5th Street Capital in California vs the state
1.9%Denial rate-15.53 pts vs state
2.0%Decision denial rate-20.45 pts vs state
59.4%Origination rate+3.23 pts vs state
7.38%Median rate+0.75 pts vs state
1.11Rate spread (pts)+0.84 pts vs state
$286kMedian applicant income
126Loans originated
4Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 153 | 84 | 3.9% | 8.38% | #367 |
| 2024 | 268 | 157 | 3.7% | 7.63% | #312 |
| 2025 | 212 | 126 | 1.9% | 7.38% | #358 |
What 5th Street Capital lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most 5th Street Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 94 | 58 | 1 | 1.1% |
| San Diego County | 20 | 11 | 1 | 5.0% |
| Orange County | 16 | 7 | 0 | 0.0% |
| San Francisco County | 16 | 10 | 1 | 6.3% |
| Alameda County | 9 | 9 | 0 | 0.0% |
| Riverside County | 8 | 4 | 0 | 0.0% |
| Ventura County | 4 | 2 | 1 | 25.0% |
| San Bernardino County | 4 | 3 | 0 | 0.0% |
| Marin County | 4 | 1 | 0 | 0.0% |
| Contra Costa County | 4 | 3 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 212 applications in 2025, of which 126 were originated and 4 denied.
1.9% of all applications, or 2.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans 5th Street Capital originated in California in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are 5th Street Capital's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology