5Th Street Capital, Inc. mortgage approval rate & lending review
5Th Street Capital, Inc. decided 891 mortgage applications and funded 556 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions 5Th Street Capital, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to 5thstcap.com.
5Th Street Capital, Inc. at a glance
Approval is 11.9 points above the 83.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 462 / 481 | 70% | $705K | 324 |
| Cash-out refinance | 93% | 97 / 104 | 68% | $895K | 66 |
| Refinance | 88% | 42 / 48 | 57% | $755K | 24 |
| Investment property purchase | 97% | 152 / 157 | 66% | $595K | 100 |
| Investment cash-out refinance | 97% | 67 / 69 | 49% | $735K | 33 |
| Investment refinance | 90% | 28 / 31 | 32% | $465K | 9 |
5Th Street Capital, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 97% | $705K | 588 | 364 |
| Florida | 94% | $525K | 72 | 43 |
| Texas | 94% | $285K | 65 | 39 |
| Colorado | 94% | $555K | 34 | 23 |
| Nevada | 88% | $575K | 32 | 21 |
| Arizona | 96% | $555K | 24 | 13 |
| Washington | 88% | $605K | 24 | 14 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Questions about 5Th Street Capital, Inc.
What is 5Th Street Capital, Inc.'s mortgage approval rate?
5Th Street Capital, Inc. approved 95.2% of the 891 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.9 points above the 83.2% national rate for the same mix of loan types.
How often do borrowers take the loan 5Th Street Capital, Inc. offers?
Borrowers accepted 66% of the loans 5Th Street Capital, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does 5Th Street Capital, Inc. make?
The typical home purchase mortgage loan 5Th Street Capital, Inc. made was $705K; across all loan types its typical loan ran from $465K to $895K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does 5Th Street Capital, Inc. lend?
5Th Street Capital, Inc. decided applications in 23 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to 5Th Street Capital, Inc. directly?
Yes. 5Th Street Capital, Inc. reports as a direct lender that takes applications from borrowers. Its website is 5thstcap.com.
Does this page show 5Th Street Capital, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how 5Th Street Capital, Inc. treats applications, then get a rate quote from the lender.