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Fifth Third Bank National Association's 10.8k closed loans and 18k applications, benchmarked against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Strong
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
National · 49 mkts
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar⭐USDA Superstar⭐Purchase Superstar⭐Refinance Superstar
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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
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Report Card
Fifth Third Bank, National Association performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Highly Competitive +26.3 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Market Leader Top 10% of lenders | |
USDA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 8,722 | 80.7% | +0.296%Above | $593Fees | ||||
FHA Loans | 819 | 7.6% | +0.520%Above | $1,105Fees | ||||
VA Loans | 229 | 2.1% | -0.267%Below | $97Fees | ||||
Jumbo Loans | 995 | 9.2% | -0.157%Below | $370Credit | ||||
USDA Loans | 46 | 0.4% | +0.216%Above | $1,218Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 8,198 | 75.8% | +0.203%Above | $481Fees | ||||
Refinance | 2,613 | 24.2% | +0.445%Above | $728Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
10,811
Applications
17,630
Volume
$3 billion
Pricing & Closing
Avg Rate Spread
+0.263%
vs. market APOR
Avg Net Fees
$542
Origination − Credits
Pullthrough Rate
61.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$361,924
Avg Borrower Income
$173,404
Avg Property Value
$494,433
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
47
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNENHNJNMNVNYOHOKORPASCTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Cincinnati, OHMSA
Volume: 808Mix: 7.47%of portfolio
Place
Exceptional2
Toledo, OH, OHMSA
Volume: 312Mix: 2.89%of portfolio
Place
Exceptional3
Cleveland, OH, OHMSA
Volume: 683Mix: 6.32%of portfolio
Place
Exceptional4
Columbus, OH, OHMSA
Volume: 576Mix: 5.33%of portfolio
Place
Exceptional5
Chicago, ILMSA
Volume: 937Mix: 8.67%of portfolio
Place
Exceptional6
Charleston, SCMSA
Volume: 249Mix: 2.30%of portfolio
Place
Exceptional7
Louisville/Jefferson County, KY, KY-INMSA
Volume: 290Mix: 2.68%of portfolio
Place
Exceptional8
Indianapolis, INMSA
Volume: 409Mix: 3.78%of portfolio
Place
Strong9
Lexington, KYMSA
Volume: 141Mix: 1.30%of portfolio
Place
Strong10
Grand Rapids, MIMSA
Volume: 444Mix: 4.11%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
OHState
Volume: 3,118Mix: 28.84%of portfolio
Place
Exceptional2
KYState
Volume: 740Mix: 6.84%of portfolio
Place
Exceptional3
INState
Volume: 1,342Mix: 12.41%of portfolio
Place
Exceptional4
ILState
Volume: 1,233Mix: 11.41%of portfolio
Place
Exceptional5
MIState
Volume: 1,528Mix: 14.13%of portfolio
Place
Exceptional6
SCState
Volume: 416Mix: 3.85%of portfolio
Place
Strong7
FLState
Volume: 872Mix: 8.07%of portfolio
Place
Strong8
NCState
Volume: 579Mix: 5.36%of portfolio
Place
Strong9
TNState
Volume: 256Mix: 2.37%of portfolio
Place
Strong10
WVState
Volume: 77Mix: 0.71%of portfolio
Place
StrongShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.