5th Street Capital Mortgage Rates, Fees & Info
SAN DIEGO, CALEI: 549300NLJI4QKZ3D0G94
Tax ID: 47-5424223
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Mortgage Data
Review & Overview
5th Street Capital is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. 5th Street Capital has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, San Diego, San Francisco, San Jose, and Riverside among others. We have data for 35 markets. (Some data included below & more in-depth data is available with an active subscription.)5th Street Capital has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. 5th Street Capital is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 8.76% | 11/17/24 |
| 30 Year Conventional Refi | 8.07% | 11/17/24 |
| 30 Year Cash-out Refi | 8.70% | 11/17/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
5th Street Capital Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
121Origination Dollar Volume (All Markets)
$114,475,000Relative Rate
5th Street Capital's average 30 year fixed mortgage rate was
8.55%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 2.07%.
Relative Fees (Closing Costs)
5th Street Capital's average total fees/closing costs for a 30 year fixed rate
mortgage were $19,209.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 27 | $28,865,000 | $1,069,074 | $17,536 | 8.55% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 14 | $20,320,000 | $1,451,429 | $31,471 | 8.48% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 12 | $14,350,000 | $1,195,833 | $32,313 | 8.31% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $8,110,000 | $2,027,500 | $40,248 | 8.12% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 10 | $7,690,000 | $769,000 | $18,704 | 8.44% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $3,275,000 | $1,091,667 | $26,833 | 8.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 5 | $3,265,000 | $653,000 | $24,364 | 8.17% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $3,245,000 | $1,081,667 | $25,727 | 9.16% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $2,710,000 | $1,355,000 | $12,824 | 7.75% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 5 | $2,625,000 | $525,000 | $15,248 | 8.53% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $2,505,000 | $2,505,000 | $58,607 | 8.99% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $1,985,000 | $661,667 | $17,077 | 8.46% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $1,635,000 | $545,000 | $13,839 | 8.95% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $1,420,000 | $355,000 | $9,458 | 9.06% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $15,086 | 8.44% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $1,165,000 | $1,165,000 | $33,522 | 8.88% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $1,055,000 | $1,055,000 | $21,533 | 8.75% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $12,884 | 8.25% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $12,553 | 8.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $14,063 | 9.88% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $14,552 | 7.99% |
| Outside of Metro Areas | 2 | $660,000 | $330,000 | $11,601 | 8.62% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $21,548 | 7.75% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $15,783 | 9.99% |
| RENO, NV (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $16,029 | 7.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $18,091 | 8.50% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $11,703 | 9.38% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $14,710 | 8.38% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $11,816 | 8.63% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 9.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,166 | 8.99% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,029 | 9.99% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,708 | 8.99% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,878 | 9.13% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,364 | 8.63% |
Similar Lenders
We use machine learning to identify the top lenders compared against 5TH STREET CAPITAL based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 121 | $114,475,000 | $946,074 | $21,447 | 8.55% |
For 2023, 5th Street Capital's most frequently originated type of loan was Conventional, with 121 originations.
Loan Reason
For 2023, 5th Street Capital's most frequently cited loan purpose was Home Purchase, with 82 originations. The 2nd most popular reason was Cash Out Refi, with 33 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 96 | $73,120,000 | $761,667 | $19,209 | 8.55% |
| 30+ year | 25 | $41,355,000 | $1,654,200 | $29,595 | 8.57% |
For 2023, 5th Street Capital's most frequently cited loan duration was 30 Year, with 96 originations. The 2nd most popular length was 30+ year, with 25 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $5k+ | 104 | $101,890,000 | $979,712 |
| $1k-2k | 15 | $12,035,000 | $802,333 |
| $4k-5k | 2 | $550,000 | $275,000 |
5th Street Capital's average total fees were $19,209, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 104 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 83 | $71,645,000 | $863,193 |
| 7-8% | 37 | $42,015,000 | $1,135,541 |
| 6-7% | 1 | $815,000 | $815,000 |
During 2023, 5th Street Capital's average interest rate for loans was 8.55%, while their most frequently originated rate bucket for loans was Over 8%, with 83 originations.
Loan Sizing
2023 saw 5th Street Capital place emphasis on $1MM+ loans with 46 originations, totaling $77,850,000 in origination value.
Applicant Income
5th Street Capital lent most frequently to those with incomes in the $250k+ range, with 75 originations. The second most popular income band? $150k-250k, with 20 originations.
Applicant Debt to Income Ratio
5th Street Capital lent most frequently to those with DTI ratios of 30-36%, with 24 originations. The next most common DTI ratio? <20%, with 17 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.07%
5th Street Capital has an average approval rate.
Pick Rate
Approvals leading to origination16.53%
5th Street Capital has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 121 | $114,475,000 | $946,074 |