Get & compare mortgage quotes anonymously Start in My Home
5SC
Unclaimed

5TH Street Capital

Independent Mortgage Company•San Diego, CAHQ•Direct•Reviews near you on Google

5TH Street Capital has 234 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 5 mkts

Safe Rate Summary

Things to Think About

  • Rates typically 116 basis points above market average
  • Higher than average fees ($6,046)

Explore another lender or local market

Report Card

5TH Street Capital performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+116.1 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Acceptable
Volume181
Mix77.4%
Spread
+1.164%Above
Fees
$6,320Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Sound
Volume53
Mix22.6%
Spread
+1.147%Above
Fees
$4,285Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Acceptable
Volume185
Mix79.1%
Spread
+1.175%Above
Fees
$6,238Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Acceptable
Volume49
Mix20.9%
Spread
+1.116%Above
Fees
$5,426Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
234
Applications
372
Volume
$173 million
Pricing & Closing
Avg Rate Spread
+1.161%
vs. market APOR
Avg Net Fees
$6,046
Origination − Credits
Pullthrough Rate
62.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$742,735
Avg Borrower Income
$619,150
Avg Property Value
$1,103,932

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

16
16 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
CT
Midwest1
IL
South5
FLGAMDTNTX
West9
AZCACOIDMTNVORUTWA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 49Mix 20.94% of portfolio
62/100
Strong
2© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 15Mix 6.41% of portfolio
49/100
Sound
3© Bernard Gagnon · CC BY-SA 3.0
San Diego, CAMetro
Volume 16Mix 6.84% of portfolio
49/100
Sound
4© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 11Mix 4.70% of portfolio
43/100
Sound
5© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 11Mix 4.70% of portfolio
42/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 145Mix 61.97% of portfolio
66/100
Strong
Texas
Texas
2
TexasState
Volume 23Mix 9.83% of portfolio
45/100
Sound
Colorado
Colorado
3
ColoradoState
Volume 12Mix 5.13% of portfolio
43/100
Sound
Florida
Florida
4
FloridaState
Volume 18Mix 7.69% of portfolio
43/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.

Looking for a different lender?

Are you the owner of 5TH Street Capital?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.