Question 1

What are Fifth Third Bank, N.A.'s average closing costs?

Accepted Answer

Based on 15,572 homebuyer-submitted Closing Disclosures, Fifth Third Bank, N.A.'s median total closing costs are $3,449. This is roughly in line with the $3,412 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.

Question 2

Does Fifth Third Bank, N.A. charge junk fees?

Accepted Answer

None of the 15,572 Closing Disclosures we've analyzed for Fifth Third Bank, N.A. included fees flagged as potentially excessive — a strong sign. That said, every loan is different. Fair Closing Check can review your specific disclosure to confirm there are no hidden charges on your loan.

Question 3

How do Fifth Third Bank, N.A.'s fees compare to other lenders?

Accepted Answer

Fifth Third Bank, N.A. currently holds a grade of A on Fair Closing Check, placing them well below the national average — one of the most competitive lenders in our database. Their median closing costs of $3,449 are roughly in line with the $3,412 national peer median. Grades are based on real homebuyer-submitted Closing Disclosures and scale from A (well below average) to F (significantly above average). This is informational only; individual loans vary by state, loan type, and borrower circumstances.

Question 4

Can I negotiate closing costs with Fifth Third Bank, N.A.?

Accepted Answer

Yes — closing costs are almost always negotiable to some degree. Based on our data, Fifth Third Bank, N.A.'s origination fee (avg $1,936 vs $1,591 peer avg) and title insurance (avg $3,201 vs $3,111 peer avg) have both run above comparable lenders — making them the most important fees to challenge. Lender-controlled fees like origination, processing, and underwriting charges can often be reduced or waived, especially if you have a strong credit profile or are comparing offers from multiple lenders. Third-party fees such as title insurance and settlement services can sometimes be shopped around for better rates — you are generally entitled to choose your own providers. Fair Closing Check analyzes your specific Closing Disclosure and identifies which fees to challenge and how much room there is to negotiate. This is informational only and not legal or financial advice.

Question 5

What fees on Fifth Third Bank, N.A.'s Closing Disclosures run above peer averages?

Accepted Answer

Across homebuyer-submitted Closing Disclosures for Fifth Third Bank, N.A., three fee categories tend to run above comparable lenders: lender credits (avg $1,249 vs $450 peer avg, +$799), origination fee (avg $1,936 vs $1,591 peer avg, +$345), and title insurance (avg $3,201 vs $3,111 peer avg, +$90). These are the line items most worth scrutinizing or challenging on your own disclosure. "Junk fees" is industry shorthand for charges that are inflated beyond the peer norm or provide little discernible value — the CFPB recommends shopping title, settlement, and pest-inspection services independently when possible. This data is informational only and not financial advice.

Question 6

How much do Fifth Third Bank, N.A.'s closing costs vary by state?

Accepted Answer

Fifth Third Bank, N.A.'s closing costs vary significantly by state. Based on the 40 states in our database with at least 3 reports, median total closing costs range from $2,567 in Louisiana to $9,470 in Nevada — a $6,903 spread. Variation reflects state-specific transfer taxes, title insurance regulation, attorney requirements, and recording-fee schedules rather than lender policy. See state-level data on this page to compare your own state. This is informational only and not financial advice.

Fee Category	This Lender (avg)	National Avg	Verdict
Title Insurance	$3,201	$3,111	🟡 Average
Origination Fee	$1,936	$1,591	🔴 Above Avg
discount_points	$1,713	$2,287	🟢 Below Avg
Underwriting Fee	$1,545	$1,473	🟡 Average
lender_credits	$1,249	$450	🔺 High
Appraisal	$1,108	$1,081	🟡 Average
Settlement/Closing Fee	$1,002	$986	🟡 Average
Processing Fee	$804	$790	🟡 Average
Title Search	$405	$392	🟡 Average
Rate Lock Fee	$399	$340	🔴 Above Avg
Recording Fee	$361	$344	🟡 Average
Document Preparation	$166	$147	🔴 Above Avg
Tax Service Fee	$132	$128	🟡 Average
Wire Transfer Fee	$71	$69	🟡 Average
Credit Report	$70	$69	🟡 Average
Courier/Delivery	$61	$58	🟡 Average
Flood Certification	$24	$23	🟡 Average

Loan type	Volume	Median Rate	Median Total Costs	Median Origination
conventional	6,960	6.500%	$4,369	$1,295
fha	593	6.250%	$7,268	$1,295
va	204	5.990%	$3,981	$495
usda	41	6.250%	$5,606	$1,295

State	Volume	Median Rate	Median Total Costs	State Rank
Ohio	2,227	6.500%	$4,340	#10
Michigan	986	6.500%	$3,714	#17
Indiana	936	6.500%	$3,157	#15
Illinois	886	6.495%	$6,350	#25
Florida	645	6.375%	$6,391	#71
North Carolina	537	6.250%	$4,307	#52
Kentucky	469

	This lender	Ohio median	National median
Total Closing Costs	$4,340	$5,240	$6,680
Interest Rate	6.500%	6.620%	6.490%
Originations in state	2,227	—	—

Metric	Fifth Third Bank, National Association	Top-50 peer median	Difference
Median loan amount	$295,000	$335,000	−$40,000 (−11.9%)
Median total closing costs	$4,516	$7,127	−$2,611 (−36.6%)

Fifth Third Bank, N.A.

Fifth Third Bank, N.A. Closing Cost Breakdown

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