# 5TH STREET CAPITAL, INC.

> **Canonical URL:** https://saferate.com/lenders/5th-street-capital


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


5TH STREET CAPITAL, INC. is a independent mortgage company, headquartered in SAN DIEGO, CA, serving borrowers across 16 states, with 234 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 97% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300NLJI4QKZ3D0G94
- **Headquarters:** SAN DIEGO, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 16
- **State List:** AZ, CA, CO, CT, FL, GA, ID, IL, MD, MT, NV, OR, TN, TX, UT, WA
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 3/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +1.161%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $6,046
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 234
- **Dollar Volume:** $174 million
- **Applications Received:** 372
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $742,735
- **Average Borrower Income:** $619,150
- **Average Property Value:** $1,103,932

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 36/100 | 181 | +1.164% | $6,320 | Acceptable 🙂 |
| Jumbo | 71/100 | 53 | +1.147% | $4,285 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 144 loans, Score: 37/100 (Acceptable)
- Refinance: 37 loans, Score: 39/100 (Acceptable)

**Jumbo:**
- Purchase: 41 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 185 | $137M | +1.175% | Acceptable 🙂 |
| Refinance | 39/100 | 49 | $37M | +1.116% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 145 | 0.05% | 66/100 |
| TX | 23 | 0.01% | 45/100 |
| FL | 18 | 0.01% | 43/100 |
| CO | 12 | 0.01% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 49 | 62/100 |
| San Diego | CA | 16 | 49/100 |
| Anaheim | CA | 15 | 49/100 |
| Dallas | TX | 11 | 42/100 |
| Riverside | CA | 11 | 43/100 |

## Frequently Asked Questions

### What loan types does 5TH STREET CAPITAL, INC. offer?

5TH STREET CAPITAL, INC. offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does 5TH STREET CAPITAL, INC. offer mortgages?

5TH STREET CAPITAL, INC. offers mortgages in 16 states: AZ, CA, CO, CT, FL, GA, ID, IL, MD, MT, NV, OR, TN, TX, UT, WA.

### How competitive are 5TH STREET CAPITAL, INC.'s mortgage rates?

5TH STREET CAPITAL, INC. has a pricing score of 3/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.161% above market average.

### What type of lender is 5TH STREET CAPITAL, INC.?

5TH STREET CAPITAL, INC. is a non-depository lender that specializes in mortgage origination, headquartered in SAN DIEGO, CA.

### What is 5TH STREET CAPITAL, INC.'s loan approval success rate?

5TH STREET CAPITAL, INC. has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/5th-street-capital

### How to Cite

> "5TH STREET CAPITAL, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/5th-street-capital

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