Fifth Third Bank Mortgage Lending & HMDA Data, 2003

In 2003, Fifth Third Bank of Cincinnati, OH reported 10,686 mortgage applications totaling $456.6 million. The average application was for $42,732, and applicants reported an average income of $59,280. 53% of its applications resulted in an originated loan and 36% were denied. Its largest markets were Cleveland-Lorain-Elyria, OH (2,418), Cincinnati, OH-KY-IN (2,150) and Columbus, OH (1,053) (applications in parentheses).

Mortgage Company & Address Fifth Third Bank
5001 Kingsley Drive MD 1mob2w
Cincinnati, OH 45227
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 10,686
Total Mortgage Loan Application Amount $456,638,000
Average Mortgage Loan Application Amount $42,732
Highest Mortgage Loan Application Amount $6,000,000
Average Applicant Income $59,280
Highest Applicant Income $9,022,000

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Act (HMDA) records Fifth Third Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Fifth Third Bank by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hamilton, Ohio 1,703 $ 108,338,000 $ 63,615 $ 66,000
Cuyahoga, Ohio 1,693 $ 35,680,000 $ 21,075 $ 59,000
Franklin, Ohio 730 $ 35,615,000 $ 48,787 $ 58,000
Lucas, Ohio 562 $ 21,432,000 $ 38,135 $ 53,000
Montgomery, Ohio 545 $ 20,603,000 $ 37,803 $ 52,000
Butler, Ohio 473 $ 24,750,000 $ 52,325 $ 64,000
Summit, Ohio 440 $ 9,594,000 $ 21,804 $ 53,000
Lorain, Ohio 320 $ 10,190,000 $ 31,843 $ 53,000
Lake, Ohio 210 $ 7,213,000 $ 34,347 $ 53,000
Clermont, Ohio 192 $ 16,113,000 $ 83,921 $ 66,000
Stark, Ohio 181 $ 3,124,000 $ 17,259 $ 52,000
Warren, Ohio 180 $ 9,306,000 $ 51,700 $ 66,000
Clark, Ohio 143 $ 5,756,000 $ 40,251 $ 63,000
Greene, Ohio 142 $ 5,877,000 $ 41,387 $ 79,000
Portage, Ohio 133 $ 5,780,000 $ 43,458 $ 59,000
Medina, Ohio 126 $ 4,958,000 $ 39,349 $ 70,000
Ross, Ohio 123 $ 2,833,000 $ 23,032 $ 51,000
Kenton, Kentucky 122 $ 2,230,000 $ 18,278 $ 76,000
Delaware, Ohio 114 $ 9,338,000 $ 81,912 $ 98,000
Miami, Ohio 105 $ 7,964,000 $ 75,847 $ 50,000
Wood, Ohio 101 $ 6,563,000 $ 64,980 $ 42,000
Shelby, Ohio 96 $ 8,391,000 $ 87,406 $ 63,000
Highland, Ohio 89 $ 3,402,000 $ 38,224 $ 41,000
Monroe, Michigan 88 $ 2,052,000 $ 23,318 $ 54,000
Clinton, Ohio 85 $ 2,460,000 $ 28,941 $ 56,000
Fairfield, Ohio 83 $ 2,459,000 $ 29,626 $ 62,000
Brown, Ohio 75 $ 1,881,000 $ 25,080 $ 55,000
Hancock, Ohio 74 $ 3,325,000 $ 44,932 $ 56,000
Boone, Kentucky 66 $ 1,326,000 $ 20,090 $ 62,000
Campbell, Kentucky 66 $ 1,244,000 $ 18,848 $ 60,000
Licking, Ohio 65 $ 1,779,000 $ 27,369 $ 55,000
Fayette, Ohio 64 $ 2,136,000 $ 33,375 $ 69,000
Sandusky, Ohio 63 $ 2,659,000 $ 42,206 $ 46,000
Scioto, Ohio 54 $ 1,262,000 $ 23,370 $ 44,000
Seneca, Ohio 54 $ 1,928,000 $ 35,703 $ 40,000
Trumbull, Ohio 54 $ 578,000 $ 10,703 $ 51,000
Mahoning, Ohio 53 $ 541,000 $ 10,207 $ 44,000
Erie, Ohio 52 $ 2,214,000 $ 42,576 $ 56,000
Allen, Ohio 49 $ 1,625,000 $ 33,163 $ 40,000
Pickaway, Ohio 48 $ 594,000 $ 12,375 $ 77,000
Adams, Ohio 46 $ 1,531,000 $ 33,282 $ 47,000
Champaign, Ohio 44 $ 2,088,000 $ 47,454 $ 54,000
Darke, Ohio 44 $ 1,767,000 $ 40,159 $ 47,000
Geauga, Ohio 40 $ 2,535,000 $ 63,375 $ 55,000
Auglaize, Ohio 36 $ 1,403,000 $ 38,972 $ 67,000
Pike, Ohio 36 $ 808,000 $ 22,444 $ 57,000
Ashtabula, Ohio 29 $ 452,000 $ 15,586 $ 61,000
Preble, Ohio 29 $ 807,000 $ 27,827 $ 66,000
Logan, Ohio 27 $ 710,000 $ 26,296 $ 48,000
Wayne, Ohio 26 $ 702,000 $ 27,000 $ 54,000
Boyd, Kentucky 23 $ 1,783,000 $ 77,521 $ 52,000
Marion, Ohio 23 $ 913,000 $ 39,695 $ 45,000
Union, Ohio 23 $ 618,000 $ 26,869 $ 83,000
Dearborn, Indiana 22 $ 676,000 $ 30,727 $ 53,000
Greenup, Kentucky 22 $ 1,610,000 $ 73,181 $ 58,000
Cabell, West Virginia 22 $ 4,427,000 $ 201,227 $ 33,000
Fayette, Kentucky 21 $ 413,000 $ 19,666 $ 127,000
Ottawa, Ohio 20 $ 1,454,000 $ 72,700 $ 148,000
Mercer, Pennsylvania 20 $ 130,000 $ 6,500 $ 44,000
Columbiana, Ohio 18 $ 179,000 $ 9,944 $ 40,000
Morrow, Ohio 16 $ 652,000 $ 40,750 $ 66,000
Erie, Pennsylvania 16 $ 93,000 $ 5,812 $ 58,000
Jefferson, Kentucky 15 $ 264,000 $ 17,600 $ 64,000
Huron, Ohio 15 $ 423,000 $ 28,200 $ 47,000
Fulton, Ohio 14 $ 337,000 $ 24,071 $ 60,000
Lawrence, Ohio 13 $ 1,802,000 $ 138,615 $ 33,000
Madison, Ohio 13 $ 723,000 $ 55,615 $ 87,000
Kanawha, West Virginia 13 $ 813,000 $ 62,538 $ 47,000
Tuscarawas, Ohio 12 $ 79,000 $ 6,583 $ 32,000
Lawrence, Pennsylvania 12 $ 74,000 $ 6,166 $ 37,000
Davidson, Tennessee 12 $ 3,625,000 $ 302,083 $ 133,000
Lenawee, Michigan 11 $ 160,000 $ 14,545 $ 52,000
Ashland, Ohio 11 $ 371,000 $ 33,727 $ 44,000
Richland, Ohio 11 $ 220,000 $ 20,000 $ 60,000
Beaver, Pennsylvania 11 $ 61,000 $ 5,545 $ 31,000
Ripley, Indiana 10 $ 82,000 $ 8,200 $ 58,000
Carroll, Ohio 9 $ 76,000 $ 8,444 $ 48,000
Crawford, Ohio 9 $ 70,000 $ 7,777 $ 46,000
Jackson, Ohio 9 $ 341,000 $ 37,888 $ 40,000
Knox, Ohio 9 $ 307,000 $ 34,111 $ 58,000
Muskingum, Ohio 9 $ 193,000 $ 21,444 $ 42,000
Hocking, Ohio 8 $ 238,000 $ 29,750 $ 47,000
Perry, Ohio 8 $ 168,000 $ 21,000 $ 60,000
Venango, Pennsylvania 8 $ 29,000 $ 3,625 $ 48,000
Carter, Kentucky 7 $ 391,000 $ 55,857 $ 74,000
Henry, Kentucky 7 $ 27,000 $ 3,857 $ 30,000
Holmes, Ohio 7 $ 84,000 $ 12,000 $ 71,000
Wyandot, Ohio 7 $ 191,000 $ 27,285 $ 46,000
Putnam, West Virginia 7 $ 182,000 $ 26,000 $ 81,000
Hardin, Ohio 6 $ 78,000 $ 13,000 $ 58,000
Henry, Ohio 6 $ 51,000 $ 8,500 $ 46,000
Bracken, Kentucky 5 $ 37,000 $ 7,400 $ 53,000
Grant, Kentucky 5 $ 31,000 $ 6,200 $ 58,000
Pendleton, Kentucky 5 $ 27,000 $ 5,400 $ 57,000
Washtenaw, Michigan 5 $ 57,000 $ 11,400 $ 62,000
Athens, Ohio 5 $ 397,000 $ 79,400 $ 64,000
Williamson, Tennessee 5 $ 218,000 $ 43,600 $ 95,000
Franklin, Indiana 4 $ 70,000 $ 17,500 $ 72,000
Wayne, Indiana 4 $ 30,000 $ 7,500 $ 41,000
Jessamine, Kentucky 4 $ 27,000 $ 6,750 $ 40,000
Mason, Kentucky 4 $ 60,000 $ 15,000 $ 38,000
Lee, Florida 3 $ 1,167,000 $ 389,000 $ 70,000
Cook, Illinois 3 $ 542,000 $ 180,666 $ 240,000
Randolph, Indiana 3 $ 160,000 $ 53,333 $ 22,000
Lawrence, Kentucky 3 $ 112,000 $ 37,333 $ 72,000
Scott, Kentucky 3 $ 16,000 $ 5,333 $ 50,000
Hillsdale, Michigan 3 $ 187,000 $ 62,333 $ 70,000
Coshocton, Ohio 3 $ 21,000 $ 7,000 $ 32,000
Guernsey, Ohio 3 $ 235,000 $ 78,333 $ 57,000
Jefferson, Ohio 3 $ 12,000 $ 4,000 $ 29,000
Mercer, Ohio 3 $ 163,000 $ 54,333 $ 45,000
Vinton, Ohio 3 $ 110,000 $ 36,666 $ 73,000
Williams, Ohio 3 $ 66,000 $ 22,000 $ 143,000
Clarion, Pennsylvania 3 $ 22,000 $ 7,333 $ 53,000
Rutherford, Tennessee 3 $ 128,000 $ 42,666 $ 43,000
Collier, Florida 2 $ 298,000 $ 149,000 $ 0
Sarasota, Florida 2 $ 693,000 $ 346,500 $ 428,000
Fayette, Indiana 2 $ 173,000 $ 86,500 $ 25,000
Floyd, Indiana 2 $ 13,000 $ 6,500 $ 33,000
Fleming, Kentucky 2 $ 13,000 $ 6,500 $ 29,000
Gallatin, Kentucky 2 $ 18,000 $ 9,000 $ 36,000
Lewis, Kentucky 2 $ 55,000 $ 27,500 $ 47,000
Martin, Kentucky 2 $ 19,000 $ 9,500 $ 41,000
Meade, Kentucky 2 $ 10,000 $ 5,000 $ 38,000
Woodford, Kentucky 2 $ 15,000 $ 7,500 $ 64,000
Barnstable, Massachusetts 2 $ 6,372,000 $ 3,186,000 $ 562,000
Wayne, Michigan 2 $ 60,000 $ 30,000 $ 57,000
Putnam, Ohio 2 $ 113,000 $ 56,500 $ 36,000
Marshall, Tennessee 2 $ 31,000 $ 15,500 $ 58,000
Wayne, West Virginia 2 $ 224,000 $ 112,000 $ 52,000
San Diego, California 1 $ 999,000 $ 999,000 $ 2,740,000
San Francisco, California 1 $ 700,000 $ 700,000 $ 0
Routt, Colorado 1 $ 300,000 $ 300,000 $ 995,000
Highlands, Florida 1 $ 32,000 $ 32,000 $ 82,000
Manatee, Florida 1 $ 25,000 $ 25,000 $ 40,000
Monroe, Florida 1 $ 274,000 $ 274,000 $ 200,000
Palm Beach, Florida 1 $ 1,200,000 $ 1,200,000 $ 690,000
Volusia, Florida 1 $ 45,000 $ 45,000 $ 0
Glynn, Georgia 1 $ 1,250,000 $ 1,250,000 $ 0
DuPage, Illinois 1 $ 2,000 $ 2,000 $ 85,000
Jefferson, Illinois 1 $ 120,000 $ 120,000 $ 190,000
Wabash, Illinois 1 $ 22,000 $ 22,000 $ 60,000
Clark, Indiana 1 $ 22,000 $ 22,000 $ 40,000
Decatur, Indiana 1 $ 6,000 $ 6,000 $ 43,000
Delaware, Indiana 1 $ 4,000 $ 4,000 $ 60,000
Harrison, Indiana 1 $ 6,000 $ 6,000 $ 110,000
Henry, Indiana 1 $ 5,000 $ 5,000 $ 14,000
Marion, Indiana 1 $ 74,000 $ 74,000 $ 95,000
Steuben, Indiana 1 $ 190,000 $ 190,000 $ 725,000
Switzerland, Indiana 1 $ 3,000 $ 3,000 $ 92,000
Bath, Kentucky 1 $ 2,000 $ 2,000 $ 27,000
Clark, Kentucky 1 $ 5,000 $ 5,000 $ 70,000
Franklin, Kentucky 1 $ 1,000 $ 1,000 $ 42,000
Hardin, Kentucky 1 $ 5,000 $ 5,000 $ 41,000
Harrison, Kentucky 1 $ 3,000 $ 3,000 $ 64,000
Johnson, Kentucky 1 $ 250,000 $ 250,000 $ 0
Laurel, Kentucky 1 $ 202,000 $ 202,000 $ 97,000
Oldham, Kentucky 1 $ 44,000 $ 44,000 $ 82,000
Owen, Kentucky 1 $ 5,000 $ 5,000 $ 22,000
Trimble, Kentucky 1 $ 5,000 $ 5,000 $ 85,000
Antrim, Michigan 1 $ 733,000 $ 733,000 $ 435,000
Charlevoix, Michigan 1 $ 500,000 $ 500,000 $ 788,000
Genesee, Michigan 1 $ 22,000 $ 22,000 $ 60,000
Kalamazoo, Michigan 1 $ 10,000 $ 10,000 $ 73,000
Clark, Nevada 1 $ 490,000 $ 490,000 $ 0
Morris, New Jersey 1 $ 1,000,000 $ 1,000,000 $ 705,000
Ocean, New Jersey 1 $ 2,200,000 $ 2,200,000 $ 0
Cattaraugus, New York 1 $ 20,000 $ 20,000 $ 240,000
Belmont, Ohio 1 $ 54,000 $ 54,000 $ 33,000
Defiance, Ohio 1 $ 9,000 $ 9,000 $ 79,000
Harrison, Ohio 1 $ 5,000 $ 5,000 $ 144,000
Meigs, Ohio 1 $ 19,000 $ 19,000 $ 22,000
Morgan, Ohio 1 $ 27,000 $ 27,000 $ 27,000
Washington, Ohio 1 $ 37,000 $ 37,000 $ 44,000
Chester, Pennsylvania 1 $ 260,000 $ 260,000 $ 100,000
Forest, Pennsylvania 1 $ 6,000 $ 6,000 $ 28,000
Beaufort, South Carolina 1 $ 190,000 $ 190,000 $ 0
Bedford, Tennessee 1 $ 20,000 $ 20,000 $ 73,000
Campbell, Tennessee 1 $ 104,000 $ 104,000 $ 220,000
Giles, Tennessee 1 $ 55,000 $ 55,000 $ 43,000
Sevier, Tennessee 1 $ 70,000 $ 70,000 $ 91,000
Sumner, Tennessee 1 $ 191,000 $ 191,000 $ 650,000
Wilson, Tennessee 1 $ 92,000 $ 92,000 $ 44,000
Cameron, Texas 1 $ 172,000 $ 172,000 $ 0
Fairfax, Virginia 1 $ 179,000 $ 179,000 $ 158,000
Thurston, Washington 1 $ 3,000 $ 3,000 $ 15,000
Brooke, West Virginia 1 $ 10,000 $ 10,000 $ 58,000
Lincoln, West Virginia 1 $ 8,000 $ 8,000 $ 21,000
Mason, West Virginia 1 $ 5,000 $ 5,000 $ 55,000
Raleigh, West Virginia 1 $ 20,000 $ 20,000 $ 74,000

Mortgage Loan Application Detail Totals for Fifth Third Bank in 2003

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
Home Improvement (one-to-four family) 6,556 $80,676,000 $55,222 $775,000 $74,111 $3,977,000
Refinancing (home purchase or home improvement, one-to-four family) 3,048 $233,058,000 $337,533 $2,800,000 $300,600 $5,544,000
Home Purchase (one-to-four family) 966 $66,146,000 $754,692 $6,000,000 $144,153 $9,022,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 116 $76,758,000 $582,000 $5,160,000 $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 7,718 $307,289,000 $427,125 $6,000,000 $304,312 $9,022,000
Black 1,417 $24,640,000 $22,625 $892,000 $54,500 $900,000
Information not provided by applicant in mail or telephone application 1,038 $34,016,000 $25,800 $400,000 $57,600 $453,000
Hispanic 204 $3,367,000 $16,500 $250,000 $62,250 $422,000
Not applicable 177 $79,733,000 $507,800 $5,160,000 $0 $0
Asian or Pacific Islander 69 $3,337,000 $66,400 $374,000 $72,800 $353,000
American Indian or Alaskan Native 35 $1,450,000 $41,000 $238,000 $54,000 $199,000
Other 28 $2,806,000 $82,000 $900,000 $291,666 $573,000

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) 10,686 $456,638,000 $453,900 $6,000,000 $227,100 $9,022,000
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 5,710 $344,876,000 $489,526 $6,000,000 $245,210 $9,022,000
Application Denied By Financial Institution 3,880 $90,359,000 $30,000 $1,600,000 $49,400 $499,000
Application Approved But Not Accepted 924 $15,223,000 $12,000 $205,000 $69,428 $580,000
Application Withdrawn By Applicant 172 $6,180,000 $38,000 $286,000 $112,500 $650,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The 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 1,787 $27,844,000 $12,888 $650,000 $54,777 $499,000
Debt-To-Income Ratio 1,631 $37,943,000 $18,250 $1,600,000 $37,750 $253,000
Collateral 199 $12,173,000 $261,750 $1,000,000 $44,250 $270,000
Credit Application Incomplete 141 $6,612,000 $50,500 $400,000 $79,000 $400,000
Other 44 $3,964,000 $278,000 $1,000,000 $46,750 $473,000
Employment History 40 $412,000 $20,600 $44,000 $67,000 $131,000
Unverifiable Information 38 $1,411,000 $37,000 $137,000 $63,000 $155,000
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 2003 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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