Applications / Mortgage Analytics / Lenders / California / 5th Street Capital
San Diego, CA · Non-bank or government lender · CFPB · 204 loans in 2025
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204
loans originated, 2025
334
applications, 2025
20
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
5th Street Capital, a San Diego non-bank, makes far larger loans than its peers, mostly for home purchases, but made 204 loans in 2025, against 996 in 2021.
Its typical loan was $595,000, against $365,000 at similar lenders, meaning non-banks making between half and twice as many loans. Nearly a quarter of its loans, 23.9%, were jumbo (larger than the conforming limit), against 0.7% for its peers. So its dollar total, $165.1 million, was higher than at about four in five similar lenders, though its loan count sat near the middle. All its loans were conventional, and 77.0% financed a purchase.
Its loans fell 18% in 2025 as similar lenders rose 8% and the whole market rose 10%. That fall was steeper than at more than four in five of its peers. Its history swings hard: 963 loans in 2019, 996 in 2021, then 121 in 2023. What drove those swings cannot be told from its filings.
It lends in 20 states and 58 metros but its share is tiny wherever it is measured: 0.1% or less in San Diego, Phoenix and Laredo. In San Diego, its home market, its share fell 0.1 points, which the fall in its own loan count could explain. It entered Laredo, Texas, in 2025.
Of its loans, 41.6% went to majority-minority neighborhoods, more than at about two-thirds of its peers. Only 13.6% went to low- and moderate-income borrowers, against 24.1% for similar lenders. That may simply reflect the size of its loans.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 5th Street Capital took 334 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.0% · Refinance 23.0%
Conventional 100.0% · of 204 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 125 | 61.3% |
| Florida | 13 | 6.4% |
| Texas | 11 | 5.4% |
| Arizona | 9 | 4.4% |
| Colorado | 9 | 4.4% |
| Nevada | 6 | 2.9% |
| Washington | 6 | 2.9% |
| Oregon | 5 | 2.5% |
| Georgia | 2 | 1.0% |
| Idaho | 2 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 58 |
| Oakland-Fremont-Berkeley | 12 |
| San Francisco-San Mateo-Redwood City | 12 |
| San Diego-Chula Vista-Carlsbad | 11 |
| Anaheim-Santa Ana-Irvine | 7 |
| Phoenix-Mesa-Chandler | 7 |
| Riverside-San Bernardino-Ontario | 7 |
| Denver-Aurora-Centennial | 6 |
| Las Vegas-Henderson-North Las Vegas | 5 |
| Sacramento-Roseville-Folsom | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NLJI4QKZ3D0G94 | 2018–2025 |
Established 23 October 2015. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: 5th Street Capital's data.
5th Street Capital's data
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5th Street Capital and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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