Fifth Third Bank Mortgage Lending & HMDA Data, 2006
In 2006, Fifth Third Bank of Cincinnati, OH reported 8,564 mortgage applications totaling $387.2 million, up 1% from 2005. The average application was for $45,210, and applicants reported an average income of $72,060. 57% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (2,042), Cleveland-Elyria-Mentor, OH (1,494) and Columbus, OH (903) (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 | 8,564 |
| Total Mortgage Loan Application Amount | $387,184,000 |
| Average Mortgage Loan Application Amount | $45,210 |
| Highest Mortgage Loan Application Amount | $7,500,000 |
| Average Applicant Income | $72,060 |
| Highest Applicant Income | $8,500,000 |
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Act (HMDA) records Fifth Third Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,042 | $ 82,874,000 | $ 40,584 | $ 78,594 |
| Cleveland-Elyria-Mentor, OH | 1,494 | $ 44,308,000 | $ 29,657 | $ 64,000 |
| Columbus, OH | 903 | $ 54,630,000 | $ 60,498 | $ 76,000 |
| Toledo, OH | 722 | $ 45,486,000 | $ 63,000 | $ 67,000 |
| Pittsburgh, PA | 647 | $ 24,732,000 | $ 38,225 | $ 84,000 |
| Dayton, OH | 608 | $ 40,902,000 | $ 67,273 | $ 66,000 |
| Akron, OH | 369 | $ 14,632,000 | $ 39,653 | $ 75,000 |
| Canton-Massillon, OH | 118 | $ 2,636,000 | $ 22,338 | $ 58,000 |
| Huntington-Ashland, WV-KY-OH | 103 | $ 4,336,000 | $ 42,097 | $ 66,796 |
| Charleston, WV | 88 | $ 4,321,000 | $ 49,102 | $ 73,000 |
| Monroe, MI | 60 | $ 3,378,000 | $ 56,300 | $ 153,000 |
| Youngstown-Warren-Boardman, OH-PA | 55 | $ 738,000 | $ 13,418 | $ 50,818 |
| Springfield, OH | 50 | $ 1,547,000 | $ 30,940 | $ 64,000 |
| Lima, OH | 47 | $ 2,344,000 | $ 49,872 | $ 61,000 |
| Sandusky, OH | 44 | $ 1,784,000 | $ 40,545 | $ 72,000 |
| Erie, PA | 21 | $ 553,000 | $ 26,333 | $ 68,000 |
| Mansfield, OH | 11 | $ 320,000 | $ 29,090 | $ 65,000 |
| Philadelphia, PA | 11 | $ 487,000 | $ 44,272 | $ 81,000 |
| Lexington-Fayette, KY | 9 | $ 301,000 | $ 33,444 | $ 155,000 |
| Morgantown, WV | 9 | $ 2,880,000 | $ 320,000 | $ 43,000 |
| Ann Arbor, MI | 8 | $ 1,594,000 | $ 199,250 | $ 67,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 7 | $ 344,000 | $ 49,142 | $ 62,000 |
| Chicago-Naperville-Joliet, IL | 7 | $ 629,000 | $ 89,857 | $ 102,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 684,000 | $ 114,000 | $ 45,000 |
| Orlando-Kissimmee, FL | 6 | $ 362,000 | $ 60,333 | $ 97,000 |
| State College, PA | 6 | $ 148,000 | $ 24,666 | $ 88,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 286,000 | $ 47,666 | $ 47,000 |
| Sarasota-Bradenton-Venice, FL | 5 | $ 649,000 | $ 129,800 | $ 87,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 126,000 | $ 31,500 | $ 59,250 |
| Harrisburg-Carlisle, PA | 4 | $ 131,000 | $ 32,750 | $ 72,000 |
| Indianapolis-Carmel, IN | 4 | $ 136,000 | $ 34,000 | $ 78,000 |
| Naples-Marco Island, FL | 4 | $ 543,000 | $ 135,750 | $ 1,000 |
| Wheeling, WV-OH | 4 | $ 171,000 | $ 42,750 | $ 64,000 |
| Columbus, IN | 3 | $ 40,000 | $ 13,333 | $ 55,000 |
| Detroit-Livonia-Dearborn, MI | 3 | $ 26,000 | $ 8,666 | $ 76,000 |
| Gainesville, FL | 3 | $ 59,000 | $ 19,666 | $ 77,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 3 | $ 90,000 | $ 30,000 | $ 59,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 673,000 | $ 224,333 | $ 479,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 466,000 | $ 155,333 | $ 153,000 |
| York-Hanover, PA | 3 | $ 167,000 | $ 55,666 | $ 54,000 |
| Fort Wayne, IN | 2 | $ 121,000 | $ 60,500 | $ 72,000 |
| Lafayette, IN | 2 | $ 93,000 | $ 46,500 | $ 221,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 42,000 | $ 21,000 | $ 38,000 |
| Port St. Lucie-Fort Pierce, FL | 2 | $ 67,000 | $ 33,500 | $ 74,000 |
| St. Louis, MO-IL | 2 | $ 231,000 | $ 115,500 | $ 44,500 |
| Altoona, PA | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 78,000 | $ 78,000 | $ 55,000 |
| Bowling Green, KY | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 350,000 | $ 350,000 | $ 95,000 |
| Colorado Springs, CO | 1 | $ 26,000 | $ 26,000 | $ 89,000 |
| Cumberland, MD-WV | 1 | $ 129,000 | $ 129,000 | $ 67,000 |
| Evansville, IN-KY | 1 | $ 9,000 | $ 9,000 | $ 82,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 50,000 | $ 50,000 | $ 100,000 |
| Greenville, SC | 1 | $ 33,000 | $ 33,000 | $ 155,000 |
| Holland-Grand Haven, MI | 1 | $ 50,000 | $ 50,000 | $ 120,000 |
| Jackson, MI | 1 | $ 8,000 | $ 8,000 | $ 46,000 |
| Johnstown, PA | 1 | $ 17,000 | $ 17,000 | $ 64,000 |
| Kansas City, MO-KS | 1 | $ 97,000 | $ 97,000 | $ 63,000 |
| Lancaster, PA | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Lebanon, PA | 1 | $ 31,000 | $ 31,000 | $ 103,000 |
| Memphis, TN-MS-AR | 1 | $ 64,000 | $ 64,000 | $ 173,000 |
| Muncie, IN | 1 | $ 134,000 | $ 134,000 | $ 90,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Reading, PA | 1 | $ 39,000 | $ 39,000 | $ 60,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 41,000 | $ 41,000 | $ 122,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 97,000 | $ 97,000 | $ 91,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 37,000 | $ 37,000 | $ 57,000 |
| Williamsport, PA | 1 | $ 75,000 | $ 75,000 | $ 121,000 |
| Wilmington, NC | 1 | $ 19,000 | $ 19,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for Fifth Third Bank in 2006
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 | 3,631 | $66,915,000 | $18,000 | $1,360,000 | $62,000 | $1,013,000 |
| Refinancing | 2,635 | $216,957,000 | $82,000 | $7,500,000 | $79,000 | $3,749,000 |
| Home Purchase | 2,298 | $103,312,000 | $44,000 | $5,202,000 | $80,000 | $8,500,000 |
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 | 6,456 | $260,677,000 | $40,000 | $1,100,000 | $75,000 | $8,500,000 |
| Not Provided | 867 | $38,239,000 | $44,000 | $350,000 | $79,000 | $3,749,000 |
| Black or African American | 856 | $22,028,000 | $25,000 | $364,000 | $54,000 | $473,000 |
| Hispanic | 171 | $4,125,000 | $24,000 | $188,000 | $58,000 | $442,000 |
| Not applicable | 88 | $55,506,000 | $630,000 | $7,500,000 | $0 | $0 |
| Asian | 81 | $4,458,000 | $55,000 | $346,000 | $87,000 | $604,000 |
| American Indian or Alaskan Native | 33 | $1,378,000 | $41,000 | $440,000 | $99,000 | $1,000,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $773,000 | $64,000 | $215,000 | $89,000 | $328,000 |
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) | 8,564 | $387,184,000 | $45,000 | $7,500,000 | $72,000 | $8,500,000 |
| 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 | 4,907 | $242,241,000 | $49,000 | $7,500,000 | $75,000 | $3,728,000 |
| Application Denied By Financial Institution | 2,558 | $98,387,000 | $38,000 | $3,307,000 | $60,000 | $738,000 |
| Application Approved But Not Accepted | 730 | $26,611,000 | $36,000 | $411,000 | $83,000 | $3,749,000 |
| Application Withdrawn By Applicant | 369 | $19,945,000 | $54,000 | $1,100,000 | $101,000 | $8,500,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 1,373 | $36,697,000 | $26,000 | $257,000 | $56,000 | $637,000 |
| Debt-To-Income Ratio | 621 | $24,256,000 | $39,000 | $340,000 | $50,000 | $350,000 |
| Collateral | 255 | $14,818,000 | $58,000 | $258,000 | $80,000 | $550,000 |
| Credit Application Incomplete | 149 | $9,467,000 | $63,000 | $250,000 | $84,000 | $606,000 |
| Other | 95 | $9,110,000 | $95,000 | $3,307,000 | $88,000 | $738,000 |
| Unverifiable Information | 53 | $3,645,000 | $68,000 | $348,000 | $72,000 | $276,000 |
| Employment History | 12 | $394,000 | $32,000 | $120,000 | $54,000 | $96,000 |
| 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 2006 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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