Question 1

What are 5th Street Capital, Inc.'s average closing costs?

Accepted Answer

Based on 182 homebuyer-submitted Closing Disclosures, 5th Street Capital, Inc.'s median total closing costs are $15,979. This is about 148% above the $6,435 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.

Question 2

Does 5th Street Capital, Inc. charge junk fees?

Accepted Answer

None of the 182 Closing Disclosures we've analyzed for 5th Street Capital, Inc. included fees flagged as potentially excessive — a strong sign. That said, every loan is different. Fair Closing Check can review your specific disclosure to confirm there are no hidden charges on your loan.

Question 3

How do 5th Street Capital, Inc.'s fees compare to other lenders?

Accepted Answer

5th Street Capital, Inc. currently holds a grade of F on Fair Closing Check, placing them significantly above the national average — a red flag worth investigating before closing. Their median closing costs of $15,979 are about 148% above the $6,435 national peer median. Grades are based on real homebuyer-submitted Closing Disclosures and scale from A (well below average) to F (significantly above average). This is informational only; individual loans vary by state, loan type, and borrower circumstances.

Question 4

Can I negotiate closing costs with 5th Street Capital, Inc.?

Accepted Answer

Yes — closing costs are almost always negotiable to some degree. Based on our data, 5th Street Capital, Inc.'s origination fee (avg $12,108) runs above the peer average of $3,743, making it worth challenging specifically. Lender-controlled fees like origination, processing, and underwriting charges can often be reduced or waived, especially if you have a strong credit profile or are comparing offers from multiple lenders. Third-party fees such as title insurance and settlement services can sometimes be shopped around for better rates — you are generally entitled to choose your own providers. Fair Closing Check analyzes your specific Closing Disclosure and identifies which fees to challenge and how much room there is to negotiate. This is informational only and not legal or financial advice.

Question 5

What fees on 5th Street Capital, Inc.'s Closing Disclosures run above peer averages?

Accepted Answer

Across homebuyer-submitted Closing Disclosures for 5th Street Capital, Inc., three fee categories tend to run above comparable lenders: origination fee (avg $12,108 vs $3,743 peer avg, +$8,365), lender credits (avg $4,949 vs $1,150 peer avg, +$3,799), and discount points (avg $3,894 vs $3,585 peer avg, +$308). These are the line items most worth scrutinizing or challenging on your own disclosure. "Junk fees" is industry shorthand for charges that are inflated beyond the peer norm or provide little discernible value — the CFPB recommends shopping title, settlement, and pest-inspection services independently when possible. This data is informational only and not financial advice.

Question 6

How much do 5th Street Capital, Inc.'s closing costs vary by state?

Accepted Answer

5th Street Capital, Inc.'s closing costs vary significantly by state. Based on the 8 states in our database with at least 3 reports, median total closing costs range from $11,538 in Nevada to $17,432 in California — a $5,895 spread. Variation reflects state-specific transfer taxes, title insurance regulation, attorney requirements, and recording-fee schedules rather than lender policy. See state-level data on this page to compare your own state. This is informational only and not financial advice.

Fee Category	This Lender (avg)	National Avg	Verdict
Origination Fee	$12,108	$3,743	🔺 High
lender_credits	$4,949	$1,150	🔺 High
discount_points	$3,894	$3,585	🟡 Average

5th Street Capital, Inc.

5th Street Capital, Inc. Closing Cost Breakdown

Compare with similar lenders

Borrower Reviews

Frequently Asked Questions

Related Guides