5th Street Capital in Texas vs the state
4.6%Denial rate-14.88 pts vs state
5.6%Decision denial rate-19.34 pts vs state
50.0%Origination rate-4.88 pts vs state
7.63%Median rate+1.13 pts vs state
1.59Rate spread (pts)+1.39 pts vs state
$314kMedian applicant income
11Loans originated
1Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 7 | 13.6% | 8.88% | #870 |
| 2024 | 41 | 24 | 2.4% | 7.63% | #726 |
| 2025 | 22 | 11 | 4.6% | 7.63% | #855 |
What 5th Street Capital lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most 5th Street Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 4 | 1 | 0 | 0.0% |
| Denton County | 2 | 2 | 0 | 0.0% |
| Dallas County | 2 | 0 | 0 | 0.0% |
| Fort Bend County | 2 | 1 | 0 | 0.0% |
| Tarrant County | 2 | 2 | 0 | 0.0% |
| San Patricio County | 1 | 0 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 0 | 0.0% |
| Waller County | 1 | 0 | 1 | 100.0% |
| Webb County | 1 | 1 | 0 | 0.0% |
| Randall County | 1 | 0 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 22 applications in 2025, of which 11 were originated and 1 denied.
4.6% of all applications, or 5.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans 5th Street Capital originated in Texas in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are 5th Street Capital's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology