Fifth Third Bank, National Association mortgage approval rate & lending review
Fifth Third Bank, National Association decided 94,530 mortgage applications and funded 64,221 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Fifth Third Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Fifth Third Bank, National Association at a glance
Approval is 2.9 points below the 73.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 86% | 20,411 / 23,680 | 98% | $265K | 20,087 |
| Home improvement loans | 60% | 22,179 / 36,874 | 95% | $85K | 21,101 |
| Cash-out refinance | 69% | 3,422 / 4,960 | 98% | $155K | 3,362 |
| Refinance | 76% | 18,256 / 24,047 | 96% | $105K | 17,547 |
| Investment property purchase | 75% | 1,430 / 1,909 | 98% | $225K | 1,406 |
| Investment cash-out refinance | 67% | 186 / 278 | 99% | $135K | 184 |
| Investment refinance | 32% | 305 / 939 | 97% | $135K | 297 |
| Investment home improvement | 13% | 248 / 1,843 | 96% | $105K | 237 |
Fifth Third Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 74% | $105K | 29,925 | 21,456 |
| Michigan | 73% | $105K | 13,285 | 9,371 |
| Florida | 59% | $155K | 12,124 | 6,884 |
| Illinois | 66% | $155K | 11,524 | 7,374 |
| Indiana | 72% | $105K | 9,185 | 6,347 |
| North Carolina | 70% | $155K | 5,330 | 3,585 |
| Kentucky | 74% | $105K | 4,890 | 3,496 |
| Tennessee | 69% | $175K | 2,591 | 1,730 |
| Georgia | 62% | $205K | 2,113 | 1,249 |
| South Carolina | 81% | $465K | 1,978 | 1,583 |
| West Virginia | 67% | $105K | 165 | 107 |
| Texas | 69% | $465K | 154 | 105 |
| California | 76% | $905K | 153 | 114 |
| Pennsylvania | 76% | $275K | 138 | 101 |
| New York | 58% | $195K | 134 | 78 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Fifth Third Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cook County, IL | Mortgage lenders | 84% | 1,772 | 1,453 |
| Hamilton County, OH | Refinance | 79% | 1,521 | 1,145 |
| Cook County, IL | Home improvement loans | 45% | 2,335 | 1,003 |
| Cuyahoga County, OH | Mortgage lenders | 86% | 1,110 | 944 |
| Hamilton County, OH | Home improvement loans | 63% | 1,572 | 940 |
| Franklin County, OH | Mortgage lenders | 90% | 996 | 885 |
| Cook County, IL | Refinance | 68% | 1,275 | 831 |
| Franklin County, OH | Refinance | 77% | 1,108 | 828 |
| Hamilton County, OH | Mortgage lenders | 89% | 904 | 797 |
| Franklin County, OH | Home improvement loans | 59% | 1,284 | 722 |
| Kent County, MI | Refinance | 80% | 862 | 659 |
| Cuyahoga County, OH | Home improvement loans | 59% | 1,125 | 638 |
The county markets where Fifth Third Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Fifth Third Bank, National Association
What is Fifth Third Bank, National Association's mortgage approval rate?
Fifth Third Bank, National Association approved 70.3% of the 94,530 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.9 points below the 73.2% national rate for the same mix of loan types.
How often do borrowers take the loan Fifth Third Bank, National Association offers?
Borrowers accepted 97% of the loans Fifth Third Bank, National Association approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Fifth Third Bank, National Association make?
The typical home improvement loan loan Fifth Third Bank, National Association made was $85K; across all loan types its typical loan ran from $85K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Fifth Third Bank, National Association lend?
Fifth Third Bank, National Association decided applications in 48 of the states Fat Boy Data covers, most of them in Ohio, Michigan and Florida.
Can I apply to Fifth Third Bank, National Association directly?
Yes. Fifth Third Bank, National Association is a bank or credit union with 1,508 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Fifth Third Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Fifth Third Bank, National Association treats applications, then get a rate quote from the lender.