Fifth Third Bank Michigan Mortgage Lending & HMDA Data, 2005
In 2005, Fifth Third Bank Michigan of Cincinnati, OH reported 9,544 mortgage applications totaling $537.7 million, down 13% from 2004. The average application was for $56,342, and applicants reported an average income of $63,237. 58% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Grand Rapids-Wyoming, MI (1,042), Indianapolis, IN (721) and Chicago-Naperville-Joliet, IL (651) (applications in parentheses).
| Mortgage Company & Address | Fifth Third Bank Michigan 5001 Kingsley Drive MD 1mob2w Cincinnati, OH 45227 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 9,544 |
| Total Mortgage Loan Application Amount | $537,730,000 |
| Average Mortgage Loan Application Amount | $56,342 |
| Highest Mortgage Loan Application Amount | $12,265,000 |
| Average Applicant Income | $63,237 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fifth Third Bank Michigan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Grand Rapids-Wyoming, MI | 1,042 | $ 60,750,000 | $ 58,301 | $ 52,000 |
| Indianapolis, IN | 721 | $ 34,447,000 | $ 47,776 | $ 68,000 |
| Chicago-Naperville-Joliet, IL | 651 | $ 59,437,000 | $ 91,301 | $ 80,000 |
| Warren-Farmington Hills-Troy, MI | 443 | $ 29,221,000 | $ 65,961 | $ 75,000 |
| Louisville, KY-IN | 419 | $ 12,977,000 | $ 30,971 | $ 59,000 |
| Kalamazoo-Portage, MI | 401 | $ 19,989,000 | $ 49,847 | $ 51,000 |
| Niles-Benton Harbor, MI | 335 | $ 23,854,000 | $ 71,205 | $ 77,000 |
| Evansville, IN-KY | 285 | $ 16,690,000 | $ 58,561 | $ 47,000 |
| Muskegon-Norton Shores, MI | 275 | $ 9,801,000 | $ 35,640 | $ 58,000 |
| Holland-Grand Haven, MI | 273 | $ 11,824,000 | $ 43,311 | $ 58,000 |
| Lansing-East Lansing, MI | 242 | $ 10,455,000 | $ 43,202 | $ 66,000 |
| Detroit-Livonia-Dearborn, MI | 225 | $ 15,399,000 | $ 68,440 | $ 58,000 |
| Lexington-Fayette, KY | 209 | $ 16,705,000 | $ 79,928 | $ 69,000 |
| Terre Haute, IN | 186 | $ 5,766,000 | $ 31,000 | $ 56,000 |
| Fort Wayne, IN | 142 | $ 3,535,000 | $ 24,894 | $ 63,000 |
| Gary, IN | 117 | $ 4,201,000 | $ 35,905 | $ 52,000 |
| Cincinnati-Middletown, OH-KY-IN | 95 | $ 3,512,000 | $ 36,968 | $ 71,000 |
| Owensboro, KY | 91 | $ 5,723,000 | $ 62,890 | $ 84,000 |
| Battle Creek, MI | 90 | $ 4,502,000 | $ 50,022 | $ 73,000 |
| Flint, MI | 73 | $ 6,009,000 | $ 82,315 | $ 73,000 |
| Tampa-St. Petersburg-Clearwater, FL | 72 | $ 3,806,000 | $ 52,861 | $ 89,000 |
| Naples-Marco Island, FL | 66 | $ 10,731,000 | $ 162,590 | $ 61,000 |
| Cape Coral-Fort Myers, FL | 63 | $ 3,881,000 | $ 61,603 | $ 73,000 |
| Bloomington, IN | 55 | $ 1,528,000 | $ 27,781 | $ 51,000 |
| Lafayette, IN | 53 | $ 3,268,000 | $ 61,660 | $ 71,000 |
| Lake County-Kenosha County, IL-WI | 53 | $ 3,575,000 | $ 67,452 | $ 81,000 |
| Jackson, MI | 42 | $ 2,264,000 | $ 53,904 | $ 56,000 |
| Sarasota-Bradenton-Venice, FL | 34 | $ 5,778,000 | $ 169,941 | $ 108,000 |
| South Bend-Mishawaka, IN-MI | 29 | $ 1,301,000 | $ 44,862 | $ 52,000 |
| Columbus, IN | 28 | $ 734,000 | $ 26,214 | $ 55,000 |
| Ann Arbor, MI | 24 | $ 1,129,000 | $ 47,041 | $ 67,000 |
| Monroe, MI | 24 | $ 842,000 | $ 35,083 | $ 68,000 |
| Orlando, FL | 24 | $ 1,572,000 | $ 65,500 | $ 64,000 |
| Michigan City-La Porte, IN | 19 | $ 951,000 | $ 50,052 | $ 62,000 |
| Saginaw-Saginaw Township North, MI | 15 | $ 477,000 | $ 31,800 | $ 53,000 |
| Anderson, IN | 13 | $ 660,000 | $ 50,769 | $ 46,000 |
| St. Louis, MO-IL | 13 | $ 2,533,000 | $ 194,846 | $ 57,000 |
| Elkhart-Goshen, IN | 10 | $ 208,000 | $ 20,800 | $ 44,000 |
| Elizabethtown, KY | 9 | $ 210,000 | $ 23,333 | $ 58,000 |
| Bay City, MI | 8 | $ 543,000 | $ 67,875 | $ 47,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 467,000 | $ 58,375 | $ 90,000 |
| Kokomo, IN | 8 | $ 174,000 | $ 21,750 | $ 60,000 |
| Rockford, IL | 8 | $ 572,000 | $ 71,500 | $ 84,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 7,433,000 | $ 1,061,857 | $ 39,000 |
| Muncie, IN | 7 | $ 145,000 | $ 20,714 | $ 54,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 6,731,000 | $ 961,571 | $ 821,000 |
| Toledo, OH | 5 | $ 381,000 | $ 76,200 | $ 287,000 |
| Danville, IL | 4 | $ 104,000 | $ 26,000 | $ 39,000 |
| Lakeland, FL | 4 | $ 215,000 | $ 53,750 | $ 58,000 |
| Columbus, OH | 3 | $ 429,000 | $ 143,000 | $ 111,000 |
| Punta Gorda, FL | 3 | $ 599,000 | $ 199,666 | $ 36,000 |
| Bowling Green, KY | 2 | $ 277,000 | $ 138,500 | $ 19,000 |
| Champaign-Urbana, IL | 2 | $ 60,000 | $ 30,000 | $ 56,000 |
| Dayton, OH | 2 | $ 77,000 | $ 38,500 | $ 71,000 |
| Ocala, FL | 2 | $ 507,000 | $ 253,500 | $ 9,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 21,000 | $ 21,000 | $ 67,000 |
| Bloomington-Normal, IL | 1 | $ 29,000 | $ 29,000 | $ 55,000 |
| Burlington-South Burlington, VT | 1 | $ 5,000 | $ 5,000 | $ 88,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 3,000 | $ 3,000 | $ 100,000 |
| Clarksville, TN-KY | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 17,000 | $ 17,000 | $ 28,000 |
| Jacksonville, FL | 1 | $ 200,000 | $ 200,000 | $ 148,000 |
| Kansas City, MO-KS | 1 | $ 22,000 | $ 22,000 | $ 30,000 |
| Knoxville, TN | 1 | $ 100,000 | $ 100,000 | $ 250,000 |
| Lima, OH | 1 | $ 40,000 | $ 40,000 | $ 100,000 |
| Memphis, TN-MS-AR | 1 | $ 4,000 | $ 4,000 | $ 75,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 107,000 | $ 107,000 | $ 0 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 19,000 | $ 19,000 | $ 52,000 |
| Peoria, IL | 1 | $ 13,000 | $ 13,000 | $ 37,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 114,000 | $ 114,000 | $ 300,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 10,000 | $ 10,000 | $ 70,000 |
| Springfield, IL | 1 | $ 42,000 | $ 42,000 | $ 24,000 |
| Springfield, MO | 1 | $ 30,000 | $ 30,000 | $ 35,000 |
| Vero Beach, FL | 1 | $ 26,000 | $ 26,000 | $ 75,000 |
| Wilmington, NC | 1 | $ 1,400,000 | $ 1,400,000 | $ 328,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Fifth Third Bank Michigan in 2005
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 | 3,685 | $279,360,000 | $101,333 | $12,265,000 | $75,888 | $1,200,000 |
| Home Improvement | 3,621 | $91,568,000 | $18,266 | $2,000,000 | $73,066 | $1,125,000 |
| Home Purchase | 2,238 | $166,802,000 | $234,083 | $8,800,000 | $108,500 | $9,999,000 |
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 | 7,202 | $346,756,000 | $87,714 | $2,876,000 | $102,928 | $9,999,000 |
| Not Provided | 1,090 | $46,448,000 | $52,500 | $780,000 | $83,800 | $1,125,000 |
| Black or African American | 426 | $13,617,000 | $39,125 | $900,000 | $52,625 | $725,000 |
| Hispanic | 426 | $18,509,000 | $39,428 | $421,000 | $56,142 | $264,000 |
| Not applicable | 192 | $99,603,000 | $723,888 | $12,265,000 | $0 | $0 |
| Asian | 133 | $9,907,000 | $61,500 | $800,000 | $95,333 | $1,496,000 |
| American Indian or Alaskan Native | 61 | $2,494,000 | $42,285 | $398,000 | $69,857 | $425,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $396,000 | $28,500 | $115,000 | $61,000 | $142,000 |
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) | 9,544 | $537,730,000 | $113,277 | $12,265,000 | $81,333 | $9,999,000 |
| 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 | 5,553 | $347,107,000 | $86,266 | $12,265,000 | $85,200 | $9,999,000 |
| Application Denied By Financial Institution | 2,931 | $133,848,000 | $40,454 | $8,800,000 | $63,272 | $1,200,000 |
| Application Approved But Not Accepted | 871 | $47,078,000 | $194,777 | $1,625,000 | $109,333 | $2,000,000 |
| Application Withdrawn By Applicant | 189 | $9,697,000 | $86,750 | $605,000 | $74,500 | $1,070,000 |
| 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 | 1,558 | $50,718,000 | $25,750 | $421,000 | $50,375 | $489,000 |
| Debt-To-Income Ratio | 675 | $38,872,000 | $51,166 | $1,900,000 | $46,166 | $357,000 |
| Collateral | 243 | $12,510,000 | $42,125 | $563,000 | $74,625 | $1,200,000 |
| Other | 220 | $18,783,000 | $78,714 | $8,800,000 | $103,571 | $413,000 |
| Credit Application Incomplete | 128 | $5,663,000 | $49,375 | $222,000 | $86,375 | $455,000 |
| Unverifiable Information | 90 | $6,729,000 | $54,800 | $780,000 | $74,000 | $505,000 |
| Employment History | 17 | $573,000 | $20,000 | $123,000 | $46,666 | $73,000 |
| 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 Michigan's 2005 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 Michigan'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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