Fifth Third Bank's 10.8k closed loans and 18k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
USDA
Superstar
Purchase
Superstar
Refinance
Superstar
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 performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+26.3 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
8,722 loans · 0.30% above market
Exceptional
Top 20% of lenders
5/5
FHA
819 loans · 0.52% above market
Exceptional
Top 20% of lenders
5/5
VA
229 loans · 0.27% below market
Strong
Top 40% of lenders
4/5
Jumbo
995 loans · 0.16% below market
Exceptional
Top 10% of lenders
5/5
USDA
46 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
8,198 loans · 0.20% above market
Exceptional
Top 20% of lenders
5/5
Refinance
2,613 loans · 0.45% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Strong
Top 40% of lenders
4/5
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 |
Conventional
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughSound
Volume8,722
Mix80.7%
Spread
+0.296%Above
Fees
$593Fees
FHA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughSound
Volume819
Mix7.6%
Spread
+0.520%Above
Fees
$1,105Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume229
Mix2.1%
Spread
-0.267%Below
Fees
$97Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume995
Mix9.2%
Spread
-0.157%Below
Fees
$370Credit
USDA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume46
Mix0.4%
Spread
+0.216%Above
Fees
$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 |
Purchase
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughSound
Volume8,198
Mix75.8%
Spread
+0.203%Above
Fees
$481Fees
Refinance
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,613
Mix24.2%
Spread
+0.445%Above
Fees
$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
markets with activity
States Served
47
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
47Full-year 2024 · HMDALoans originated
< 2020–5050–100100–1,0001,000+None
Northeast8
CTMEMANHNJNYPAVT
Midwest10
IAILINKSMIMNMONEOHWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West12
AKAZCACOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 25 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.