayette, IN | 85 | $ 5,695,000 | $ 67,000 | $ 56,000 |
| Jacksonville, FL | 83 | $ 7,337,000 | $ 88,397 | $ 72,000 |
| Knoxville, TN | 79 | $ 12,188,000 | $ 154,278 | $ 89,000 |
| Asheville, NC | 77 | $ 10,375,000 | $ 134,740 | $ 80,000 |
| Saginaw-Saginaw Township North, MI | 69 | $ 5,942,000 | $ 86,115 | $ 90,000 |
| Lakeland-Winter Haven, FL | 64 | $ 5,700,000 | $ 89,062 | $ 72,000 |
| Elkhart-Goshen, IN | 63 | $ 5,276,000 | $ 83,746 | $ 57,000 |
| Rockford, IL | 57 | $ 4,496,000 | $ 78,877 | $ 69,000 |
| Bay City, MI | 47 | $ 3,592,000 | $ 76,425 | $ 68,000 |
| Columbus, IN | 46 | $ 3,440,000 | $ 74,782 | $ 56,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 34 | $ 6,446,000 | $ 189,588 | $ 59,000 |
| Punta Gorda, FL | 33 | $ 2,443,000 | $ 74,030 | $ 67,000 |
| Youngstown-Warren-Boardman, OH-PA | 32 | $ 2,346,000 | $ 73,312 | $ 53,437 |
| Clarksville, TN-KY | 26 | $ 2,281,000 | $ 87,730 | $ 61,730 |
| Anderson, IN | 24 | $ 1,777,000 | $ 74,041 | $ 62,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 21 | $ 4,854,000 | $ 231,142 | $ 67,000 |
| Mansfield, OH | 20 | $ 1,293,000 | $ 64,650 | $ 60,000 |
| Miami-Miami Beach-Kendall, FL | 17 | $ 3,399,000 | $ 199,941 | $ 56,000 |
| Kokomo, IN | 14 | $ 835,000 | $ 59,642 | $ 65,000 |
| Durham-Chapel Hill, NC | 13 | $ 1,258,000 | $ 96,769 | $ 92,000 |
| Houston-Sugar Land-Baytown, TX | 13 | $ 11,097,000 | $ 853,615 | $ 0 |
| Bowling Green, KY | 10 | $ 1,045,000 | $ 104,500 | $ 111,000 |
| Greensboro-High Point, NC | 10 | $ 1,000,000 | $ 100,000 | $ 84,000 |
| Kankakee-Bradley, IL | 10 | $ 632,000 | $ 63,200 | $ 56,000 |
| Palm Coast, FL | 9 | $ 632,000 | $ 70,222 | $ 73,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 9 | $ 560,000 | $ 62,222 | $ 55,000 |
| Danville, IL | 8 | $ 439,000 | $ 54,875 | $ 61,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 8 | $ 1,583,000 | $ 197,875 | $ 85,000 |
| Peoria, IL | 8 | $ 505,000 | $ 63,125 | $ 43,000 |
| Port St. Lucie, FL | 8 | $ 1,047,000 | $ 130,875 | $ 45,000 |
| Winston-Salem, NC | 8 | $ 1,576,000 | $ 197,000 | $ 82,000 |
| Chattanooga, TN-GA | 7 | $ 1,684,000 | $ 240,571 | $ 77,000 |
| Gainesville, GA | 7 | $ 1,153,000 | $ 164,714 | $ 95,000 |
| Johnson City, TN | 7 | $ 1,075,000 | $ 153,571 | $ 95,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 740,000 | $ 105,714 | $ 87,000 |
| Athens-Clarke County, GA | 6 | $ 593,000 | $ 98,833 | $ 83,000 |
| Columbia, SC | 6 | $ 675,000 | $ 112,500 | $ 86,000 |
| Dallas-Plano-Irving, TX | 6 | $ 2,899,000 | $ 483,166 | $ 1,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 334,000 | $ 55,666 | $ 80,000 |
| Ocala, FL | 6 | $ 863,000 | $ 143,833 | $ 71,000 |
| Morristown, TN | 5 | $ 704,000 | $ 140,800 | $ 111,000 |
| Rocky Mount, NC | 5 | $ 378,000 | $ 75,600 | $ 76,000 |
| Springfield, IL | 5 | $ 644,000 | $ 128,800 | $ 87,000 |
| Wilmington, NC | 5 | $ 844,000 | $ 168,800 | $ 110,000 |
| Erie, PA | 4 | $ 216,000 | $ 54,000 | $ 47,000 |
| Fayetteville, NC | 4 | $ 332,000 | $ 83,000 | $ 70,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 192,000 | $ 48,000 | $ 104,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 169,000 | $ 56,333 | $ 40,000 |
| Brunswick, GA | 3 | $ 348,000 | $ 116,000 | $ 83,000 |
| Champaign-Urbana, IL | 3 | $ 444,000 | $ 148,000 | $ 331,000 |
| Denver-Aurora-Broomfield, CO | 3 | $ 2,563,000 | $ 854,333 | $ 0 |
| Elizabethtown, KY | 3 | $ 205,000 | $ 68,333 | $ 50,000 |
| Kansas City, MO-KS | 3 | $ 461,000 | $ 153,666 | $ 129,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 3 | $ 894,000 | $ 298,000 | $ 264,000 |
| Phoenix-Mesa-Glendale, AZ | 3 | $ 2,400,000 | $ 800,000 | $ 0 |
| Rome, GA | 3 | $ 258,000 | $ 86,000 | $ 44,000 |
| Spartanburg, SC | 3 | $ 345,000 | $ 115,000 | $ 40,000 |
| Steubenville-Weirton, OH-WV | 3 | $ 244,000 | $ 81,333 | $ 76,000 |
| Sumter, SC | 3 | $ 255,000 | $ 85,000 | $ 67,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 2,679,000 | $ 893,000 | $ 0 |
| Wheeling, WV-OH | 3 | $ 237,000 | $ 79,000 | $ 70,000 |
| Albany, GA | 2 | $ 350,000 | $ 175,000 | $ 65,000 |
| Baltimore-Towson, MD | 2 | $ 1,129,000 | $ 564,500 | $ 0 |
| Bethesda-Rockville-Frederick, MD | 2 | $ 1,369,000 | $ 684,500 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 1,270,000 | $ 635,000 | $ 0 |
| Burlington, NC | 2 | $ 231,000 | $ 115,500 | $ 45,000 |
| Cape Girardeau-Jackson, MO-IL | 2 | $ 196,000 | $ 98,000 | $ 47,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 647,000 | $ 323,500 | $ 112,000 |
| Edison-New Brunswick, NJ | 2 | $ 1,945,000 | $ 972,500 | $ 0 |
| Fort Worth-Arlington, TX | 2 | $ 1,572,000 | $ 786,000 | $ 0 |
| Goldsboro, NC | 2 | $ 205,000 | $ 102,500 | $ 42,000 |
| Greenville-Mauldin-Easley, SC | 2 | $ 242,000 | $ 121,000 | $ 84,000 |
| Jackson, TN | 2 | $ 372,000 | $ 186,000 | $ 239,000 |
| Muncie, IN | 2 | $ 85,000 | $ 42,500 | $ 55,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 1,875,000 | $ 937,500 | $ 0 |
| Philadelphia, PA | 2 | $ 58,000 | $ 29,000 | $ 96,000 |
| Savannah, GA | 2 | $ 202,000 | $ 101,000 | $ 106,000 |
| Albuquerque, NM | 1 | $ 460,000 | $ 460,000 | $ 0 |
| Altoona, PA | 1 | $ 6,000 | $ 6,000 | $ 39,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 497,000 | $ 497,000 | $ 0 |
| Bloomington-Normal, IL | 1 | $ 42,000 | $ 42,000 | $ 37,000 |
| Boston-Quincy, MA | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 640,000 | $ 640,000 | $ 0 |
| Cleveland, TN | 1 | $ 97,000 | $ 97,000 | $ 40,000 |
| Columbus, GA-AL | 1 | $ 57,000 | $ 57,000 | $ 41,000 |
| Decatur, IL | 1 | $ 80,000 | $ 80,000 | $ 53,000 |
| Florence, SC | 1 | $ 56,000 | $ 56,000 | $ 61,000 |
| Gainesville, FL | 1 | $ 178,000 | $ 178,000 | $ 86,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
| Johnstown, PA | 1 | $ 78,000 | $ 78,000 | $ 33,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 110,000 | $ 110,000 | $ 72,000 |
| Las Vegas-Paradise, NV | 1 | $ 1,245,000 | $ 1,245,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 74,000 | $ 74,000 | $ 47,000 |
| Morgantown, WV | 1 | $ 112,000 | $ 112,000 | $ 106,000 |
| Nassau-Suffolk, NY | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Newark-Union, NJ-PA | 1 | $ 75,000 | $ 75,000 | $ 6,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,161,000 |
| State College, PA | 1 | $ 20,000 | $ 20,000 | $ 112,000 |
| Tallahassee, FL | 1 | $ 79,000 | $ 79,000 | $ 273,000 |
| Worcester, MA | 1 | $ 429,000 | $ 429,000 | $ 0 |
Mortgage Loan Application Detail Totals for Fifth Third Bank in 2012
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 | 40,721 | $3,765,179,000 | $92,000 | $2,000,000 | $70,000 | $4,300,000 |
| Home Improvement | 3,633 | $167,056,000 | $45,000 | $417,000 | $63,000 | $5,295,000 |
| Home Purchase | 263 | $48,793,000 | $185,000 | $1,995,000 | $57,000 | $569,000 |
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 | 37,498 | $3,281,822,000 | $87,000 | $1,320,000 | $70,000 | $5,295,000 |
| Not Provided | 2,382 | $227,917,000 | $95,000 | $417,000 | $73,000 | $3,000,000 |
| Black or African American | 2,027 | $144,442,000 | $71,000 | $417,000 | $58,000 | $695,000 |
| Hispanic | 1,429 | $119,775,000 | $83,000 | $417,000 | $56,000 | $1,000,000 |
| Asian | 785 | $87,915,000 | $111,000 | $406,000 | $79,000 | $1,000,000 |
| American Indian or Alaskan Native | 306 | $25,318,000 | $82,000 | $417,000 | $69,000 | $900,000 |
| Not applicable | 111 | $85,477,000 | $770,000 | $2,000,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 79 | $8,362,000 | $105,000 | $310,000 | $73,000 | $251,000 |
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) | 44,617 | $3,981,028,000 | $89,000 | $2,000,000 | $69,000 | $5,295,000 |
| 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 | 19,332 | $1,621,335,000 | $83,000 | $1,593,000 | $72,000 | $5,295,000 |
| Application Denied By Financial Institution | 18,838 | $1,691,706,000 | $89,000 | $800,000 | $63,000 | $4,300,000 |
| File Closed For Incompleteness | 2,896 | $276,523,000 | $95,000 | $417,000 | $83,000 | $2,000,000 |
| Application Withdrawn By Applicant | 2,808 | $257,343,000 | $91,000 | $830,000 | $80,000 | $4,000,000 |
| Application Approved But Not Accepted | 650 | $59,559,000 | $91,000 | $417,000 | $75,000 | $739,000 |
| Loan Purchased By The Institution | 93 | $74,562,000 | $801,000 | $2,000,000 | $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 | 6,430 | $648,304,000 | $100,000 | $800,000 | $71,000 | $900,000 |
| Credit History | 6,255 | $483,548,000 | $77,000 | $417,000 | $65,000 | $3,000,000 |
| Debt-To-Income Ratio | 4,618 | $434,426,000 | $94,000 | $417,000 | $44,000 | $833,000 |
| Other | 956 | $76,509,000 | $80,000 | $417,000 | $86,000 | $4,300,000 |
| Unverifiable Information | 369 | $32,649,000 | $88,000 | $417,000 | $65,000 | $750,000 |
| Employment History | 210 | $16,270,000 | $77,000 | $262,000 | $54,000 | $800,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fifth Third Bank's 2012 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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