# Fifth Third Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/fifth-third-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Fifth Third Bank, National Association is a bank, headquartered in Cincinnati, OH, serving borrowers nationwide, with 10,811 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 38% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** QFROUN1UWUYU0DVIWD51
- **Headquarters:** Cincinnati, OH
- **Geographic Reach:** National
- **States Served:** 47
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98%
- **Brokered/Wholesale:** 2%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.263%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $542
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 10,811
- **Dollar Volume:** $3.9 billion
- **Applications Received:** 17,630
- **Market Share:** 30.00%

## Typical Borrower Profile

- **Average Loan Amount:** $361,924
- **Average Borrower Income:** $173,404
- **Average Property Value:** $494,433

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (78%)
- ⭐ **Jumbo Gold Superstar** (77%)
- ⭐ **USDA Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 86/100 | 8,722 | +0.296% | $593 | Exceptional 🤩 |
| FHA | 82/100 | 819 | +0.520% | $1,105 | Exceptional 🤩 |
| VA | 77/100 | 229 | -0.267% | $97 | Strong 😀 |
| Jumbo | 92/100 | 995 | -0.157% | $-370 | Exceptional 🤩 |
| USDA | 80/100 | 46 | +0.216% | $1,218 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 6,570 loans, Score: 84/100 (Exceptional)
- Refinance: 2,152 loans, Score: 87/100 (Exceptional)

**FHA:**
- Purchase: 550 loans, Score: 79/100 (Strong)
- Refinance: 269 loans, Score: 83/100 (Exceptional)

**VA:**
- Purchase: 168 loans, Score: 73/100 (Strong)
- Refinance: 61 loans, Score: 79/100 (Strong)

**Jumbo:**
- Purchase: 864 loans, Score: 93/100 (Exceptional)
- Refinance: 131 loans, Score: 88/100 (Exceptional)

**USDA:**
- Purchase: 46 loans, Score: 80/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 84/100 | 8,198 | $3.3B | +0.203% | Exceptional 🤩 |
| Refinance | 87/100 | 2,613 | $655M | +0.445% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 3,118 | 2.32% | 92/100 |
| MI | 1,528 | 1.35% | 84/100 |
| IN | 1,342 | 1.47% | 85/100 |
| IL | 1,233 | 0.99% | 84/100 |
| FL | 872 | 0.30% | 73/100 |
| KY | 740 | 1.59% | 85/100 |
| NC | 579 | 0.39% | 72/100 |
| SC | 416 | 0.52% | 77/100 |
| TN | 256 | 0.28% | 68/100 |
| GA | 198 | 0.14% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,233 | 77/100 |
| Chicago | IL | 937 | 84/100 |
| Cincinnati, OH |  | 808 | 92/100 |
| Cleveland, OH | OH | 683 | 87/100 |
| Columbus, OH | OH | 576 | 87/100 |
| Grand Rapids | MI | 444 | 78/100 |
| Indianapolis | IN | 409 | 79/100 |
| Toledo, OH | OH | 312 | 91/100 |
| Louisville/Jefferson County, KY | KY-IN | 290 | 80/100 |
| Dayton | OH | 251 | 76/100 |
| Charleston | SC | 249 | 83/100 |
| Charlotte | NC-SC | 198 | 70/100 |
| Warren | MI | 181 | 67/100 |
| Fort Wayne, IN | IN | 175 | 73/100 |
| Nashville | TN | 168 | 70/100 |

## Where This Lender Ranks

Fifth Third Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Ohio for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Michigan for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Michigan for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Indiana for Jumbo Loans
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Indiana for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Cleveland, OH for Jumbo Loans
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Cleveland, OH for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Columbus, OH for Jumbo Loans
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Columbus, OH for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Grand Rapids for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Grand Rapids for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-rapids/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Louisville/Jefferson County, KY for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Louisville/Jefferson County, KY for Jumbo Loans
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Louisville/Jefferson County, KY for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Fort Wayne, IN for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Akron, OH for Jumbo Loans
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Akron, OH for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Lake County for Jumbo Loans
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Lake County for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Evansville, IN for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/evansville-in/best-mortgage-lenders/banks/va-loans)

## Frequently Asked Questions

### What loan types does Fifth Third Bank, National Association offer?

Fifth Third Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Fifth Third Bank, National Association offer mortgages?

Fifth Third Bank, National Association is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Fifth Third Bank, National Association's mortgage rates?

Fifth Third Bank, National Association has a pricing score of 62/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.263% above market average.

### What type of lender is Fifth Third Bank, National Association?

Fifth Third Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Cincinnati, OH.

### What is Fifth Third Bank, National Association's loan approval success rate?

Fifth Third Bank, National Association has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/fifth-third-bank-national-association

### How to Cite

> "Fifth Third Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fifth-third-bank-national-association

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