Lenders › Fifth Third Bank, National Association › Florida
Fifth Third Bank, National Association in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Fifth Third Bank, National Association's 2024 HMDA record for Florida covers 6,305 applications, 2,670 of them originated, worth $833m.
Its denial rate in the state was 45.2%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 32.7%.
The median rate spread on its Florida originations was 0.7 percentage points (state median 0.3).
Applications in the state were up 9% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Fifth Third Bank, National Association, all states | United States |
|---|---|---|---|---|
| Denial rate | 45.2% | 29.0% | 32.7% | 24.3% |
| Median rate spread, pp | 0.7 | 0.3 | 0.8 | 0.3 |
| Originations with spread of 1.5 pp or more | 29.3% | 16.4% | 30.8% | 15.6% |
| Average originated loan | $312k | $359k | $204k | $329k |
| Home purchase share | 33.6% | 62.9% | 30.6% | 57.0% |
| FHA-insured share | 1.0% | 17.7% | 3.2% | 13.4% |
| VA-guaranteed share | 0.4% | 9.5% | 0.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 34% (896)Home improvement 33% (869)Refinancing 12% (327)Cash-out refinancing 2% (52)Other purpose 20% (526)
By type
Conventional 99% (2,631)FHA 1% (27)VA 0% (11)USDA 0% (1)
Denial reasons as coded
Share of 2,305 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Lee County | 634 | 267 | $61m | 45.4% |
| Pinellas County | 551 | 228 | $59m | 43.7% |
| Orange County | 527 | 218 | $73m | 46.4% |
| Collier County | 457 | 184 | $73m | 45.4% |
| Hillsborough County | 493 | 182 | $54m | 53.5% |
| Sarasota County | 324 | 152 | $41m | 37.6% |
| Manatee County | 293 | 144 | $40m | 40.7% |
| Palm Beach County | 377 | 139 | $52m | 50.3% |
| Seminole County | 250 | 124 | $23m | 38.3% |
| Pasco County | 232 | 107 | $23m | 42.2% |
| Broward County | 258 | 105 | $52m | 47.3% |
| Duval County | 214 | 89 | $27m | 43.0% |
| St. Johns County | 144 | 86 | $33m | 28.5% |
| Volusia County | 205 | 83 | $17m | 47.9% |
| Lake County | 156 | 64 | $17m | 49.6% |
| Osceola County | 167 | 58 | $8.7m | 56.7% |
| Charlotte County | 159 | 54 | $14m | 53.7% |
| Polk County | 148 | 54 | $9.8m | 55.2% |
| Miami-Dade County | 158 | 47 | $39m | 60.7% |
| Flagler County | 59 | 32 | $6.7m | 28.3% |
| Brevard County | 70 | 31 | $8.0m | 43.1% |
| Walton County | 34 | 25 | $30m | 16.7% |
| Marion County | 42 | 24 | $4.1m | 28.6% |
| Martin County | 38 | 22 | $13m | 17.9% |
| Clay County | 33 | 19 | $4.5m | 34.5% |
| St. Lucie County | 37 | 14 | $2.9m | 51.7% |
| Hernando County | 39 | 13 | $1.1m | 58.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Fifth Third Bank, National Association originate in Florida in 2024?
2,670 loans totalling $833m, from 6,305 applications reported for properties in Florida.
What is Fifth Third Bank, National Association's denial rate in Florida?
45.2% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 32.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Fifth Third Bank, National Association lend in most?
By originations: Lee County (267), Pinellas County (228), Orange County (218), Collier County (184), Hillsborough County (182).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.