5th Street Capital Mortgage Rates, Fees & Info
SAN DIEGO, CALEI: 549300NLJI4QKZ3D0G94
Tax ID: 47-5424223
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
5th Street Capital is a small 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, Riverside, and Oxnard among others. We have data for 83 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 about average 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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 8.76% | 12/16/24 |
| 30 Year Conventional Refi | 8.07% | 12/16/24 |
| 30 Year Cash-out Refi | 8.70% | 12/16/24 |
| 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
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from 5th Street Capital. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
996Origination Dollar Volume (All Markets)
$1,040,580,000Top 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) | 368 | $536,670,000 | $1,458,342 | $22,191 | 5.03% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 93 | $102,015,000 | $1,096,935 | $17,134 | 5.09% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 74 | $72,190,000 | $975,541 | $19,819 | 4.73% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 72 | $50,440,000 | $700,556 | $15,779 | 5.17% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 24 | $27,760,000 | $1,156,667 | $16,444 | 5.21% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 16 | $21,770,000 | $1,360,625 | $23,491 | 5.08% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 30 | $18,040,000 | $601,333 | $12,436 | 5.19% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 24 | $13,500,000 | $562,500 | $13,295 | 5.29% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 19 | $12,625,000 | $664,474 | $12,575 | 5.24% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 18 | $12,110,000 | $672,778 | $19,630 | 5.16% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 18 | $10,570,000 | $587,222 | $13,587 | 5.48% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 22 | $10,400,000 | $472,727 | $10,889 | 5.54% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 4 | $7,980,000 | $1,995,000 | $17,188 | 4.71% |
| NAPA, CA (FHA|USDA|VA) | 3 | $7,715,000 | $2,571,667 | $12,481 | 5.67% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 6 | $7,610,000 | $1,268,333 | $19,401 | 5.44% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 7 | $7,205,000 | $1,029,286 | $22,991 | 5.19% |
| MODESTO, CA (FHA|USDA|VA) | 15 | $7,105,000 | $473,667 | $16,865 | 4.98% |
| STOCKTON, CA (FHA|USDA|VA) | 11 | $6,835,000 | $621,364 | $16,944 | 5.07% |
| SALINAS, CA (FHA|USDA|VA) | 5 | $5,955,000 | $1,191,000 | $17,227 | 5.04% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 17 | $5,915,000 | $347,941 | $14,827 | 4.96% |
| Heber, UT (FHA|USDA|VA) | 5 | $5,915,000 | $1,183,000 | $17,297 | 4.68% |
| Outside of Metro Areas | 10 | $5,510,000 | $551,000 | $14,260 | 5.22% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 7 | $5,445,000 | $777,857 | $17,566 | 5.39% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 10 | $4,940,000 | $494,000 | $13,615 | 5.40% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $4,465,000 | $1,488,333 | $31,733 | 5.58% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 6 | $4,010,000 | $668,333 | $9,149 | 5.14% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 7 | $3,515,000 | $502,143 | $18,051 | 5.39% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $3,045,000 | $3,045,000 | $14,393 | 5.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $3,045,000 | $435,000 | $12,159 | 5.60% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $2,895,000 | $965,000 | $29,746 | 4.96% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $2,895,000 | $965,000 | $10,096 | 5.25% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $2,750,000 | $1,375,000 | $10,148 | 5.12% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $2,625,000 | $2,625,000 | $38,554 | 4.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $2,305,000 | $768,333 | $14,782 | 5.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $1,835,000 | $611,667 | $10,309 | 5.13% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $1,790,000 | $447,500 | $15,300 | 4.81% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 4 | $1,730,000 | $432,500 | $14,151 | 5.22% |
| BEND, OR (FHA|USDA|VA) | 2 | $1,730,000 | $865,000 | $15,689 | 4.44% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,715,000 | $571,667 | $17,191 | 4.96% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $1,670,000 | $835,000 | $16,953 | 5.81% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $1,520,000 | $760,000 | $22,298 | 4.88% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $1,460,000 | $730,000 | $15,331 | 5.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 3 | $1,425,000 | $475,000 | $9,213 | 5.54% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $15,094 | 5.12% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $1,360,000 | $680,000 | $13,495 | 5.12% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $1,355,000 | $1,355,000 | $31,169 | 5.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $14,573 | 5.71% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $6,850 | 5.75% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $1,235,000 | $1,235,000 | $31,363 | 5.63% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $7,145 | 5.25% |
| MERCED, CA (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $18,038 | 5.62% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $17,599 | 5.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $14,484 | 5.06% |
| MADERA, CA (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $12,940 | 4.94% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $5,057 | 4.75% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $10,628 | 4.50% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $15,944 | 5.12% |
| Taos, NM (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $22,454 | 4.50% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $12,044 | 4.25% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $20,739 | 6.13% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $14,082 | 4.25% |
| Centralia, WA (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $6,584 | 5.13% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $17,354 | 5.99% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $17,836 | 6.75% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $7,561 | 5.88% |
| SALEM, OR (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $12,153 | 5.13% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $17,145 | 4.99% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $10,494 | 5.50% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,466 | 5.75% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $13,423 | 5.63% |
| REDDING, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $15,940 | 5.99% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $13,617 | 5.88% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $14,331 | 4.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $11,291 | 4.50% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,623 | 4.99% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,800 | 5.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $14,695 | 5.38% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,964 | 4.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,262 | 4.38% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,829 | 5.63% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,703 | 5.75% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,234 | 4.75% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $13,386 | 4.50% |
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.
Similarity Rank: 167
Similarity Rank: 354
Similarity Rank: 378
Similarity Rank: 405
Similarity Rank: 670
Similarity Rank: 768
Similarity Rank: 825
Similarity Rank: 924
Similarity Rank: 966
Similarity Rank: 1164
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 996 | $1,040,580,000 | $1,044,759 | $18,404 | 5.10% |
For 2021, 5th Street Capital's most frequently originated type of loan was Conventional, with 996 originations.
Loan Reason
For 2021, 5th Street Capital's most frequently cited loan purpose was Home Purchase, with 659 originations. The 2nd most popular reason was Cash Out Refi, with 244 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 640 | $519,100,000 | $811,094 | $16,923 | 5.07% |
| 30+ year | 356 | $521,480,000 | $1,464,831 | $20,845 | 5.16% |
For 2021, 5th Street Capital's most frequently cited loan duration was 30 Year, with 640 originations. The 2nd most popular length was 30+ year, with 356 originations.
Origination Fees/Closing Costs
5th Street Capital's average total fees were $16,923, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 716 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 533 | $594,685,000 | $1,115,732 |
| 5-6% | 396 | $391,360,000 | $988,283 |
| 6-7% | 57 | $44,425,000 | $779,386 |
| 3-4% | 10 | $10,110,000 | $1,011,000 |
During 2021, 5th Street Capital's average interest rate for loans was 5.07%, while their most frequently originated rate bucket for loans was 4-5%, with 533 originations.
Loan Sizing
2021 saw 5th Street Capital place emphasis on $1MM+ loans with 378 originations, totaling $709,740,000 in origination value.
Applicant Income
5th Street Capital lent most frequently to those with incomes in the $250k+ range, with 526 originations. The second most popular income band? $150k-250k, with 177 originations.
Applicant Debt to Income Ratio
5th Street Capital lent most frequently to those with DTI ratios of <20%, with 191 originations. The next most common DTI ratio? 20-30%, with 159 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.70%
5th Street Capital has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination64.56%
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 | 996 | $1,040,580,000 | $1,044,759 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 996 | $1,040,580,000 | $1,044,759 |