5th Street Capital Mortgage Rates, Fees & Info

SAN DIEGO, CA

LEI: 549300NLJI4QKZ3D0G94

Tax ID: 47-5424223

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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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 8.76% 3/28/24
30 Year Conventional Refi 8.07% 3/28/24
30 Year Cash-out Refi 8.70% 3/28/24
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

996

Origination Dollar Volume (All Markets)

$1,040,580,000

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) 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%
5th Street Capital's top markets include Los Angeles, San Diego, San Francisco, Riverside, and Oxnard among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Similar Lenders

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    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 659 $630,185,000 $956,275 $18,620 5.17%
    Cash Out Refi 244 $282,230,000 $1,156,680 $17,957 4.99%
    Refi 87 $122,905,000 $1,412,701 $18,110 4.90%
    Other 5 $4,695,000 $939,000 $18,773 4.80%
    Home Improvement 1 $565,000 $565,000 $3,904 4.99%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 716 $744,480,000 $1,039,777
    $1k-2k 235 $264,975,000 $1,127,553
    $2k-3k 16 $17,540,000 $1,096,250
    $4k-5k 14 $4,890,000 $349,286
    $3k-4k 11 $6,485,000 $589,545
    $<1k 3 $1,465,000 $488,333

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 378 $709,740,000 $1,877,619 $27,011 5.04%
    $600k-1MM 242 $185,380,000 $766,033 $15,184 5.18%
    $200k-400k 201 $60,635,000 $301,667 $9,894 5.08%
    $400k-600k 167 $83,335,000 $499,012 $12,550 5.15%
    $100k-200k 8 $1,490,000 $186,250 $7,659 5.19%

    2021 saw 5th Street Capital place emphasis on $1MM+ loans with 378 originations, totaling $709,740,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 526 $759,550,000 $1,444,011 $22,377 5.12%
    $150k-250k 177 $125,405,000 $708,503 $14,759 5.15%
    $50k or less 105 $70,905,000 $675,286 $16,571 4.99%
    $100k-150k 97 $45,485,000 $468,918 $11,705 5.08%
    $75k-100k 49 $17,245,000 $351,939 $10,302 5.06%
    $50k-75k 35 $10,025,000 $286,429 $8,946 4.98%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 191 $202,355,000 $1,059,450 $17,854 5.09%
    20-30% 159 $174,535,000 $1,097,704 $20,168 5.06%
    30-36% 121 $133,145,000 $1,100,372 $18,605 5.07%
    41% 36 $42,140,000 $1,170,556 $19,117 5.11%
    46% 35 $36,335,000 $1,038,143 $19,667 5.17%
    49% 35 $39,715,000 $1,134,714 $16,508 5.11%
    44% 33 $33,265,000 $1,008,030 $18,859 5.05%
    47% 30 $29,420,000 $980,667 $16,596 5.18%
    38% 27 $19,805,000 $733,519 $13,226 5.17%
    50-60% 27 $27,265,000 $1,009,815 $18,430 5.03%
    40% 26 $22,900,000 $880,769 $15,059 5.29%
    48% 26 $28,360,000 $1,090,769 $15,790 5.17%
    43% 25 $37,515,000 $1,500,600 $20,946 5.19%
    37% 25 $27,155,000 $1,086,200 $16,564 5.23%
    42% 24 $24,060,000 $1,002,500 $16,129 5.10%
    45% 23 $26,595,000 $1,156,304 $23,200 5.13%
    39% 23 $25,545,000 $1,110,652 $18,532 5.16%
    36% 21 $18,155,000 $864,524 $15,226 5.25%
    >60% 10 $10,310,000 $1,031,000 $17,554 4.95%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 592 $646,970,000 $1,092,855 $18,283 5.11%
    Not provided 245 $250,055,000 $1,020,633 $18,117 5.08%
    Asian 100 $80,830,000 $808,300 $18,311 5.04%
    Black 46 $48,650,000 $1,057,609 $20,548 5.33%
    American Indian 6 $6,890,000 $1,148,333 $26,431 4.73%
    Vietnamese 1 $1,765,000 $1,765,000 $47,255 4.88%
    Other Asian 1 $1,685,000 $1,685,000 $20,408 4.25%
    Samoan 1 $1,355,000 $1,355,000 $31,169 5.63%
    Asian Indian 2 $1,270,000 $635,000 $14,950 5.37%
    Chinese 1 $625,000 $625,000 $8,023 5.25%
    Native Hawaiian or Islander 1 $485,000 $485,000 $11,720 4.63%

    Approval Rates

    Total approvals of all applications
    99.70%

    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 origination
    64.56%

    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

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 19 $14,885,000 $783,421 $17,721 4.64%
    40-60% 124 $123,130,000 $992,984 $15,980 4.95%
    60-80% 517 $578,935,000 $1,119,797 $19,423 4.95%
    80-100% 334 $322,550,000 $965,719 $17,792 5.42%
    Under 20% 2 $1,080,000 $540,000 $16,012 5.06%