5th Sreet Capital Inc. Mortgage Lending & HMDA Data, 2022
In 2022, 5th Sreet Capital Inc. of San Diego, CA reported 991 mortgage applications totaling $914.3 million, down 27% from 2021. The average application was for $922,648, and applicants reported an average income of $515,121. 56% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (211), San Diego-Carlsbad, CA (92) and Anaheim-Santa Ana-Irvine, CA (76) (applications in parentheses).
| Mortgage Company & Address | 5th Sreet Capital Inc. 2020 Camino Del Rio N #300 San Diego, CA 92108 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 991 |
| Total Mortgage Loan Application Amount | $914,345,000 |
| Average Mortgage Loan Application Amount | $922,648 |
| Highest Mortgage Loan Application Amount | $5,535,000 |
| Average Applicant Income | $515,121 |
| Highest Applicant Income | $7,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records 5th Sreet Capital Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 211 | $ 258,035,000 | $ 1,222,914 | $ 480,000 |
| San Diego, California | 92 | $ 106,180,000 | $ 1,154,130 | $ 513,000 |
| Orange, California | 76 | $ 107,990,000 | $ 1,420,921 | $ 814,000 |
| Maricopa, Arizona | 56 | $ 36,580,000 | $ 653,214 | $ 805,000 |
| Riverside, California | 44 | $ 34,340,000 | $ 780,454 | $ 425,000 |
| San Francisco, California | 37 | $ 34,055,000 | $ 920,405 | $ 327,000 |
| Clark, Nevada | 24 | $ 10,890,000 | $ 453,750 | $ 261,000 |
| Polk, Florida | 23 | $ 6,665,000 | $ 289,782 | $ 171,000 |
| Osceola, Florida | 21 | $ 8,375,000 | $ 398,809 | $ 194,000 |
| Ventura, California | 18 | $ 25,180,000 | $ 1,398,888 | $ 777,000 |
| San Joaquin, California | 16 | $ 9,680,000 | $ 605,000 | $ 247,000 |
| Santa Clara, California | 16 | $ 19,740,000 | $ 1,233,750 | $ 510,000 |
| San Bernardino, California | 15 | $ 8,565,000 | $ 571,000 | $ 251,000 |
| Alameda, California | 14 | $ 14,810,000 | $ 1,057,857 | $ 1,494,000 |
| Contra Costa, California | 14 | $ 16,350,000 | $ 1,167,857 | $ 679,000 |
| Miami-Dade, Florida | 14 | $ 8,360,000 | $ 597,142 | $ 185,000 |
| Sacramento, California | 13 | $ 6,935,000 | $ 533,461 | $ 455,000 |
| Broward, Florida | 11 | $ 5,845,000 | $ 531,363 | $ 476,000 |
| Santa Barbara, California | 10 | $ 17,920,000 | $ 1,792,000 | $ 583,000 |
| Harris, Texas | 9 | $ 2,455,000 | $ 272,777 | $ 308,000 |
| Marin, California | 8 | $ 10,210,000 | $ 1,276,250 | $ 687,000 |
| Sonoma, California | 8 | $ 5,350,000 | $ 668,750 | $ 261,000 |
| Monterey, California | 7 | $ 7,805,000 | $ 1,115,000 | $ 1,558,000 |
| San Mateo, California | 7 | $ 8,435,000 | $ 1,205,000 | $ 487,000 |
| Lake, Florida | 7 | $ 3,565,000 | $ 509,285 | $ 449,000 |
| Dallas, Texas | 7 | $ 4,065,000 | $ 580,714 | $ 379,000 |
| Summit, Utah | 7 | $ 5,585,000 | $ 797,857 | $ 1,245,000 |
| Mohave, Arizona | 6 | $ 4,900,000 | $ 816,666 | $ 323,000 |
| Santa Cruz, California | 6 | $ 6,370,000 | $ 1,061,666 | $ 386,000 |
| Stanislaus, California | 6 | $ 5,370,000 | $ 895,000 | $ 393,000 |
| Hillsborough, Florida | 6 | $ 3,530,000 | $ 588,333 | $ 348,000 |
| Palm Beach, Florida | 6 | $ 1,970,000 | $ 328,333 | $ 201,000 |
| Montgomery, Texas | 6 | $ 2,830,000 | $ 471,666 | $ 242,000 |
| Placer, California | 5 | $ 4,785,000 | $ 957,000 | $ 558,000 |
| Orange, Florida | 5 | $ 1,565,000 | $ 313,000 | $ 1,300,000 |
| Cook, Illinois | 5 | $ 1,745,000 | $ 349,000 | $ 42,000 |
| Collin, Texas | 5 | $ 2,345,000 | $ 469,000 | $ 206,000 |
| Nevada, California | 4 | $ 2,420,000 | $ 605,000 | $ 1,071,000 |
| Arapahoe, Colorado | 4 | $ 2,590,000 | $ 647,500 | $ 379,000 |
| Pasco, Florida | 4 | $ 1,100,000 | $ 275,000 | $ 69,000 |
| Coconino, Arizona | 3 | $ 1,595,000 | $ 531,666 | $ 866,000 |
| Kern, California | 3 | $ 2,815,000 | $ 938,333 | $ 554,000 |
| Mendocino, California | 3 | $ 2,135,000 | $ 711,666 | $ 134,000 |
| Merced, California | 3 | $ 1,465,000 | $ 488,333 | $ 382,000 |
| Solano, California | 3 | $ 1,985,000 | $ 661,666 | $ 220,000 |
| Tulare, California | 3 | $ 2,435,000 | $ 811,666 | $ 297,000 |
| El Paso, Colorado | 3 | $ 1,455,000 | $ 485,000 | $ 187,000 |
| Volusia, Florida | 3 | $ 875,000 | $ 291,666 | $ 471,000 |
| Fulton, Georgia | 3 | $ 1,385,000 | $ 461,666 | $ 442,000 |
| Santa Fe, New Mexico | 3 | $ 2,385,000 | $ 795,000 | $ 217,000 |
| Denton, Texas | 3 | $ 3,335,000 | $ 1,111,666 | $ 962,000 |
| Fort Bend, Texas | 3 | $ 2,445,000 | $ 815,000 | $ 285,000 |
| Tarrant, Texas | 3 | $ 2,435,000 | $ 811,666 | $ 949,000 |
| Travis, Texas | 3 | $ 3,475,000 | $ 1,158,333 | $ 852,000 |
| Spokane, Washington | 3 | $ 1,155,000 | $ 385,000 | $ 190,000 |
| Pinal, Arizona | 2 | $ 720,000 | $ 360,000 | $ 143,000 |
| El Dorado, California | 2 | $ 1,380,000 | $ 690,000 | $ 201,000 |
| Mono, California | 2 | $ 1,990,000 | $ 995,000 | $ 355,000 |
| Napa, California | 2 | $ 5,640,000 | $ 2,820,000 | $ 3,587,000 |
| San Benito, California | 2 | $ 2,600,000 | $ 1,300,000 | $ 1,354,000 |
| San Luis Obispo, California | 2 | $ 820,000 | $ 410,000 | $ 500,000 |
| Bay, Florida | 2 | $ 990,000 | $ 495,000 | $ 87,000 |
| Escambia, Florida | 2 | $ 520,000 | $ 260,000 | $ 67,000 |
| Leon, Florida | 2 | $ 580,000 | $ 290,000 | $ 1,031,000 |
| Manatee, Florida | 2 | $ 570,000 | $ 285,000 | $ 106,000 |
| St. Lucie, Florida | 2 | $ 630,000 | $ 315,000 | $ 140,000 |
| Cobb, Georgia | 2 | $ 740,000 | $ 370,000 | $ 134,000 |
| Douglas, Georgia | 2 | $ 1,040,000 | $ 520,000 | $ 591,000 |
| Gwinnett, Georgia | 2 | $ 550,000 | $ 275,000 | $ 112,000 |
| Walton, Georgia | 2 | $ 1,650,000 | $ 825,000 | $ 199,000 |
| Iredell, North Carolina | 2 | $ 1,140,000 | $ 570,000 | $ 392,000 |
| Horry, South Carolina | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Williamson, Texas | 2 | $ 600,000 | $ 300,000 | $ 204,000 |
| King, Washington | 2 | $ 850,000 | $ 425,000 | $ 70,000 |
| Fresno, California | 1 | $ 355,000 | $ 355,000 | $ 62,000 |
| Imperial, California | 1 | $ 1,305,000 | $ 1,305,000 | $ 95,000 |
| Inyo, California | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Lake, California | 1 | $ 535,000 | $ 535,000 | $ 202,000 |
| Plumas, California | 1 | $ 545,000 | $ 545,000 | $ 143,000 |
| Shasta, California | 1 | $ 205,000 | $ 205,000 | $ 6,060,000 |
| Sutter, California | 1 | $ 1,755,000 | $ 1,755,000 | $ 2,515,000 |
| Yuba, California | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Denver, Colorado | 1 | $ 575,000 | $ 575,000 | $ 158,000 |
| Douglas, Colorado | 1 | $ 1,185,000 | $ 1,185,000 | $ 292,000 |
| Eagle, Colorado | 1 | $ 635,000 | $ 635,000 | $ 274,000 |
| Gilpin, Colorado | 1 | $ 745,000 | $ 745,000 | $ 360,000 |
| Grand, Colorado | 1 | $ 1,225,000 | $ 1,225,000 | $ 608,000 |
| Pitkin, Colorado | 1 | $ 415,000 | $ 415,000 | $ 605,000 |
| Weld, Colorado | 1 | $ 785,000 | $ 785,000 | $ 1,331,000 |
| Alachua, Florida | 1 | $ 525,000 | $ 525,000 | $ 96,000 |
| Marion, Florida | 1 | $ 395,000 | $ 395,000 | $ 176,000 |
| Okaloosa, Florida | 1 | $ 435,000 | $ 435,000 | $ 489,000 |
| Santa Rosa, Florida | 1 | $ 725,000 | $ 725,000 | $ 488,000 |
| Seminole, Florida | 1 | $ 415,000 | $ 415,000 | $ 0 |
| St. Johns, Florida | 1 | $ 425,000 | $ 425,000 | $ 128,000 |
| Coweta, Georgia | 1 | $ 505,000 | $ 505,000 | $ 817,000 |
| Greene, Georgia | 1 | $ 1,355,000 | $ 1,355,000 | $ 500,000 |
| Troup, Georgia | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Kane, Illinois | 1 | $ 505,000 | $ 505,000 | $ 0 |
| McHenry, Illinois | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Washoe, Nevada | 1 | $ 1,185,000 | $ 1,185,000 | $ 420,000 |
| Taos, New Mexico | 1 | $ 205,000 | $ 205,000 | $ 45,000 |
| Buncombe, North Carolina | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Madison, North Carolina | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Mecklenburg, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 114,000 |
| Pender, North Carolina | 1 | $ 635,000 | $ 635,000 | $ 241,000 |
| Marion, Oregon | 1 | $ 655,000 | $ 655,000 | $ 275,000 |
| Beaufort, South Carolina | 1 | $ 1,345,000 | $ 1,345,000 | $ 0 |
| Greenville, South Carolina | 1 | $ 455,000 | $ 455,000 | $ 421,000 |
| York, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 261,000 |
| Davidson, Tennessee | 1 | $ 1,385,000 | $ 1,385,000 | $ 774,000 |
| Williamson, Tennessee | 1 | $ 815,000 | $ 815,000 | $ 239,000 |
| Bexar, Texas | 1 | $ 225,000 | $ 225,000 | $ 97,000 |
| Brazoria, Texas | 1 | $ 265,000 | $ 265,000 | $ 86,000 |
| Chambers, Texas | 1 | $ 525,000 | $ 525,000 | $ 342,000 |
| Hunt, Texas | 1 | $ 465,000 | $ 465,000 | $ 319,000 |
| Kaufman, Texas | 1 | $ 325,000 | $ 325,000 | $ 225,000 |
| Parker, Texas | 1 | $ 1,045,000 | $ 1,045,000 | $ 615,000 |
| Smith, Texas | 1 | $ 255,000 | $ 255,000 | $ 114,000 |
| Waller, Texas | 1 | $ 655,000 | $ 655,000 | $ 242,000 |
| Emery, Utah | 1 | $ 215,000 | $ 215,000 | $ 70,000 |
| Salt Lake, Utah | 1 | $ 515,000 | $ 515,000 | $ 217,000 |
| Utah, Utah | 1 | $ 585,000 | $ 585,000 | $ 592,000 |
| Washington, Utah | 1 | $ 445,000 | $ 445,000 | $ 714,000 |
| Pierce, Washington | 1 | $ 695,000 | $ 695,000 | $ 943,000 |
| Snohomish, Washington | 1 | $ 355,000 | $ 355,000 | $ 213,000 |
| Thurston, Washington | 1 | $ 395,000 | $ 395,000 | $ 121,000 |
| Whitman, Washington | 1 | $ 1,085,000 | $ 1,085,000 | $ 358,000 |
Mortgage Loan Application Detail Totals for 5th Sreet Capital Inc. in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 617 | $534,105,000 | $865,000 | $4,275,000 | $447,000 | $6,357,000 |
| Cash-out Refinancing | 288 | $297,100,000 | $1,031,000 | $5,535,000 | $596,000 | $7,200,000 |
| Refinancing | 86 | $83,140,000 | $966,000 | $4,305,000 | $733,000 | $6,996,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 467 | $499,635,000 | $1,069,000 | $5,535,000 | $636,000 | $7,200,000 |
| Not Provided | 225 | $202,625,000 | $900,000 | $3,605,000 | $455,000 | $6,060,000 |
| Hispanic | 148 | $94,710,000 | $639,000 | $4,275,000 | $360,000 | $6,357,000 |
| Asian | 74 | $60,910,000 | $823,000 | $2,775,000 | $464,000 | $5,205,000 |
| Black or African American | 46 | $32,780,000 | $712,000 | $2,605,000 | $237,000 | $817,000 |
| Not applicable | 16 | $13,910,000 | $869,000 | $2,495,000 | $509,000 | $1,560,000 |
| American Indian or Alaskan Native | 4 | $2,750,000 | $687,000 | $1,135,000 | $122,000 | $254,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $1,175,000 | $1,175,000 | $1,175,000 | $414,000 | $414,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 991 | $914,345,000 | $922,000 | $5,535,000 | $515,000 | $7,200,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 552 | $495,470,000 | $897,000 | $5,535,000 | $452,000 | $5,960,000 |
| Application Approved But Not Accepted | 250 | $239,510,000 | $958,000 | $4,305,000 | $674,000 | $7,200,000 |
| Application Denied By Financial Institution | 101 | $102,345,000 | $1,013,000 | $5,005,000 | $497,000 | $6,996,000 |
| Application Withdrawn By Applicant | 86 | $75,400,000 | $876,000 | $3,805,000 | $456,000 | $5,064,000 |
| File Closed For Incompleteness | 2 | $1,620,000 | $810,000 | $1,085,000 | $1,547,000 | $2,957,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 890 | $812,000,000 | $912,000 | $5,535,000 | $517,000 | $7,200,000 |
| Credit Application Incomplete | 98 | $100,390,000 | $1,024,000 | $5,005,000 | $503,000 | $6,996,000 |
| Debt-To-Income Ratio | 2 | $1,450,000 | $725,000 | $845,000 | $417,000 | $552,000 |
| Other | 1 | $505,000 | $505,000 | $505,000 | $127,000 | $127,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 5th Sreet Capital Inc.'s 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess 5th Sreet Capital Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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