5th Sreet Capital Inc. Mortgage Lending & HMDA Data, 2020
In 2020, 5th Sreet Capital Inc. of San Diego, CA reported 681 mortgage applications totaling $695.3 million, down 42% from 2019. The average application was for $1,020,991, and applicants reported an average income of $505,696. 78% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (235), Anaheim-Santa Ana-Irvine, CA (85) and San Diego-Carlsbad, CA (55) (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 | 681 |
| Total Mortgage Loan Application Amount | $695,295,000 |
| Average Mortgage Loan Application Amount | $1,020,991 |
| Highest Mortgage Loan Application Amount | $5,825,000 |
| Average Applicant Income | $505,696 |
| Highest Applicant Income | $9,971,000 |
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(HMDA) records 5th Sreet Capital Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 235 | $ 318,885,000 | $ 1,356,957 | $ 618,000 |
| Anaheim-Santa Ana-Irvine, CA | 85 | $ 91,625,000 | $ 1,077,941 | $ 471,000 |
| San Diego-Carlsbad, CA | 55 | $ 60,125,000 | $ 1,093,181 | $ 548,000 |
| Riverside-San Bernardino-Ontario, CA | 54 | $ 30,890,000 | $ 572,037 | $ 417,000 |
| Phoenix-Mesa-Scottsdale, AZ | 23 | $ 13,105,000 | $ 569,782 | $ 543,000 |
| Oakland-Hayward-Berkeley, CA | 21 | $ 17,835,000 | $ 849,285 | $ 348,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 20 | $ 22,150,000 | $ 1,107,500 | $ 582,000 |
| Santa Maria-Santa Barbara, CA | 16 | $ 17,160,000 | $ 1,072,500 | $ 459,000 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 4,210,000 | $ 350,833 | $ 151,000 |
| San Francisco-Redwood City-South San Francisco, CA | 12 | $ 16,340,000 | $ 1,361,666 | $ 575,000 |
| Las Vegas-Henderson-Paradise, NV | 11 | $ 6,395,000 | $ 581,363 | $ 471,000 |
| Outside any metro area | 9 | $ 3,655,000 | $ 406,111 | $ 282,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 8 | $ 6,770,000 | $ 846,250 | $ 460,000 |
| San Rafael, CA | 8 | $ 16,450,000 | $ 2,056,250 | $ 581,000 |
| Denver-Aurora-Lakewood, CO | 7 | $ 3,045,000 | $ 435,000 | $ 159,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 10,475,000 | $ 1,496,428 | $ 667,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 3,650,000 | $ 608,333 | $ 559,000 |
| Austin-Round Rock, TX | 5 | $ 3,595,000 | $ 719,000 | $ 366,000 |
| Dallas-Plano-Irving, TX | 5 | $ 3,895,000 | $ 779,000 | $ 1,627,000 |
| Modesto, CA | 5 | $ 2,745,000 | $ 549,000 | $ 285,000 |
| Fresno, CA | 4 | $ 1,030,000 | $ 257,500 | $ 77,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,015,000 | $ 338,333 | $ 490,000 |
| Lakeland-Winter Haven, FL | 3 | $ 895,000 | $ 298,333 | $ 251,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,045,000 | $ 348,333 | $ 403,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 3,055,000 | $ 1,018,333 | $ 831,000 |
| San Antonio-New Braunfels, TX | 3 | $ 935,000 | $ 311,666 | $ 121,000 |
| Santa Fe, NM | 3 | $ 1,455,000 | $ 485,000 | $ 331,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 1,725,000 | $ 575,000 | $ 161,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 850,000 | $ 425,000 | $ 213,000 |
| Eugene, OR | 2 | $ 1,110,000 | $ 555,000 | $ 125,000 |
| Fort Worth-Arlington, TX | 2 | $ 450,000 | $ 225,000 | $ 72,000 |
| Jacksonville, FL | 2 | $ 1,710,000 | $ 855,000 | $ 527,000 |
| Napa, CA | 2 | $ 1,260,000 | $ 630,000 | $ 222,000 |
| Ogden-Clearfield, UT | 2 | $ 640,000 | $ 320,000 | $ 237,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 1,390,000 | $ 695,000 | $ 1,017,500 |
| Salem, OR | 2 | $ 490,000 | $ 245,000 | $ 39,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 1,660,000 | $ 830,000 | $ 264,000 |
| Santa Rosa, CA | 2 | $ 1,420,000 | $ 710,000 | $ 312,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 590,000 | $ 295,000 | $ 393,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,590,000 | $ 795,000 | $ 171,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 1,175,000 | $ 1,175,000 | $ 493,000 |
| Bremerton-Silverdale, WA | 1 | $ 1,015,000 | $ 1,015,000 | $ 315,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 215,000 | $ 215,000 | $ 30,000 |
| Chicago-Naperville, IL | 1 | $ 695,000 | $ 695,000 | $ 164,000 |
| Chico, CA | 1 | $ 305,000 | $ 305,000 | $ 1,323,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Fort Collins, CO | 1 | $ 415,000 | $ 415,000 | $ 158,000 |
| Greensboro-High Point, NC | 1 | $ 315,000 | $ 315,000 | $ 96,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 565,000 | $ 565,000 | $ 269,000 |
| Merced, CA | 1 | $ 265,000 | $ 265,000 | $ 123,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 485,000 | $ 485,000 | $ 148,000 |
| Olympia-Tumwater, WA | 1 | $ 565,000 | $ 565,000 | $ 106,000 |
| Pueblo, CO | 1 | $ 205,000 | $ 205,000 | $ 488,000 |
| Reno, NV | 1 | $ 875,000 | $ 875,000 | $ 0 |
| Salinas, CA | 1 | $ 375,000 | $ 375,000 | $ 360,000 |
| Salt Lake City, UT | 1 | $ 445,000 | $ 445,000 | $ 101,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 1,165,000 | $ 1,165,000 | $ 386,000 |
| Spokane-Spokane Valley, WA | 1 | $ 275,000 | $ 275,000 | $ 82,000 |
| Stockton-Lodi, CA | 1 | $ 555,000 | $ 555,000 | $ 118,000 |
| Wenatchee, WA | 1 | $ 295,000 | $ 295,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for 5th Sreet Capital Inc. in 2020
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 | 427 | $420,165,000 | $983,000 | $5,825,000 | $505,000 | $5,237,000 |
| Cash-out Refinancing | 173 | $192,865,000 | $1,114,000 | $5,005,000 | $478,000 | $9,971,000 |
| Refinancing | 80 | $80,860,000 | $1,010,000 | $4,485,000 | $572,000 | $4,500,000 |
| Other Purpose | 1 | $1,405,000 | $1,405,000 | $1,405,000 | $290,000 | $290,000 |
| 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 | 347 | $407,025,000 | $1,172,000 | $4,635,000 | $582,000 | $9,971,000 |
| Not Provided | 156 | $145,730,000 | $934,000 | $5,005,000 | $421,000 | $2,400,000 |
| Hispanic | 81 | $55,605,000 | $686,000 | $2,565,000 | $418,000 | $2,697,000 |
| Asian | 68 | $65,560,000 | $964,000 | $5,825,000 | $438,000 | $2,385,000 |
| Black or African American | 19 | $13,695,000 | $720,000 | $2,245,000 | $350,000 | $1,287,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $2,055,000 | $685,000 | $1,035,000 | $748,000 | $1,723,000 |
| Not applicable | 3 | $2,295,000 | $765,000 | $1,505,000 | $301,000 | $663,000 |
| American Indian or Alaskan Native | 1 | $255,000 | $255,000 | $255,000 | $568,000 | $568,000 |
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) | 680 | $695,010,000 | $1,022,000 | $5,825,000 | $507,000 | $9,971,000 |
| VA-guaranteed (Veterans Administration) | 1 | $285,000 | $285,000 | $285,000 | $31,000 | $31,000 |
| 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 |
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 | 528 | $554,310,000 | $1,049,000 | $5,825,000 | $513,000 | $9,971,000 |
| Application Approved But Not Accepted | 80 | $76,750,000 | $959,000 | $4,635,000 | $540,000 | $3,003,000 |
| Application Withdrawn By Applicant | 50 | $39,660,000 | $793,000 | $2,605,000 | $473,000 | $2,697,000 |
| Application Denied By Financial Institution | 23 | $24,575,000 | $1,068,000 | $2,895,000 | $284,000 | $960,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 658 | $670,720,000 | $1,019,000 | $5,825,000 | $514,000 | $9,971,000 |
| Credit History | 8 | $8,500,000 | $1,062,000 | $2,895,000 | $389,000 | $769,000 |
| Debt-To-Income Ratio | 4 | $3,370,000 | $842,000 | $1,255,000 | $138,000 | $195,000 |
| Credit Application Incomplete | 4 | $4,040,000 | $1,010,000 | $1,755,000 | $93,000 | $299,000 |
| Unverifiable Information | 3 | $3,205,000 | $1,068,000 | $1,505,000 | $326,000 | $663,000 |
| Collateral | 2 | $3,140,000 | $1,570,000 | $2,725,000 | $532,000 | $960,000 |
| Other | 2 | $2,320,000 | $1,160,000 | $2,105,000 | $226,000 | $384,000 |
| 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 2020 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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