Lenders › Fifth Third Bank, National Association › Kentucky
Fifth Third Bank, National Association in Kentucky
HMDA record for properties in Kentucky, calendar year 2024. National record · Kentucky 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 Kentucky covers 4,175 applications, 2,422 of them originated, worth $372m.
Its denial rate in the state was 29.3%, above the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 32.7%.
The median rate spread on its Kentucky originations was 0.9 percentage points (state median 0.4).
Applications in the state were up 12% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | Fifth Third Bank, National Association, all states | United States |
|---|---|---|---|---|
| Denial rate | 29.3% | 25.0% | 32.7% | 24.3% |
| Median rate spread, pp | 0.9 | 0.4 | 0.8 | 0.3 |
| Originations with spread of 1.5 pp or more | 33.3% | 16.0% | 30.8% | 15.6% |
| Average originated loan | $153k | $219k | $204k | $329k |
| Home purchase share | 24.1% | 55.3% | 30.6% | 57.0% |
| FHA-insured share | 4.0% | 14.6% | 3.2% | 13.4% |
| VA-guaranteed share | 1.2% | 8.0% | 0.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 24% (584)Home improvement 26% (636)Refinancing 24% (573)Cash-out refinancing 6% (150)Other purpose 20% (479)
By type
Conventional 94% (2,287)FHA 4% (98)VA 1% (28)USDA 0% (9)
Denial reasons as coded
Share of 1,037 denials in Kentucky by first denial reason coded (outlined bar: all lenders in the state).
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jefferson County | 1,058 | 580 | $94m | 31.5% |
| Kenton County | 445 | 272 | $32m | 27.0% |
| Campbell County | 399 | 234 | $34m | 28.2% |
| Fayette County | 385 | 230 | $53m | 25.8% |
| Boone County | 342 | 226 | $30m | 23.2% |
| Oldham County | 130 | 77 | $14m | 24.1% |
| Bullitt County | 91 | 57 | $7.3m | 29.3% |
| Hopkins County | 101 | 54 | $4.0m | 36.0% |
| Scott County | 97 | 53 | $8.5m | 31.3% |
| Henderson County | 79 | 49 | $5.3m | 26.9% |
| Daviess County | 66 | 45 | $4.6m | 25.8% |
| Madison County | 68 | 38 | $5.3m | 29.1% |
| Shelby County | 67 | 38 | $6.7m | 25.5% |
| Union County | 47 | 31 | $3.0m | 34.0% |
| Franklin County | 57 | 29 | $3.4m | 34.0% |
| Jessamine County | 50 | 25 | $10m | 35.0% |
| Spencer County | 29 | 24 | $4.0m | 10.7% |
| Pendleton County | 45 | 23 | $2.6m | 34.3% |
| Lyon County | 25 | 20 | $3.5m | — |
| Bourbon County | 33 | 19 | $2.5m | 21.4% |
| Boyd County | 38 | 16 | $1.6m | 44.8% |
| Grant County | 32 | 16 | $1.4m | 46.7% |
| Harrison County | 30 | 16 | $2.0m | 34.6% |
| Mercer County | 27 | 14 | $1.7m | — |
| Greenup County | 28 | 9 | $1.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Fifth Third Bank, National Association originate in Kentucky in 2024?
2,422 loans totalling $372m, from 4,175 applications reported for properties in Kentucky.
What is Fifth Third Bank, National Association's denial rate in Kentucky?
29.3% of decided applications in Kentucky were denied, against 25.0% 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 Kentucky counties does Fifth Third Bank, National Association lend in most?
By originations: Jefferson County (580), Kenton County (272), Campbell County (234), Fayette County (230), Boone County (226).
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 Kentucky. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.