Fifth Third Bank Mortgage Lending & HMDA Data, 2014
In 2014, Fifth Third Bank of Cincinnati, OH reported 15,867 mortgage applications totaling $1.3 billion, down 58% from 2013. The average application was for $84,606, and applicants reported an average income of $68,215. 34% of its applications resulted in an originated loan and 51% were denied. Its largest markets were Cincinnati, OH-KY-IN (1,684), Cleveland-Elyria, OH (836) and Grand Rapids-Wyoming, MI (740) (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 | 15,867 |
| Total Mortgage Loan Application Amount | $1,342,449,000 |
| Average Mortgage Loan Application Amount | $84,606 |
| Highest Mortgage Loan Application Amount | $29,910,000 |
| Average Applicant Income | $68,215 |
| Highest Applicant Income | $9,772,000 |
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Act (HMDA) records Fifth Third Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,684 | $ 156,154,000 | $ 92,728 | $ 70,383 |
| Cleveland-Elyria, OH | 836 | $ 66,273,000 | $ 79,273 | $ 70,000 |
| Grand Rapids-Wyoming, MI | 740 | $ 57,285,000 | $ 77,412 | $ 65,000 |
| Chicago-Naperville-Arlington Heights, IL | 730 | $ 62,739,000 | $ 85,943 | $ 73,000 |
| Charlotte-Concord-Gastonia, NC-SC | 601 | $ 54,988,000 | $ 91,494 | $ 80,000 |
| Dayton, OH | 590 | $ 38,924,000 | $ 65,972 | $ 60,000 |
| Louisville/Jefferson County, KY-IN | 587 | $ 50,083,000 | $ 85,320 | $ 63,737 |
| Columbus, OH | 570 | $ 59,930,000 | $ 105,140 | $ 70,000 |
| Toledo, OH | 539 | $ 42,866,000 | $ 79,528 | $ 64,000 |
| Warren-Troy-Farmington Hills, MI | 480 | $ 36,822,000 | $ 76,712 | $ 75,000 |
| Indianapolis-Carmel-Anderson, IN | 455 | $ 32,526,000 | $ 71,485 | $ 75,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 322 | $ 35,136,000 | $ 109,118 | $ 75,000 |
| Orlando-Kissimmee-Sanford, FL | 313 | $ 31,368,000 | $ 100,217 | $ 72,000 |
| Evansville, IN-KY | 304 | $ 20,381,000 | $ 67,042 | $ 61,526 |
| Gary, IN | 284 | $ 20,264,000 | $ 71,352 | $ 66,000 |
| Tampa-St. Petersburg-Clearwater, FL | 264 | $ 24,992,000 | $ 94,666 | $ 75,000 |
| Detroit-Dearborn-Livonia, MI | 241 | $ 16,548,000 | $ 68,663 | $ 65,000 |
| Akron, OH | 226 | $ 19,246,000 | $ 85,159 | $ 68,000 |
| Lansing-East Lansing, MI | 223 | $ 23,318,000 | $ 104,565 | $ 64,000 |
| Huntington-Ashland, WV-KY-OH | 189 | $ 15,024,000 | $ 79,492 | $ 66,343 |
| Kalamazoo-Portage, MI | 171 | $ 11,680,000 | $ 68,304 | $ 63,000 |
| Lexington-Fayette, KY | 163 | $ 15,064,000 | $ 92,417 | $ 78,000 |
| Niles-Benton Harbor, MI | 147 | $ 10,967,000 | $ 74,605 | $ 61,000 |
| Muskegon, MI | 142 | $ 8,198,000 | $ 57,732 | $ 52,000 |
| Elgin, IL | 134 | $ 13,002,000 | $ 97,029 | $ 75,000 |
| Atlanta-Sandy Springs-Roswell, GA | 130 | $ 18,687,000 | $ 143,746 | $ 111,000 |
| Fort Wayne, IN | 110 | $ 6,398,000 | $ 58,163 | $ 50,000 |
| Monroe, MI | 106 | $ 8,630,000 | $ 81,415 | $ 78,000 |
| Terre Haute, IN | 103 | $ 4,883,000 | $ 47,407 | $ 53,000 |
| Cape Coral-Fort Myers, FL | 92 | $ 7,914,000 | $ 86,021 | $ 68,000 |
| Flint, MI | 91 | $ 4,016,000 | $ 44,131 | $ 60,000 |
| Pittsburgh, PA | 89 | $ 6,420,000 | $ 72,134 | $ 70,000 |
| Lima, OH | 86 | $ 4,793,000 | $ 55,732 | $ 51,000 |
| North Port-Sarasota-Bradenton, FL | 80 | $ 7,296,000 | $ 91,200 | $ 79,000 |
| Canton-Massillon, OH | 79 | $ 6,675,000 | $ 84,493 | $ 67,000 |
| South Bend-Mishawaka, IN-MI | 76 | $ 6,147,000 | $ 80,881 | $ 63,934 |
| Michigan City-La Porte, IN | 73 | $ 4,892,000 | $ 67,013 | $ 55,000 |
| Naples-Immokalee-Marco Island, FL | 72 | $ 7,272,000 | $ 101,000 | $ 71,000 |
| Lake County-Kenosha County, IL-WI | 67 | $ 6,865,000 | $ 102,462 | $ 85,626 |
| Deltona-Daytona Beach-Ormond Beach, FL | 64 | $ 4,863,000 | $ 75,984 | $ 57,000 |
| Owensboro, KY | 59 | $ 4,487,000 | $ 76,050 | $ 57,000 |
| St. Louis, MO-IL | 59 | $ 3,730,000 | $ 63,220 | $ 66,915 |
| Jacksonville, FL | 58 | $ 5,709,000 | $ 98,431 | $ 74,000 |
| Jackson, MI | 56 | $ 4,365,000 | $ 77,946 | $ 60,000 |
| Charleston, WV | 55 | $ 4,301,000 | $ 78,200 | $ 66,000 |
| Springfield, OH | 50 | $ 3,229,000 | $ 64,580 | $ 66,000 |
| Raleigh, NC | 49 | $ 6,615,000 | $ 135,000 | $ 107,000 |
| Lafayette-West Lafayette, IN | 44 | $ 2,264,000 | $ 51,454 | $ 57,000 |
| Augusta-Richmond County, GA-SC | 39 | $ 2,064,000 | $ 52,923 | $ 50,000 |
| Battle Creek, MI | 37 | $ 2,224,000 | $ 60,108 | $ 58,000 |
| Carbondale-Marion, IL | 31 | $ 2,412,000 | $ 77,806 | $ 71,000 |
| Lakeland-Winter Haven, FL | 31 | $ 2,671,000 | $ 86,161 | $ 55,000 |
| Knoxville, TN | 29 | $ 4,083,000 | $ 140,793 | $ 113,000 |
| Asheville, NC | 27 | $ 3,021,000 | $ 111,888 | $ 62,000 |
| Hickory-Lenoir-Morganton, NC | 26 | $ 2,196,000 | $ 84,461 | $ 57,000 |
| Ann Arbor, MI | 23 | $ 2,411,000 | $ 104,826 | $ 151,000 |
| Rockford, IL | 21 | $ 1,204,000 | $ 57,333 | $ 83,000 |
| Saginaw, MI | 21 | $ 1,566,000 | $ 74,571 | $ 61,000 |
| Bay City, MI | 20 | $ 1,427,000 | $ 71,350 | $ 67,000 |
| Punta Gorda, FL | 20 | $ 1,181,000 | $ 59,050 | $ 71,000 |
| Bloomington, IN | 19 | $ 995,000 | $ 52,368 | $ 61,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 1,593,000 | $ 113,785 | $ 111,000 |
| Columbus, IN | 13 | $ 710,000 | $ 54,615 | $ 58,000 |
| Elkhart-Goshen, IN | 13 | $ 714,000 | $ 54,923 | $ 57,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 12 | $ 2,848,000 | $ 237,333 | $ 144,000 |
| Durham-Chapel Hill, NC | 8 | $ 1,552,000 | $ 194,000 | $ 106,000 |
| Elizabethtown-Fort Knox, KY | 8 | $ 632,000 | $ 79,000 | $ 73,000 |
| Midland, MI | 8 | $ 681,000 | $ 85,125 | $ 60,000 |
| Youngstown-Warren-Boardman, OH-PA | 8 | $ 516,000 | $ 64,500 | $ 35,000 |
| Clarksville, TN-KY | 6 | $ 578,000 | $ 96,333 | $ 84,000 |
| Ocala, FL | 6 | $ 494,000 | $ 82,333 | $ 111,000 |
| Bowling Green, KY | 5 | $ 382,000 | $ 76,400 | $ 88,000 |
| Kankakee, IL | 5 | $ 381,000 | $ 76,200 | $ 63,000 |
| Mansfield, OH | 5 | $ 252,000 | $ 50,400 | $ 63,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 650,000 | $ 130,000 | $ 87,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 385,000 | $ 77,000 | $ 80,000 |
| Winston-Salem, NC | 4 | $ 217,000 | $ 54,250 | $ 72,000 |
| Danville, IL | 3 | $ 158,000 | $ 52,666 | $ 43,000 |
| Homosassa Springs, FL | 3 | $ 165,000 | $ 55,000 | $ 113,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 665,000 | $ 221,666 | $ 197,666 |
| Peoria, IL | 3 | $ 104,000 | $ 34,666 | $ 54,000 |
| Sebastian-Vero Beach, FL | 3 | $ 303,000 | $ 101,000 | $ 159,000 |
| Sebring, FL | 3 | $ 156,000 | $ 52,000 | $ 43,000 |
| Beckley, WV | 2 | $ 222,000 | $ 111,000 | $ 79,000 |
| Chattanooga, TN-GA | 2 | $ 110,000 | $ 55,000 | $ 49,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 131,000 | $ 65,500 | $ 84,000 |
| Fayetteville, NC | 2 | $ 211,000 | $ 105,500 | $ 50,000 |
| Gainesville, GA | 2 | $ 1,691,000 | $ 845,500 | $ 770,000 |
| Greensboro-High Point, NC | 2 | $ 160,000 | $ 80,000 | $ 56,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 30,510,000 | $ 15,255,000 | $ 0 |
| Port St. Lucie, FL | 2 | $ 81,000 | $ 40,500 | $ 88,000 |
| The Villages, FL | 2 | $ 194,000 | $ 97,000 | $ 100,000 |
| Wheeling, WV-OH | 2 | $ 40,000 | $ 20,000 | $ 46,000 |
| Wilmington, NC | 2 | $ 369,000 | $ 184,500 | $ 140,000 |
| Bloomington, IL | 1 | $ 50,000 | $ 50,000 | $ 57,000 |
| Burlington, NC | 1 | $ 96,000 | $ 96,000 | $ 65,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Cape Girardeau, MO-IL | 1 | $ 140,000 | $ 140,000 | $ 74,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 120,000 | $ 120,000 | $ 123,000 |
| Champaign-Urbana, IL | 1 | $ 21,000 | $ 21,000 | $ 76,000 |
| Dallas-Plano-Irving, TX | 1 | $ 20,200,000 | $ 20,200,000 | $ 0 |
| Gainesville, FL | 1 | $ 134,000 | $ 134,000 | $ 96,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 142,000 | $ 142,000 | $ 47,000 |
| Hinesville, GA | 1 | $ 38,000 | $ 38,000 | $ 97,000 |
| Johnson City, TN | 1 | $ 144,000 | $ 144,000 | $ 108,000 |
| Kokomo, IN | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Morristown, TN | 1 | $ 158,000 | $ 158,000 | $ 58,000 |
| Muncie, IN | 1 | $ 80,000 | $ 80,000 | $ 93,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 623,000 | $ 623,000 | $ 98,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,725,000 |
| Rocky Mount, NC | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
| Savannah, GA | 1 | $ 117,000 | $ 117,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for Fifth Third Bank in 2014
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 | 11,455 | $1,022,222,000 | $89,000 | $8,300,000 | $70,000 | $9,772,000 |
| Home Improvement | 4,187 | $211,982,000 | $50,000 | $417,000 | $62,000 | $1,100,000 |
| Home Purchase | 225 | $108,245,000 | $481,000 | $29,910,000 | $93,000 | $2,000,000 |
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 | 12,739 | $1,005,841,000 | $78,000 | $3,485,000 | $69,000 | $9,772,000 |
| Black or African American | 1,079 | $64,398,000 | $59,000 | $417,000 | $55,000 | $660,000 |
| Not Provided | 855 | $69,873,000 | $81,000 | $410,000 | $72,000 | $500,000 |
| Hispanic | 726 | $55,684,000 | $76,000 | $417,000 | $57,000 | $1,180,000 |
| Asian | 303 | $32,082,000 | $105,000 | $1,500,000 | $102,000 | $4,000,000 |
| American Indian or Alaskan Native | 114 | $9,974,000 | $87,000 | $417,000 | $80,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 34 | $3,310,000 | $97,000 | $320,000 | $134,000 | $2,000,000 |
| Not applicable | 17 | $101,287,000 | $5,958,000 | $29,910,000 | $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) | 15,867 | $1,342,449,000 | $84,000 | $29,910,000 | $69,000 | $9,772,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 8,150 | $624,875,000 | $76,000 | $417,000 | $62,000 | $1,450,000 |
| Loan Originated | 5,426 | $520,115,000 | $95,000 | $29,910,000 | $72,000 | $9,772,000 |
| File Closed For Incompleteness | 1,333 | $121,017,000 | $90,000 | $1,658,000 | $89,000 | $4,000,000 |
| Application Withdrawn By Applicant | 752 | $61,867,000 | $82,000 | $710,000 | $78,000 | $2,000,000 |
| Application Approved But Not Accepted | 206 | $14,575,000 | $70,000 | $402,000 | $76,000 | $551,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3,994 | $276,359,000 | $69,000 | $417,000 | $64,000 | $1,450,000 |
| Debt-To-Income Ratio | 2,273 | $192,269,000 | $84,000 | $417,000 | $49,000 | $500,000 |
| Collateral | 1,280 | $112,061,000 | $87,000 | $417,000 | $71,000 | $695,000 |
| Unverifiable Information | 203 | $12,720,000 | $62,000 | $400,000 | $63,000 | $777,000 |
| Other | 185 | $12,444,000 | $67,000 | $234,000 | $68,000 | $264,000 |
| Credit Application Incomplete | 183 | $16,361,000 | $89,000 | $366,000 | $90,000 | $750,000 |
| Employment History | 31 | $2,357,000 | $76,000 | $271,000 | $46,000 | $130,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $304,000 | $304,000 | $304,000 | $103,000 | $103,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fifth Third Bank's 2014 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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