Fifth Third Bank Mortgage Lending & HMDA Data, 2015
In 2015, Fifth Third Bank of Cincinnati, OH reported 16,601 mortgage applications totaling $1.4 billion, up 5% from 2014. The average application was for $85,729, and applicants reported an average income of $69,023. 39% of its applications resulted in an originated loan and 41% were denied. Its largest markets were Cincinnati, OH-KY-IN (1,761), Cleveland-Elyria, OH (890) and Grand Rapids-Wyoming, MI (859) (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 | 16,601 |
| Total Mortgage Loan Application Amount | $1,423,196,000 |
| Average Mortgage Loan Application Amount | $85,729 |
| Highest Mortgage Loan Application Amount | $11,400,000 |
| Average Applicant Income | $69,023 |
| Highest Applicant Income | $1,738,000 |
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Act (HMDA) records Fifth Third Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,761 | $ 144,474,000 | $ 82,040 | $ 68,345 |
| Cleveland-Elyria, OH | 890 | $ 72,715,000 | $ 81,702 | $ 72,000 |
| Grand Rapids-Wyoming, MI | 859 | $ 67,447,000 | $ 78,518 | $ 61,000 |
| Chicago-Naperville-Arlington Heights, IL | 717 | $ 71,575,000 | $ 99,825 | $ 74,000 |
| Louisville/Jefferson County, KY-IN | 707 | $ 61,699,000 | $ 87,268 | $ 66,144 |
| Dayton, OH | 641 | $ 46,508,000 | $ 72,555 | $ 63,000 |
| Columbus, OH | 630 | $ 51,385,000 | $ 81,563 | $ 74,000 |
| Charlotte-Concord-Gastonia, NC-SC | 607 | $ 57,901,000 | $ 95,388 | $ 63,963 |
| Toledo, OH | 595 | $ 46,237,000 | $ 77,709 | $ 71,000 |
| Warren-Troy-Farmington Hills, MI | 483 | $ 42,543,000 | $ 88,080 | $ 77,000 |
| Indianapolis-Carmel-Anderson, IN | 425 | $ 33,456,000 | $ 78,720 | $ 67,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 375 | $ 41,835,000 | $ 111,560 | $ 76,000 |
| Gary, IN | 371 | $ 32,609,000 | $ 87,894 | $ 70,000 |
| Evansville, IN-KY | 301 | $ 19,883,000 | $ 66,056 | $ 60,000 |
| Akron, OH | 288 | $ 26,563,000 | $ 92,232 | $ 75,000 |
| Muskegon, MI | 245 | $ 14,383,000 | $ 58,706 | $ 54,000 |
| Huntington-Ashland, WV-KY-OH | 237 | $ 18,703,000 | $ 78,915 | $ 74,645 |
| Detroit-Dearborn-Livonia, MI | 218 | $ 18,451,000 | $ 84,637 | $ 68,000 |
| Tampa-St. Petersburg-Clearwater, FL | 214 | $ 19,611,000 | $ 91,640 | $ 73,000 |
| Lansing-East Lansing, MI | 209 | $ 17,776,000 | $ 85,052 | $ 78,000 |
| Orlando-Kissimmee-Sanford, FL | 186 | $ 20,107,000 | $ 108,102 | $ 75,000 |
| Elgin, IL | 174 | $ 17,935,000 | $ 103,074 | $ 71,000 |
| Lexington-Fayette, KY | 153 | $ 13,322,000 | $ 87,071 | $ 69,000 |
| Atlanta-Sandy Springs-Roswell, GA | 147 | $ 36,412,000 | $ 247,700 | $ 83,000 |
| Kalamazoo-Portage, MI | 137 | $ 10,609,000 | $ 77,437 | $ 58,000 |
| Niles-Benton Harbor, MI | 132 | $ 9,542,000 | $ 72,287 | $ 60,000 |
| Terre Haute, IN | 125 | $ 6,291,000 | $ 50,328 | $ 52,000 |
| Monroe, MI | 115 | $ 10,767,000 | $ 93,626 | $ 90,000 |
| Fort Wayne, IN | 109 | $ 5,789,000 | $ 53,110 | $ 50,000 |
| Pittsburgh, PA | 108 | $ 14,458,000 | $ 133,870 | $ 84,000 |
| Lake County-Kenosha County, IL-WI | 97 | $ 10,257,000 | $ 105,742 | $ 85,000 |
| Cape Coral-Fort Myers, FL | 96 | $ 8,717,000 | $ 90,802 | $ 74,000 |
| Flint, MI | 87 | $ 6,004,000 | $ 69,011 | $ 59,000 |
| Michigan City-La Porte, IN | 86 | $ 6,469,000 | $ 75,220 | $ 69,000 |
| Canton-Massillon, OH | 85 | $ 6,018,000 | $ 70,800 | $ 74,000 |
| Lima, OH | 85 | $ 5,332,000 | $ 62,729 | $ 55,000 |
| Jacksonville, FL | 69 | $ 6,260,000 | $ 90,724 | $ 70,000 |
| Raleigh, NC | 68 | $ 13,054,000 | $ 191,970 | $ 122,000 |
| South Bend-Mishawaka, IN-MI | 68 | $ 5,238,000 | $ 77,029 | $ 69,882 |
| Naples-Immokalee-Marco Island, FL | 67 | $ 7,807,000 | $ 116,522 | $ 74,000 |
| Springfield, OH | 60 | $ 3,779,000 | $ 62,983 | $ 63,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 56 | $ 5,523,000 | $ 98,625 | $ 70,000 |
| North Port-Sarasota-Bradenton, FL | 50 | $ 3,849,000 | $ 76,980 | $ 80,000 |
| Charleston, WV | 43 | $ 3,417,000 | $ 79,465 | $ 74,000 |
| Lafayette-West Lafayette, IN | 42 | $ 3,234,000 | $ 77,000 | $ 64,000 |
| Owensboro, KY | 42 | $ 2,356,000 | $ 56,095 | $ 54,000 |
| St. Louis, MO-IL | 39 | $ 2,728,000 | $ 69,948 | $ 69,974 |
| Asheville, NC | 38 | $ 4,948,000 | $ 130,210 | $ 66,000 |
| Knoxville, TN | 38 | $ 3,825,000 | $ 100,657 | $ 69,000 |
| Rockford, IL | 35 | $ 1,959,000 | $ 55,971 | $ 58,000 |
| Jackson, MI | 34 | $ 2,591,000 | $ 76,205 | $ 72,000 |
| Ann Arbor, MI | 33 | $ 2,958,000 | $ 89,636 | $ 89,000 |
| Carbondale-Marion, IL | 33 | $ 1,669,000 | $ 50,575 | $ 55,000 |
| Hickory-Lenoir-Morganton, NC | 30 | $ 2,534,000 | $ 84,466 | $ 48,000 |
| Augusta-Richmond County, GA-SC | 28 | $ 1,300,000 | $ 46,428 | $ 60,714 |
| Battle Creek, MI | 28 | $ 2,082,000 | $ 74,357 | $ 73,000 |
| Saginaw, MI | 26 | $ 2,099,000 | $ 80,730 | $ 103,000 |
| Lakeland-Winter Haven, FL | 25 | $ 1,741,000 | $ 69,640 | $ 63,000 |
| Elkhart-Goshen, IN | 16 | $ 1,049,000 | $ 65,562 | $ 54,000 |
| Bay City, MI | 15 | $ 1,091,000 | $ 72,733 | $ 74,000 |
| Durham-Chapel Hill, NC | 15 | $ 2,795,000 | $ 186,333 | $ 102,000 |
| Bloomington, IN | 10 | $ 370,000 | $ 37,000 | $ 52,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 11,948,000 | $ 1,194,800 | $ 237,000 |
| Columbus, IN | 9 | $ 750,000 | $ 83,333 | $ 98,000 |
| Elizabethtown-Fort Knox, KY | 9 | $ 622,000 | $ 69,111 | $ 56,000 |
| Youngstown-Warren-Boardman, OH-PA | 9 | $ 676,000 | $ 75,111 | $ 56,666 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 1,458,000 | $ 182,250 | $ 135,000 |
| Danville, IL | 7 | $ 588,000 | $ 84,000 | $ 73,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 3,492,000 | $ 498,857 | $ 237,000 |
| Winston-Salem, NC | 7 | $ 711,000 | $ 101,571 | $ 54,000 |
| Kankakee, IL | 6 | $ 588,000 | $ 98,000 | $ 71,000 |
| Punta Gorda, FL | 6 | $ 243,000 | $ 40,500 | $ 37,000 |
| Athens-Clarke County, GA | 5 | $ 805,000 | $ 161,000 | $ 111,000 |
| The Villages, FL | 5 | $ 653,000 | $ 130,600 | $ 68,000 |
| Gainesville, GA | 4 | $ 428,000 | $ 107,000 | $ 107,000 |
| Mansfield, OH | 4 | $ 269,000 | $ 67,250 | $ 70,000 |
| Muncie, IN | 4 | $ 114,000 | $ 28,500 | $ 40,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 359,000 | $ 89,750 | $ 72,000 |
| Warner Robins, GA | 4 | $ 309,000 | $ 77,250 | $ 42,000 |
| Wheeling, WV-OH | 4 | $ 349,000 | $ 87,250 | $ 594,000 |
| Clarksville, TN-KY | 3 | $ 275,000 | $ 91,666 | $ 54,000 |
| Decatur, IL | 3 | $ 51,000 | $ 17,000 | $ 70,000 |
| Kokomo, IN | 3 | $ 309,000 | $ 103,000 | $ 84,000 |
| Midland, MI | 3 | $ 253,000 | $ 84,333 | $ 69,000 |
| Morristown, TN | 3 | $ 223,000 | $ 74,333 | $ 61,000 |
| Savannah, GA | 3 | $ 281,000 | $ 93,666 | $ 108,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 224,000 | $ 74,666 | $ 105,000 |
| Wilmington, NC | 3 | $ 758,000 | $ 252,666 | $ 145,000 |
| Bowling Green, KY | 2 | $ 177,000 | $ 88,500 | $ 51,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 352,000 | $ 176,000 | $ 119,000 |
| Greensboro-High Point, NC | 2 | $ 190,000 | $ 95,000 | $ 78,000 |
| Harrisburg-Carlisle, PA | 2 | $ 121,000 | $ 60,500 | $ 100,000 |
| Homosassa Springs, FL | 2 | $ 78,000 | $ 39,000 | $ 35,000 |
| Johnson City, TN | 2 | $ 449,000 | $ 224,500 | $ 116,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 527,000 | $ 263,500 | $ 120,000 |
| Port St. Lucie, FL | 2 | $ 105,000 | $ 52,500 | $ 56,000 |
| Spartanburg, SC | 2 | $ 143,000 | $ 71,500 | $ 73,000 |
| Albany, GA | 1 | $ 50,000 | $ 50,000 | $ 80,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 131,000 | $ 131,000 | $ 42,000 |
| Brunswick, GA | 1 | $ 33,000 | $ 33,000 | $ 56,000 |
| Cape Girardeau, MO-IL | 1 | $ 43,000 | $ 43,000 | $ 106,000 |
| Chattanooga, TN-GA | 1 | $ 146,000 | $ 146,000 | $ 101,000 |
| Columbia, SC | 1 | $ 10,000 | $ 10,000 | $ 40,000 |
| Gainesville, FL | 1 | $ 10,000 | $ 10,000 | $ 42,000 |
| Jacksonville, NC | 1 | $ 220,000 | $ 220,000 | $ 44,000 |
| Memphis, TN-MS-AR | 1 | $ 74,000 | $ 74,000 | $ 60,000 |
| Morgantown, WV | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
| Ocala, FL | 1 | $ 149,000 | $ 149,000 | $ 16,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 88,000 | $ 88,000 | $ 96,000 |
| Philadelphia, PA | 1 | $ 52,000 | $ 52,000 | $ 25,000 |
| State College, PA | 1 | $ 222,000 | $ 222,000 | $ 114,000 |
| Tucson, AZ | 1 | $ 1,900,000 | $ 1,900,000 | $ 0 |
Mortgage Loan Application Detail Totals for Fifth Third Bank in 2015
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 | 12,227 | $1,154,343,000 | $94,000 | $11,400,000 | $70,000 | $1,738,000 |
| Home Improvement | 4,213 | $233,418,000 | $55,000 | $520,000 | $66,000 | $1,284,000 |
| Home Purchase | 161 | $35,435,000 | $220,000 | $11,000,000 | $74,000 | $668,000 |
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 | 13,711 | $1,162,861,000 | $84,000 | $11,400,000 | $69,000 | $1,738,000 |
| Black or African American | 998 | $66,255,000 | $66,000 | $520,000 | $59,000 | $653,000 |
| Hispanic | 763 | $61,647,000 | $80,000 | $407,000 | $60,000 | $1,252,000 |
| Not Provided | 703 | $63,216,000 | $89,000 | $417,000 | $79,000 | $1,107,000 |
| Asian | 274 | $28,057,000 | $102,000 | $388,000 | $78,000 | $1,000,000 |
| American Indian or Alaskan Native | 116 | $9,033,000 | $77,000 | $320,000 | $66,000 | $189,000 |
| Native Hawaiian or Other Pacific Islander | 27 | $3,063,000 | $113,000 | $400,000 | $94,000 | $668,000 |
| Not applicable | 9 | $29,064,000 | $3,229,000 | $11,000,000 | $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) | 16,601 | $1,423,196,000 | $85,000 | $11,400,000 | $69,000 | $1,738,000 |
| 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 | 6,740 | $535,901,000 | $79,000 | $658,000 | $61,000 | $1,284,000 |
| Loan Originated | 6,465 | $557,500,000 | $86,000 | $11,000,000 | $72,000 | $904,000 |
| File Closed For Incompleteness | 2,013 | $192,906,000 | $95,000 | $1,425,000 | $80,000 | $1,045,000 |
| Application Withdrawn By Applicant | 1,047 | $107,831,000 | $102,000 | $11,400,000 | $77,000 | $1,738,000 |
| Application Approved But Not Accepted | 336 | $29,058,000 | $86,000 | $2,920,000 | $73,000 | $668,000 |
| 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 | 3,507 | $251,759,000 | $71,000 | $500,000 | $65,000 | $1,284,000 |
| Debt-To-Income Ratio | 1,506 | $133,425,000 | $88,000 | $658,000 | $43,000 | $440,000 |
| Collateral | 1,166 | $109,670,000 | $94,000 | $417,000 | $67,000 | $1,107,000 |
| Unverifiable Information | 199 | $12,036,000 | $60,000 | $316,000 | $52,000 | $250,000 |
| Credit Application Incomplete | 190 | $16,315,000 | $85,000 | $407,000 | $89,000 | $1,102,000 |
| Other | 162 | $12,066,000 | $74,000 | $280,000 | $71,000 | $400,000 |
| Employment History | 10 | $630,000 | $63,000 | $101,000 | $48,000 | $98,000 |
| 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 2015 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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