5TH Street Capital
5TH Street Capital has 234 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Rates typically 116 basis points above market average
- Higher than average fees ($6,046)
Explore another lender or local market
Report Card
5TH Street Capital performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+116.1 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
181 loans · 1.16% above market
Acceptable
Bottom 40% of lenders
2/5
Jumbo
53 loans · 1.15% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
185 loans · 1.18% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
49 loans · 1.12% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 181 | 77.4% | +1.164%Above | $6,320Fees | ||||
Jumbo Loans | — | 53 | 22.6% | +1.147%Above | $4,285Fees |
Conventional
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume181
Mix77.4%
Spread
+1.164%Above
Fees
$6,320Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume53
Mix22.6%
Spread
+1.147%Above
Fees
$4,285Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 185 | 79.1% | +1.175%Above | $6,238Fees | ||||
Refinance | 49 | 20.9% | +1.116%Above | $5,426Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume185
Mix79.1%
Spread
+1.175%Above
Fees
$6,238Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughAcceptable
Volume49
Mix20.9%
Spread
+1.116%Above
Fees
$5,426Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
234
Applications
372
Volume
$173 million
Pricing & Closing
Avg Rate Spread
+1.161%
vs. market APOR
Avg Net Fees
$6,046
Origination − Credits
Pullthrough Rate
62.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$742,735
Avg Borrower Income
$619,150
Avg Property Value
$1,103,932
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
16
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
16Full-year 2024 · HMDALoans originated
< 1010–2020+None
Northeast1
CT
Midwest1
IL
South5
FLGAMDTNTX
West9
AZCACOIDMTNVORUTWA
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of 5TH Street Capital?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.