In this guide

  • Our verdict
  • Details
    • Features
Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

Fifth Third Bank mortgage review

  • Avatar
Fifth Third Bank
Minimum credit score
Conventional: 620
Minimum down payment (Conventional)
State availability
Only available in: FL, GA, IL, IN, KY, MI, NC, OH, TN, VA, WV

Our verdict

Traditional and specialty home loan products are plentiful, but state availability is limited and customer reviews mixed.

If you're after a first-time homebuyer program, a physician loan or fixed-rate HELOC, Fifth Third Bank may be a good choice. But mortgages are only available in select states, and there's no online process for applying. However, some borrowers may prefer in-person support.

But if you're someone looking for an end-to-end digital mortgage or a lender that provides both personalized service and modernized digital application and payment processes, your best bet is to keep looking for the right lender for your needs.


  • Wide range of products
  • Lenient lending


  • Limited availability
  • Poor online reviews
  • No online application

In this guide

  • Our verdict
  • Details
    • Features



Loan products offered Conventional, Jumbo, FHA, VA, Home Equity/HELOC, Refinance
Minimum credit score Conventional: 620
Minimum down payment (Conventional) 3%
State availability Only available in: FL, GA, IL, IN, KY, MI, NC, OH, TN, VA, WV
NMLS # 403245

Fifth Third Bank requirements

To find out if you’re eligible for a Fifth Third Bank home loan, visit the company’s website. Basic eligibility for a mortgage loan includes:

  • Residency in select states
  • Two years’ history of employment
  • A FICO credit score of 620 or higher
  • No history of bankruptcy in the past two years


Fifth Third states on its website that the necessary documents vary based on the type of loan you apply for. But be prepared to supply the standard home loan documentation, including:

  • Social Security number
  • Driver’s license, state ID or US passport
  • Bank statements for the previous two months
  • W-2s for the previous year
  • Tax returns for the previous two years
  • Pay stubs for the previous two months
  • Profit and loss statements, if self-employed
  • List of your assets, including savings, real estate, car titles, retirement accounts and other investment records
  • List of your debts, including student loans, credit cards and car loans

Costs and fees

While Fifth Third Bank provides no information about its fees on its website, most lenders charge a loan origination fee from .5 to 1% of the total loan amount. Additionally, you can expect to pay another 2% to 5% of the total loan amount in closing costs, which typically include:

  • Appraisal
  • Credit report
  • Document preparation
  • Home inspection
  • Private mortgage insurance
  • State taxes
  • Title charges
  • Taxes

How to apply for a mortgage with Fifth Third Bank

While you can’t get prequalified or submit an application through Fifth Third Bank’s website, you can fill out a short form to be connected with a Fifth Third Bank loan specialist.

  1. Go to the Fifth Third Bank website and select Get Started.
  2. Enter your contact details and answer a few questions about the type of home loan you want, then hit Submit.
  3. Wait for a mortgage loan originator to contact you.

During business hours, a Fifth Third Bank loan specialist will review your information and reach you the same day. If you submit your request on weekdays after 7 p.m. ET, Saturday after 2 p.m. or anytime on Sunday, you will be contacted by 10 a.m. the next business day. Or, call the bank directly at 866-601-6543.

What types of mortgages can I get through Fifth Third Bank?

  • Conventional
  • FHA
  • VA
  • USDA
  • Jumbo
This company accepts mortgage refinance applications.

Other mortgage products offered by Fifth Third Bank

Fifth Third Bank also offers these specialized types of mortgages.

  • Home equity. Fifth Third Bank’s home equity loans pay out a lump sum and feature fixed interest rates, regular payments and no closing costs.
  • HELOC. Fifth Third Bank’s HELOC is a revolving line of credit offering adjustable and/or fixed rates, interest-only payments for 10 years, no closing costs and rate lock options.
  • Construction loans. If you’re planning to build a primary residence, Fifth Third Bank offers both conforming and jumbo construction loans.
  • Physician and dentist loans. Fixed- and adjustable-rate loans of up to $1.5 million are available with no private mortgage insurance for qualifying interns, residents, fellows and established physicians and dentists.
  • Community mortgage. A 30-year fixed-rate mortgage with down payments as low as 3%. Borrowers can qualify with incomes at or below 80% of the median household income for their area.
  • Home Possible and HomeReady. These mortgages are designed for low-income borrowers looking to purchase property in an underserved area. Low down-payment options are available alongside reduced mortgage insurance premiums.
  • VA (IRRRL) refinance loan. This option allows you to secure a lower fixed interest rate on an existing VA loan and requires no income verification or appraisal.
  • Mortgage refinancing. This loan option can help reduce your interest rate, lower your monthly mortgage payment and get rid of private mortgage insurance by replacing your current mortgage with a new one with better terms.

How Fifth Third Bank’s mortgage products compare to other lenders

Compared to other lenders, Fifth Third Bank offers a higher-than-average number of home loan options, including first-time homebuyer programs and specialized loans. And while rates are not listed on the website, some customers online report receiving competitive interest rates and lower-than-expected closing costs.

Compare mortgage lenders

Compare top brands by home loan type, state availability and credit score. Select See rates to provide the lender with basic property and financial details for personalized rates.

Disclaimer: The partners on Finder's mortgage comparison tables are sorted in alphabetical order.

Name Product Loan products offered State availability Min. credit score
Rocket Mortgage
Not rated yet
Rocket Mortgage
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
Apply online for free and lock in your rate for 90 days.
Veterans United
Not rated yet
Veterans United
Conventional, FHA, VA, USDA, Jumbo, Refinance
Available in all states
Veterans United stands out from other lenders for its focus on serving the military community.

Fifth Third Bank reviews and complaints

As of August 2022, Fifth Third Bank has a 4.92 out of 5 rating with Zillow from 236 customers. On the other hand, the bank only has a 1.09 out of 5 rating on the Better Business Bureau (BBB) website from nearly 300 customers. Fifth Third Bank has been accredited with the BBB since 1928 and has an A+ business rating, but there have been 1,503 customer complaints closed in the past three years across different departments.
Positive customer reviews mention attentive and knowledgeable service and timely communication from mortgage officers, making for a smooth home loan application experience. Complaints mention poor customer service over the phone and antiquated manual processes that make it difficult to set up online payments for mortgages.

Pros and cons of Fifth Third Bank


  • Wide range of products. From standard loan options to specialty government-backed programs, Fifth Third Bank has a solid range of home loan options for a variety of situations.
  • Fixed-rate HELOC option. At Fifth Third Bank, select either an adjustable rate or a fixed rate on all or part of your no-closing-cost HELOC. To lock in a fixed rate, you must pay a $95 fee.
  • Lenient lending. Fifth Third Bank’s Home Possible and HomeReady loans are designed for lower-income borrowers and offer low down-payment options with reduced insurance premiums.


  • Limited availability. Fifth Third Bank mortgages are only available in a handful of states.
  • Mixed online reviews. While some customers report positive home loan experiences, thousands of others have registered complaints against the company across different departments, including mortgage servicing.
  • No online application. You’ll need to call or meet with a loan specialist in person to start the application process.

What is Fifth Third Bank?

Fifth Third Bank is headquartered in Cincinnati, Ohio, with a history dating back to 1858. Today, it employs over 20,000 people across 1,200 banking centers in multiple states. Fifth Third Bancorp is the indirect parent company of Fifth Third Bank and, as of June 2022, had $207 billion in assets. The bank ranks 325th on the 2020 Fortune 500 List and is among the top 20 banks by total assets in the US.

Go to site