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Fifth Third Bank, National Association in Ohio

HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview

LEI QFROUN1UWUYU0DVIWD51
Reporting agency Office of the Comptroller of the Currency
State Ohio

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.

In Ohio, Fifth Third Bank, National Association reported 16,649 applications and 9,650 originations for 2024, $1.5bn in all.

Its denial rate in the state was 29.8%, above the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 32.7%.

The median rate spread on its Ohio originations was 0.9 percentage points (state median 0.5).

Applications in the state were up 12% on 2023.

16,649applications in OH, 202429.6% of the lender's total
9,650loans originated$1.5bn
29.8%denial rateOH all lenders 23.5%
0.9 ppmedian rate spreadOH 0.5 pp

Compared with the state and the lender's national record

MeasureIn OhioOhio, all lendersFifth Third Bank, National Association, all statesUnited States
Denial rate29.8%23.5%32.7%24.3%
Median rate spread, pp0.90.50.80.3
Originations with spread of 1.5 pp or more32.1%17.7%30.8%15.6%
Average originated loan$151k$218k$204k$329k
Home purchase share27.3%51.7%30.6%57.0%
FHA-insured share3.1%12.3%3.2%13.4%
VA-guaranteed share0.8%5.9%0.8%7.9%

Trend by year

ApplicationsOriginations

012777.525,5552022: 25,555 Applications2023: 14,915 Applications2024: 16,649 Applications2022: 16,448 Originations2023: 8,926 Originations2024: 9,650 Originations202220232024
Fifth Third Bank, National Association in Ohio: applications and originations, 2022–2024

This lender in stateOhio, all lenders

0%14.9%29.8%2022: 23.4% This lender in state2023: 27.6% This lender in state2024: 29.8% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Ohio

By purpose

Home purchase 27% (2,632)Home improvement 25% (2,428)Refinancing 23% (2,204)Cash-out refinancing 5% (530)Other purpose 19% (1,856)

By type

Conventional 96% (9,253)FHA 3% (302)VA 1% (79)USDA 0% (16)

Denial reasons as coded

Credit history44.4%
Debt-to-income ratio18.2%
Other15.8%
Collateral12.9%
Credit application incomplete5.6%
Unverifiable information1.9%
Employment history0.9%
Insufficient cash (downpayment, closing costs)0.3%
Mortgage insurance denied0%

Share of 4,234 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).

Counties in Ohio

CountyApplicationsOriginationsAmountDenial rate
Hamilton County2,1221,192$190m30.1%
Franklin County1,760991$186m31.4%
Cuyahoga County1,593910$159m31.5%
Lucas County1,096660$71m29.4%
Butler County1,078614$83m30.0%
Montgomery County1,095576$55m34.6%
Lorain County638403$52m27.3%
Warren County642391$62m26.5%
Clermont County649388$51m28.1%
Summit County631375$57m27.2%
Delaware County402252$67m24.0%
Miami County315213$23m21.3%
Medina County272182$30m17.0%
Lake County289176$35m25.7%
Greene County269159$22m26.2%
Stark County245159$22m28.2%
Wood County250158$20m25.0%
Fairfield County239130$19m34.3%
Licking County16397$23m27.3%
Hancock County15695$12m27.6%
Clark County15993$11m31.9%
Portage County14384$17m31.7%
Scioto County14478$7.9m35.8%
Seneca County11773$7.9m27.9%
Geauga County10573$24m21.9%
Union County11569$28m26.3%
Adams County11768$6.2m27.8%
Highland County11364$7.0m31.6%
Ross County10259$6.9m21.3%
Brown County9659$6.9m30.2%
Clinton County10151$5.5m33.8%
Erie County9749$5.7m35.4%
Shelby County7847$5.5m27.7%
Fayette County8544$5.0m41.8%
Allen County8040$4.7m39.7%
Pickaway County6137$8.4m21.6%
Preble County6734$2.6m37.5%
Marion County5131$3.3m25.6%
Auglaize County6330$3.3m35.8%
Sandusky County5429$3.9m34.0%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Fifth Third Bank, National Association originate in Ohio in 2024?

9,650 loans totalling $1.5bn, from 16,649 applications reported for properties in Ohio.

What is Fifth Third Bank, National Association's denial rate in Ohio?

29.8% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does Fifth Third Bank, National Association lend in most?

By originations: Hamilton County (1,192), Franklin County (991), Cuyahoga County (910), Lucas County (660), Butler County (614).

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 Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.