5th Street Capital, Inc.: 2025 mortgage rates, costs & approvals
How 5th Street Capital, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: 5TH STREET CAPITAL, INC. · LEI 549300NLJI4QKZ3D0G94
In 2025, 5th Street Capital, Inc. originated 157 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 17 states — 1441st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 7.50% (all lenders: 6.625%); its median rate spread was 105 basis points above the national median. Median conventional loan costs were $17,100, 207% higher than the national median ($5,570).
It denied 3.4% of completed home-purchase applications (all lenders: 8.5%).
How 5th Street Capital, Inc. priced home-purchase loans
| Purchase loans, 2025 | 5th Street Capital, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 7.500% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +1.19 pts | +0.13 pts |
| Total loan costs · conventional | $17,100 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $10,870 | $1,860 |
| Borrowers paying discount points | 43.4% | 51.3% |
| Points paid, when paid (% of loan) | 0.49% | 0.87% |
| Borrowers receiving lender credits | 13.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where 5th Street Capital, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| California | 98 | 156 | 2.5% | 7.500% | $17,830 |
| Florida | 12 | 15 | — | — | — |
| Texas | 8 | 12 | — | — | — |
| Colorado | 7 | 10 | — | — | — |
| Arizona | 6 | 7 | — | — | — |
| Washington | 6 | 7 | — | — | — |
| Nevada | 5 | 7 | — | — | — |
| Oregon | 3 | 3 | — | — | — |
| Georgia | 2 | 3 | — | — | — |
| Illinois | 2 | 2 | — | — | — |
| Maryland | 2 | 2 | — | — | — |
| Connecticut | 1 | 3 | — | — | — |
| Indiana | 1 | 1 | — | — | — |
| Michigan | 1 | 1 | — | — | — |
| North Carolina | 1 | 1 | — | — | — |
| New Mexico | 1 | 1 | — | — | — |
| Ohio | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open 5th Street Capital, Inc.'s page for that state.
Counties where 5th Street Capital, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| La Paz County, AZ | 19 | 1 | 1.8% |
Check 5th Street Capital, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300NLJI4QKZ3D0G94.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from 5th Street Capital, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology