Applications / Mortgage Analytics / Lenders / Ohio / Fifth Third Bank
Cincinnati, OH · National bank · OCC · $214 billion assets · 39,534 loans in 2025
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39,534
loans originated, 2025
75,426
applications, 2025
48
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fifth Third Bank's originations rose 30% in 2025, faster than more than nine in ten similar lenders, and it gained share in Cincinnati, Columbus, Cleveland and Grand Rapids.
Similar lenders are national banks making between a quarter and four times as many loans; their typical growth was 8%. Its share rose from 3.9% to 4.3% in Cincinnati, from 2.3% to 2.8% in Columbus, from 3.2% to 3.4% in Cleveland and from 3.8% to 4.2% in Grand Rapids.
Refinances made up 32.6% of its loans and home improvement 26.6%, against 23.8% for purchase. Its typical loan of $105,000 was the lowest among similar lenders, against $205,000, which may reflect that mix.
It turned down 9.9% of first-lien home-purchase applications on owner-occupied homes, against 11.1%, lower than most similar lenders.
Low- and moderate-income (LMI) borrowers took 35.3% of its loans, against 24.5% for similar lenders, higher than more than four in five of them. Majority-minority areas took 10.5%, the lowest among similar lenders, whose typical share was 21.4%. The makeup of its Ohio and Michigan markets could account for that gap.
Questions the data can answer next
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fifth Third Bank took 75,426 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 32.6% · Home improvement 26.6% · Purchase 23.8% · Other 17.0%
Conventional 96.5% · FHA 2.5% · VA 0.9% · USDA (RHS or FSA) 0.1% · of 39,534 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 12,389 | 31.3% |
| Michigan | 6,106 | 15.4% |
| Indiana | 4,817 | 12.2% |
| Illinois | 4,111 | 10.4% |
| Florida | 3,553 | 9.0% |
| Kentucky | 3,150 | 8.0% |
| North Carolina | 2,216 | 5.6% |
| Tennessee | 971 | 2.5% |
| South Carolina | 863 | 2.2% |
| Georgia | 691 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 4,590 |
| Chicago-Naperville-Schaumburg | 2,891 |
| Columbus | 2,264 |
| Cleveland | 2,137 |
| Grand Rapids-Wyoming-Kentwood | 1,775 |
| Indianapolis-Carmel-Greenwood | 1,561 |
| Dayton-Kettering-Beavercreek | 1,265 |
| Charlotte-Concord-Gastonia | 1,259 |
| Louisville/Jefferson County | 1,203 |
| Warren-Troy-Farmington Hills | 1,049 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | QFROUN1UWUYU0DVIWD51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 723112 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2723112 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9723112 | 2011–2017 |
Established 1 January 1865. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Fifth Third Bank's data.
Fifth Third Bank's data
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Fifth Third Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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