Fifth Third Bank Mortgage Lending & HMDA Data, 2004

In 2004, Fifth Third Bank of Cincinnati, OH reported 9,082 mortgage applications totaling $430.6 million, down 15% from 2003. The average application was for $47,409, and applicants reported an average income of $62,280. 55% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (2,285), Cleveland-Elyria-Mentor, OH (1,900) and Columbus, OH (982) (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 9,082
Total Mortgage Loan Application Amount $430,576,000
Average Mortgage Loan Application Amount $47,409
Highest Mortgage Loan Application Amount $4,850,000
Average Applicant Income $62,280
Highest Applicant Income $5,572,000

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Act (HMDA) records Fifth Third Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hamilton, Ohio 1,424 $ 65,248,000 $ 45,820 $ 69,000
Cuyahoga, Ohio 1,372 $ 27,845,000 $ 20,295 $ 52,000
Franklin, Ohio 645 $ 32,123,000 $ 49,803 $ 63,000
Montgomery, Ohio 521 $ 23,057,000 $ 44,255 $ 57,000
Lucas, Ohio 409 $ 29,042,000 $ 71,007 $ 54,000
Butler, Ohio 403 $ 19,489,000 $ 48,359 $ 68,000
Summit, Ohio 341 $ 9,887,000 $ 28,994 $ 50,000
Lorain, Ohio 250 $ 9,703,000 $ 38,812 $ 60,000
Warren, Ohio 224 $ 12,685,000 $ 56,629 $ 107,000
Clermont, Ohio 166 $ 6,681,000 $ 40,246 $ 54,000
Greene, Ohio 149 $ 8,759,000 $ 58,785 $ 65,000
Miami, Ohio 142 $ 11,061,000 $ 77,894 $ 86,000
Clark, Ohio 135 $ 7,318,000 $ 54,207 $ 54,000
Portage, Ohio 125 $ 6,590,000 $ 52,720 $ 51,000
Ross, Ohio 122 $ 4,439,000 $ 36,385 $ 50,000
Lake, Ohio 120 $ 5,977,000 $ 49,808 $ 62,000
Highland, Ohio 116 $ 4,865,000 $ 41,939 $ 39,000
Fairfield, Ohio 100 $ 5,089,000 $ 50,890 $ 69,000
Delaware, Ohio 94 $ 7,819,000 $ 83,180 $ 101,000
Shelby, Ohio 92 $ 8,301,000 $ 90,228 $ 65,000
Hancock, Ohio 91 $ 4,597,000 $ 50,516 $ 46,000
Clinton, Ohio 90 $ 3,067,000 $ 34,077 $ 65,000
Medina, Ohio 90 $ 4,359,000 $ 48,433 $ 66,000
Stark, Ohio 88 $ 990,000 $ 11,250 $ 48,000
Wood, Ohio 87 $ 4,320,000 $ 49,655 $ 70,000
Kenton, Kentucky 85 $ 1,084,000 $ 12,752 $ 50,000
Scioto, Ohio 74 $ 1,858,000 $ 25,108 $ 56,000
Brown, Ohio 68 $ 3,987,000 $ 58,632 $ 57,000
Geauga, Ohio 68 $ 3,138,000 $ 46,147 $ 47,000
Seneca, Ohio 64 $ 3,012,000 $ 47,062 $ 48,000
Monroe, Michigan 62 $ 7,508,000 $ 121,096 $ 51,000
Allen, Ohio 58 $ 3,510,000 $ 60,517 $ 61,000
Adams, Ohio 56 $ 2,324,000 $ 41,500 $ 46,000
Licking, Ohio 55 $ 4,302,000 $ 78,218 $ 62,000
Sandusky, Ohio 47 $ 1,512,000 $ 32,170 $ 48,000
Pickaway, Ohio 46 $ 2,340,000 $ 50,869 $ 62,000
Fayette, Ohio 45 $ 1,679,000 $ 37,311 $ 54,000
Boone, Kentucky 43 $ 804,000 $ 18,697 $ 62,000
Pike, Ohio 39 $ 888,000 $ 22,769 $ 60,000
Darke, Ohio 37 $ 1,890,000 $ 51,081 $ 51,000
Campbell, Kentucky 36 $ 996,000 $ 27,666 $ 60,000
Erie, Ohio 32 $ 1,289,000 $ 40,281 $ 51,000
Auglaize, Ohio 31 $ 1,941,000 $ 62,612 $ 59,000
Boyd, Kentucky 30 $ 795,000 $ 26,500 $ 60,000
Champaign, Ohio 26 $ 1,064,000 $ 40,923 $ 50,000
Preble, Ohio 23 $ 983,000 $ 42,739 $ 69,000
Mahoning, Ohio 22 $ 273,000 $ 12,409 $ 69,000
Ottawa, Ohio 22 $ 1,321,000 $ 60,045 $ 52,000
Dearborn, Indiana 20 $ 647,000 $ 32,350 $ 57,000
Ashtabula, Ohio 19 $ 301,000 $ 15,842 $ 62,000
Trumbull, Ohio 19 $ 234,000 $ 12,315 $ 53,000
Union, Ohio 19 $ 876,000 $ 46,105 $ 71,000
Greenup, Kentucky 18 $ 576,000 $ 32,000 $ 56,000
Lawrence, Ohio 18 $ 481,000 $ 26,722 $ 62,000
Fayette, Kentucky 17 $ 119,000 $ 7,000 $ 58,000
Logan, Ohio 17 $ 829,000 $ 48,764 $ 65,000
Marion, Ohio 17 $ 633,000 $ 37,235 $ 46,000
Cabell, West Virginia 17 $ 1,101,000 $ 64,764 $ 47,000
Madison, Ohio 16 $ 850,000 $ 53,125 $ 99,000
Jefferson, Kentucky 15 $ 185,000 $ 12,333 $ 45,000
Columbiana, Ohio 14 $ 698,000 $ 49,857 $ 39,000
Wayne, Ohio 14 $ 1,422,000 $ 101,571 $ 184,000
Wyandot, Ohio 14 $ 2,914,000 $ 208,142 $ 38,000
Kanawha, West Virginia 14 $ 759,000 $ 54,214 $ 62,000
Richland, Ohio 12 $ 2,252,000 $ 187,666 $ 62,000
Putnam, West Virginia 12 $ 368,000 $ 30,666 $ 98,000
Fulton, Ohio 10 $ 176,000 $ 17,600 $ 58,000
Hocking, Ohio 10 $ 199,000 $ 19,900 $ 48,000
Jackson, Ohio 10 $ 363,000 $ 36,300 $ 64,000
Vinton, Ohio 9 $ 550,000 $ 61,111 $ 72,000
Jefferson, Indiana 8 $ 53,000 $ 6,625 $ 49,000
Lenawee, Michigan 8 $ 106,000 $ 13,250 $ 61,000
Knox, Ohio 8 $ 1,260,000 $ 157,500 $ 37,000
Lawrence, Pennsylvania 8 $ 61,000 $ 7,625 $ 40,000
Ripley, Indiana 7 $ 303,000 $ 43,285 $ 61,000
Defiance, Ohio 7 $ 121,000 $ 17,285 $ 44,000
Mercer, Ohio 7 $ 1,188,000 $ 169,714 $ 41,000
Morrow, Ohio 7 $ 257,000 $ 36,714 $ 61,000
Perry, Ohio 7 $ 360,000 $ 51,428 $ 56,000
Mason, Kentucky 6 $ 447,000 $ 74,500 $ 36,000
Wayne, Michigan 6 $ 117,000 $ 19,500 $ 113,000
Henry, Ohio 6 $ 39,000 $ 6,500 $ 53,000
Huron, Ohio 6 $ 203,000 $ 33,833 $ 43,000
Muskingum, Ohio 6 $ 206,000 $ 34,333 $ 46,000
Putnam, Ohio 6 $ 99,000 $ 16,500 $ 44,000
Carter, Kentucky 5 $ 109,000 $ 21,800 $ 49,000
Grant, Kentucky 5 $ 32,000 $ 6,400 $ 61,000
Hardin, Ohio 5 $ 259,000 $ 51,800 $ 71,000
Williams, Ohio 5 $ 1,149,000 $ 229,800 $ 73,000
Beaufort, South Carolina 5 $ 8,444,000 $ 1,688,800 $ 520,000
Collier, Florida 4 $ 3,884,000 $ 971,000 $ 350,000
Clark, Indiana 4 $ 23,000 $ 5,750 $ 53,000
Marion, Indiana 4 $ 97,000 $ 24,250 $ 54,000
Guernsey, Ohio 4 $ 364,000 $ 91,000 $ 44,000
Tuscarawas, Ohio 4 $ 69,000 $ 17,250 $ 53,000
Mercer, Pennsylvania 4 $ 20,000 $ 5,000 $ 44,000
Boulder, Colorado 3 $ 3,395,000 $ 1,131,666 $ 150,000
Jennings, Indiana 3 $ 17,000 $ 5,666 $ 60,000
Pendleton, Kentucky 3 $ 21,000 $ 7,000 $ 81,000
Ashland, Ohio 3 $ 32,000 $ 10,666 $ 56,000
Athens, Ohio 3 $ 1,745,000 $ 581,666 $ 38,000
Coshocton, Ohio 3 $ 62,000 $ 20,666 $ 64,000
Wayne, West Virginia 3 $ 67,000 $ 22,333 $ 45,000
Monroe, Florida 2 $ 3,000,000 $ 1,500,000 $ 334,000
Palm Beach, Florida 2 $ 220,000 $ 110,000 $ 38,000
Cook, Illinois 2 $ 381,000 $ 190,500 $ 153,000
Fayette, Indiana 2 $ 12,000 $ 6,000 $ 36,000
Floyd, Indiana 2 $ 12,000 $ 6,000 $ 70,000
Hamilton, Indiana 2 $ 74,000 $ 37,000 $ 58,000
Madison, Indiana 2 $ 10,000 $ 5,000 $ 49,000
Vigo, Indiana 2 $ 195,000 $ 97,500 $ 92,000
Wayne, Indiana 2 $ 11,000 $ 5,500 $ 105,000
Bullitt, Kentucky 2 $ 67,000 $ 33,500 $ 57,000
Floyd, Kentucky 2 $ 105,000 $ 52,500 $ 19,000
Harrison, Kentucky 2 $ 10,000 $ 5,000 $ 40,000
Oldham, Kentucky 2 $ 42,000 $ 21,000 $ 53,000
Emmet, Michigan 2 $ 1,151,000 $ 575,500 $ 507,000
Kent, Michigan 2 $ 268,000 $ 134,000 $ 64,000
Ottawa, Michigan 2 $ 70,000 $ 35,000 $ 63,000
Carroll, Ohio 2 $ 72,000 $ 36,000 $ 93,000
Holmes, Ohio 2 $ 140,000 $ 70,000 $ 82,000
Noble, Ohio 2 $ 44,000 $ 22,000 $ 47,000
Erie, Pennsylvania 2 $ 12,000 $ 6,000 $ 50,000
Davidson, Tennessee 2 $ 168,000 $ 84,000 $ 145,000
Williamson, Tennessee 2 $ 931,000 $ 465,500 $ 74,000
Berkeley, West Virginia 2 $ 40,000 $ 20,000 $ 95,000
Teton, Wyoming 2 $ 4,900,000 $ 2,450,000 $ 0
Los Angeles, California 1 $ 20,000 $ 20,000 $ 60,000
Broward, Florida 1 $ 349,000 $ 349,000 $ 409,000
Escambia, Florida 1 $ 10,000 $ 10,000 $ 55,000
Lee, Florida 1 $ 218,000 $ 218,000 $ 415,000
Sarasota, Florida 1 $ 1,725,000 $ 1,725,000 $ 0
Cass, Illinois 1 $ 23,000 $ 23,000 $ 26,000
Whiteside, Illinois 1 $ 100,000 $ 100,000 $ 60,000
Allen, Indiana 1 $ 16,000 $ 16,000 $ 46,000
Decatur, Indiana 1 $ 5,000 $ 5,000 $ 85,000
Franklin, Indiana 1 $ 40,000 $ 40,000 $ 98,000
Shelby, Indiana 1 $ 2,000 $ 2,000 $ 38,000
Vanderburgh, Indiana 1 $ 4,000 $ 4,000 $ 63,000
Warrick, Indiana 1 $ 187,000 $ 187,000 $ 73,000
Bracken, Kentucky 1 $ 7,000 $ 7,000 $ 33,000
Casey, Kentucky 1 $ 2,000 $ 2,000 $ 30,000
Elliott, Kentucky 1 $ 10,000 $ 10,000 $ 29,000
Fleming, Kentucky 1 $ 3,000 $ 3,000 $ 26,000
Franklin, Kentucky 1 $ 3,000 $ 3,000 $ 28,000
Hardin, Kentucky 1 $ 1,000 $ 1,000 $ 26,000
Henry, Kentucky 1 $ 5,000 $ 5,000 $ 47,000
Jessamine, Kentucky 1 $ 6,000 $ 6,000 $ 80,000
Lewis, Kentucky 1 $ 7,000 $ 7,000 $ 75,000
Meade, Kentucky 1 $ 2,000 $ 2,000 $ 41,000
Menifee, Kentucky 1 $ 17,000 $ 17,000 $ 87,000
Robertson, Kentucky 1 $ 5,000 $ 5,000 $ 28,000
Rowan, Kentucky 1 $ 72,000 $ 72,000 $ 45,000
Russell, Kentucky 1 $ 53,000 $ 53,000 $ 75,000
Scott, Kentucky 1 $ 6,000 $ 6,000 $ 54,000
Simpson, Kentucky 1 $ 7,000 $ 7,000 $ 23,000
Baltimore, Maryland 1 $ 235,000 $ 235,000 $ 100,000
Alcona, Michigan 1 $ 60,000 $ 60,000 $ 19,000
Berrien, Michigan 1 $ 66,000 $ 66,000 $ 43,000
Chippewa, Michigan 1 $ 120,000 $ 120,000 $ 77,000
Genesee, Michigan 1 $ 26,000 $ 26,000 $ 70,000
Hillsdale, Michigan 1 $ 17,000 $ 17,000 $ 74,000
Lake, Michigan 1 $ 100,000 $ 100,000 $ 166,000
Otsego, Michigan 1 $ 35,000 $ 35,000 $ 48,000
St. Clair, Michigan 1 $ 248,000 $ 248,000 $ 1,127,000
Washtenaw, Michigan 1 $ 20,000 $ 20,000 $ 57,000
Somerset, New Jersey 1 $ 500,000 $ 500,000 $ 353,000
Cattaraugus, New York 1 $ 150,000 $ 150,000 $ 2,303,000
Columbia, New York 1 $ 225,000 $ 225,000 $ 1,000,000
Dutchess, New York 1 $ 240,000 $ 240,000 $ 1,840,000
Belmont, Ohio 1 $ 43,000 $ 43,000 $ 65,000
Crawford, Ohio 1 $ 9,000 $ 9,000 $ 36,000
Paulding, Ohio 1 $ 13,000 $ 13,000 $ 48,000
Van Wert, Ohio 1 $ 10,000 $ 10,000 $ 54,000
Allegheny, Pennsylvania 1 $ 200,000 $ 200,000 $ 249,000
Bedford, Tennessee 1 $ 66,000 $ 66,000 $ 73,000
Knox, Tennessee 1 $ 27,000 $ 27,000 $ 83,000
Lawrence, Tennessee 1 $ 2,000 $ 2,000 $ 24,000
Marshall, Tennessee 1 $ 12,000 $ 12,000 $ 58,000
Maury, Tennessee 1 $ 20,000 $ 20,000 $ 40,000
Pickett, Tennessee 1 $ 14,000 $ 14,000 $ 60,000
Robertson, Tennessee 1 $ 30,000 $ 30,000 $ 120,000
Sevier, Tennessee 1 $ 30,000 $ 30,000 $ 0
Barbour, West Virginia 1 $ 12,000 $ 12,000 $ 20,000
Jefferson, West Virginia 1 $ 65,000 $ 65,000 $ 142,000
Lincoln, West Virginia 1 $ 41,000 $ 41,000 $ 69,000
Marion, West Virginia 1 $ 26,000 $ 26,000 $ 54,000
Marshall, West Virginia 1 $ 36,000 $ 36,000 $ 72,000
Mason, West Virginia 1 $ 9,000 $ 9,000 $ 38,000
Ohio, West Virginia 1 $ 34,000 $ 34,000 $ 63,000
Randolph, West Virginia 1 $ 30,000 $ 30,000 $ 89,000
Tucker, West Virginia 1 $ 14,000 $ 14,000 $ 58,000

Mortgage Loan Application Detail Totals for Fifth Third Bank in 2004

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 4,715 $71,992,000 $161,750 $1,620,000 $73,083 $5,572,000
Refinancing 2,882 $240,749,000 $227,090 $4,850,000 $346,090 $2,303,000
Home Purchase 1,485 $117,835,000 $701,916 $3,675,000 $247,166 $2,380,000

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 6,685 $297,198,000 $324,200 $2,500,000 $273,266 $5,572,000
Black or African American 1,100 $20,877,000 $10,833 $576,000 $44,000 $465,000
Not Provided 874 $33,107,000 $28,000 $600,000 $69,833 $482,000
Hispanic 142 $3,902,000 $116,750 $500,000 $175,000 $507,000
Not applicable 132 $68,325,000 $1,499,714 $4,850,000 $0 $0
Asian 83 $4,878,000 $30,000 $495,000 $58,000 $276,000
American Indian or Alaskan Native 51 $1,020,000 $15,333 $114,000 $53,666 $156,000
Native Hawaiian or Other Pacific Islander 15 $1,269,000 $84,000 $316,000 $124,000 $719,000

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) 9,082 $430,576,000 $469,187 $4,850,000 $232,000 $5,572,000
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 4,987 $287,276,000 $519,312 $4,850,000 $262,375 $5,572,000
Application Denied By Financial Institution 3,204 $104,241,000 $53,555 $1,200,000 $62,888 $1,423,000
Application Approved But Not Accepted 692 $25,910,000 $305,500 $2,200,000 $60,875 $863,000
Application Withdrawn By Applicant 197 $9,369,000 $57,000 $600,000 $105,500 $420,000
File Closed For Incompleteness 2 $3,780,000 $1,890,000 $3,100,000 $230,000 $461,000
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 1,932 $48,793,000 $55,750 $875,000 $55,750 $629,000
Debt-To-Income Ratio 726 $23,961,000 $12,666 $1,200,000 $38,500 $227,000
Credit Application Incomplete 187 $12,250,000 $68,428 $720,000 $69,285 $267,000
Collateral 185 $11,641,000 $42,200 $1,000,000 $72,200 $1,423,000
Other 98 $3,887,000 $25,500 $500,000 $45,750 $458,000
Unverifiable Information 53 $3,273,000 $61,000 $330,000 $75,000 $413,000
Employment History 22 $432,000 $14,500 $82,000 $41,750 $85,000
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 2004 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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