Fifth Third Bank in Michigan vs the state
26.4%Denial rate+7.84 pts vs state
31.8%Decision denial rate+9.17 pts vs state
54.6%Origination rate-5.26 pts vs state
7.50%Median rate+0.75 pts vs state
0.56Rate spread (pts)+0.16 pts vs state
$84kMedian applicant income
6,106Loans originated
2,946Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,754 | 4,563 | 23.0% | 7.97% | #6 |
| 2024 | 8,288 | 4,686 | 26.0% | 8.50% | #5 |
| 2025 | 11,176 | 6,106 | 26.4% | 7.50% | #5 |
What Fifth Third Bank lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Fifth Third Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 1,693 | 992 | 374 | 22.1% |
| Wayne County | 999 | 383 | 398 | 39.8% |
| Ottawa County | 892 | 577 | 151 | 16.9% |
| Oakland County | 799 | 426 | 199 | 24.9% |
| Macomb County | 649 | 344 | 187 | 28.8% |
| Muskegon County | 480 | 288 | 121 | 25.2% |
| Kalamazoo County | 377 | 211 | 96 | 25.5% |
| Berrien County | 371 | 206 | 87 | 23.5% |
| Monroe County | 314 | 187 | 86 | 27.4% |
| Genesee County | 290 | 148 | 94 | 32.4% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
| Newrez | D | 4,958 | 18.5% | 6.75% |
Frequently asked questions
Michigan: 11,176 applications in 2025, of which 6,106 were originated and 2,946 denied.
26.4% of all applications, or 31.8% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Fifth Third Bank originated in Michigan in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Fifth Third Bank's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology