5th Sreet Capital Inc. Mortgage Lending & HMDA Data, 2018
In 2018, 5th Sreet Capital Inc. of San Diego, CA reported 694 mortgage applications totaling $652.1 million. The average application was for $939,582, and applicants reported an average income of $407,819. 80% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (190), Anaheim-Santa Ana-Irvine, CA (141) and San Diego-Carlsbad, CA (112) (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 | 694 |
| Total Mortgage Loan Application Amount | $652,070,000 |
| Average Mortgage Loan Application Amount | $939,582 |
| Highest Mortgage Loan Application Amount | $6,665,000 |
| Average Applicant Income | $407,819 |
| Highest Applicant Income | $8,777,000 |
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(HMDA) records 5th Sreet Capital Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 190 | $ 242,700,000 | $ 1,277,368 | $ 568,000 |
| Anaheim-Santa Ana-Irvine, CA | 141 | $ 155,625,000 | $ 1,103,723 | $ 433,000 |
| San Diego-Carlsbad, CA | 112 | $ 91,430,000 | $ 816,339 | $ 356,000 |
| Riverside-San Bernardino-Ontario, CA | 55 | $ 23,555,000 | $ 428,272 | $ 207,000 |
| Oakland-Hayward-Berkeley, CA | 17 | $ 13,675,000 | $ 804,411 | $ 252,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 16 | $ 15,090,000 | $ 943,125 | $ 296,000 |
| San Francisco-Redwood City-South San Francisco, CA | 13 | $ 17,195,000 | $ 1,322,692 | $ 486,000 |
| Outside any metro area | 12 | $ 6,930,000 | $ 577,500 | $ 383,583 |
| Oxnard-Thousand Oaks-Ventura, CA | 12 | $ 10,110,000 | $ 842,500 | $ 516,000 |
| Santa Maria-Santa Barbara, CA | 12 | $ 12,010,000 | $ 1,000,833 | $ 412,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 9 | $ 5,305,000 | $ 589,444 | $ 199,666 |
| Sacramento--Roseville--Arden-Arcade, CA | 8 | $ 3,180,000 | $ 397,500 | $ 131,000 |
| Las Vegas-Henderson-Paradise, NV | 7 | $ 5,765,000 | $ 823,571 | $ 338,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 3,865,000 | $ 552,142 | $ 479,000 |
| Stockton-Lodi, CA | 7 | $ 2,235,000 | $ 319,285 | $ 96,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 2,465,000 | $ 493,000 | $ 220,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 7,045,000 | $ 1,409,000 | $ 655,000 |
| Vallejo-Fairfield, CA | 5 | $ 1,625,000 | $ 325,000 | $ 363,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 1,370,000 | $ 342,500 | $ 110,500 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 1,330,000 | $ 332,500 | $ 296,000 |
| Modesto, CA | 4 | $ 1,220,000 | $ 305,000 | $ 88,000 |
| Salinas, CA | 4 | $ 1,260,000 | $ 315,000 | $ 78,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 5,070,000 | $ 1,267,500 | $ 1,085,000 |
| Bakersfield, CA | 3 | $ 1,005,000 | $ 335,000 | $ 189,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 1,005,000 | $ 335,000 | $ 225,000 |
| Spokane-Spokane Valley, WA | 3 | $ 945,000 | $ 315,000 | $ 137,000 |
| Chicago-Naperville-Arlington Heights, IL | 2 | $ 1,010,000 | $ 505,000 | $ 188,000 |
| Dallas-Plano-Irving, TX | 2 | $ 1,030,000 | $ 515,000 | $ 162,000 |
| Flagstaff, AZ | 2 | $ 640,000 | $ 320,000 | $ 189,000 |
| Reno, NV | 2 | $ 1,080,000 | $ 540,000 | $ 138,000 |
| San Rafael, CA | 2 | $ 2,730,000 | $ 1,365,000 | $ 296,000 |
| Austin-Round Rock, TX | 1 | $ 1,625,000 | $ 1,625,000 | $ 362,000 |
| Bellingham, WA | 1 | $ 365,000 | $ 365,000 | $ 439,000 |
| Bend-Redmond, OR | 1 | $ 675,000 | $ 675,000 | $ 233,000 |
| Boulder, CO | 1 | $ 305,000 | $ 305,000 | $ 125,000 |
| Chico, CA | 1 | $ 525,000 | $ 525,000 | $ 107,000 |
| Colorado Springs, CO | 1 | $ 345,000 | $ 345,000 | $ 155,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 205,000 | $ 205,000 | $ 191,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 305,000 | $ 305,000 | $ 749,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,555,000 | $ 1,555,000 | $ 433,000 |
| Ocala, FL | 1 | $ 195,000 | $ 195,000 | $ 160,000 |
| Olympia-Tumwater, WA | 1 | $ 295,000 | $ 295,000 | $ 100,000 |
| Salt Lake City, UT | 1 | $ 825,000 | $ 825,000 | $ 222,000 |
| Santa Rosa, CA | 1 | $ 455,000 | $ 455,000 | $ 75,000 |
| Tacoma-Lakewood, WA | 1 | $ 255,000 | $ 255,000 | $ 230,000 |
| Tucson, AZ | 1 | $ 645,000 | $ 645,000 | $ 224,000 |
| Yuma, AZ | 1 | $ 1,185,000 | $ 1,185,000 | $ 740,000 |
Mortgage Loan Application Detail Totals for 5th Sreet Capital Inc. in 2018
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 | 394 | $338,650,000 | $859,000 | $6,665,000 | $385,000 | $5,310,000 |
| Cash-out Refinancing | 221 | $232,255,000 | $1,050,000 | $6,005,000 | $423,000 | $8,777,000 |
| Refinancing | 78 | $80,670,000 | $1,034,000 | $3,955,000 | $484,000 | $2,232,000 |
| Other Purpose | 1 | $495,000 | $495,000 | $495,000 | $102,000 | $102,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 434 | $450,310,000 | $1,037,000 | $6,665,000 | $444,000 | $8,777,000 |
| Not Provided | 101 | $88,875,000 | $879,000 | $3,465,000 | $396,000 | $5,310,000 |
| Hispanic | 66 | $35,430,000 | $536,000 | $2,005,000 | $243,000 | $1,297,000 |
| Asian | 65 | $60,725,000 | $934,000 | $3,125,000 | $393,000 | $2,212,000 |
| Black or African American | 25 | $16,085,000 | $643,000 | $1,955,000 | $340,000 | $1,788,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $400,000 | $200,000 | $205,000 | $85,000 | $90,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 693 | $651,665,000 | $940,000 | $6,665,000 | $409,000 | $8,777,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $405,000 | $405,000 | $405,000 | $85,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 558 | $536,870,000 | $962,000 | $6,665,000 | $412,000 | $5,310,000 |
| Application Approved But Not Accepted | 82 | $68,320,000 | $833,000 | $3,665,000 | $444,000 | $8,777,000 |
| Application Withdrawn By Applicant | 35 | $29,045,000 | $829,000 | $3,125,000 | $309,000 | $1,356,000 |
| Application Denied By Financial Institution | 17 | $17,175,000 | $1,010,000 | $3,955,000 | $364,000 | $1,064,000 |
| File Closed For Incompleteness | 1 | $195,000 | $195,000 | $195,000 | $86,000 | $86,000 |
| Preapproval Approved but not Accepted | 1 | $465,000 | $465,000 | $465,000 | $113,000 | $113,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 677 | $634,895,000 | $937,000 | $6,665,000 | $409,000 | $8,777,000 |
| Credit History | 8 | $8,720,000 | $1,090,000 | $3,955,000 | $360,000 | $1,064,000 |
| Debt-To-Income Ratio | 7 | $5,135,000 | $733,000 | $1,065,000 | $236,000 | $503,000 |
| Collateral | 2 | $3,320,000 | $1,660,000 | $3,015,000 | $824,000 | $900,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 5th Sreet Capital Inc.'s 2018 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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