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Fifth Third Bank, National Association
Bank|Cincinnati, OH|National
Loans Originated
10,811
Applications
17,630
Volume
$3 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐USDA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.263%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$542
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
61.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Report Card
Fifth Third Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | National · 50 metro areas · 47 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$361,924
Average Borrower Income
$173,404
Average Property Value
$494,433
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Strong | Sound | 8,722 | 80.7% | +0.296% | $593 |
FHA Loans | Strong | Exceptional | Strong | Sound | 819 | 7.6% | +0.520% | $1,105 |
VA Loans | Strong | Strong | Exceptional | Strong | 229 | 2.1% | -0.267% | $97 |
Jumbo Loans | Strong | Exceptional | Strong | Strong | 995 | 9.2% | -0.157% | -$370 |
USDA Loans | Strong | Strong | Exceptional | Sound | 46 | 0.4% | +0.216% | $1,218 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Strong | Sound | 8,198 | 75.8% | +0.203% | $481 |
Refinance | Strong | Exceptional | Sound | Strong | 2,613 | 24.2% | +0.445% | $728 |
Geographic Coverage
Metro Areas
49
States Served
47
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNENHNJNMNVNYOHOKORPASCTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Cincinnati, OHMSA
Volume: 808Mix: 7.47%
Place Specialization
Exceptional
2
Toledo, OH, OHMSA
Volume: 312Mix: 2.89%
Place Specialization
Exceptional
3
Cleveland, OH, OHMSA
Volume: 683Mix: 6.32%
Place Specialization
Exceptional
4
Columbus, OH, OHMSA
Volume: 576Mix: 5.33%
Place Specialization
Exceptional
5
Chicago, ILMSA
Volume: 937Mix: 8.67%
Place Specialization
Exceptional
6
Charleston, SCMSA
Volume: 249Mix: 2.30%
Place Specialization
Exceptional
7
Louisville/Jefferson County, KY, KY-INMSA
Volume: 290Mix: 2.68%
Place Specialization
Exceptional
8
Indianapolis, INMSA
Volume: 409Mix: 3.78%
Place Specialization
Strong
9
Lexington, KYMSA
Volume: 141Mix: 1.30%
Place Specialization
Strong
10
Grand Rapids, MIMSA
Volume: 444Mix: 4.11%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
OHState
Volume: 3,118Mix: 28.84%
Place Specialization
Exceptional
2
KYState
Volume: 740Mix: 6.84%
Place Specialization
Exceptional
3
INState
Volume: 1,342Mix: 12.41%
Place Specialization
Exceptional
4
ILState
Volume: 1,233Mix: 11.41%
Place Specialization
Exceptional
5
MIState
Volume: 1,528Mix: 14.13%
Place Specialization
Exceptional
6
SCState
Volume: 416Mix: 3.85%
Place Specialization
Strong
7
FLState
Volume: 872Mix: 8.07%
Place Specialization
Strong
8
NCState
Volume: 579Mix: 5.36%
Place Specialization
Strong
9
TNState
Volume: 256Mix: 2.37%
Place Specialization
Strong
10
WVState
Volume: 77Mix: 0.71%
Place Specialization
Strong
Showing 10 of 25 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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