Berkeley Point Capital Mortgage Rates, Fees & Info

WILMINGTON, DE

LEI: 549300HINJH60UG3KG47

Tax ID: 45-3508295

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Mortgage Data

Review & Overview

Berkeley Point Capital is a mid-sized mortgage company specializing in Cash Out Refi and Home Purchase loans. Berkeley Point Capital has a high proportion of conventional loans. Their top markets by origination volume include: Columbus, Seattle, Denver, Austin, and Washington among others. We have data for 62 markets. (Some data included below & more in-depth data is available with an active subscription.)

Berkeley Point Capital has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.

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Originations

141

Origination Dollar Volume (All Markets)

$3,583,565,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
COLUMBUS, OH (FHA|USDA|VA) 7 $262,715,000 $37,530,714 $0 5.75%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 4 $200,500,000 $50,125,000 $0 5.01%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $193,260,000 $48,315,000 $0 5.27%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $192,215,000 $38,443,000 $0 5.45%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $185,855,000 $61,951,667 $0 4.60%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 5 $172,075,000 $34,415,000 $0 5.81%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $127,135,000 $42,378,333 $0 4.99%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 3 $114,725,000 $38,241,667 $0 4.80%
KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $113,200,000 $28,300,000 $0 4.79%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $112,705,000 $22,541,000 $0 5.65%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $112,665,000 $37,555,000 $0 5.98%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $103,075,000 $34,358,333 $0 6.12%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $101,140,000 $25,285,000 $0 5.09%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 5 $98,135,000 $19,627,000 $0 6.31%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 5 $92,495,000 $18,499,000 $0 5.72%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $85,700,000 $42,850,000 $0 5.34%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 5 $78,285,000 $15,657,000 $0 5.75%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $71,630,000 $35,815,000 $0 5.74%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $71,305,000 $71,305,000 $0 5.20%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $62,280,000 $15,570,000 $0 6.60%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $62,100,000 $15,525,000 $0 4.58%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $55,300,000 $27,650,000 $0 5.08%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $51,085,000 $17,028,333 $0 5.81%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $50,650,000 $25,325,000 $0 4.96%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $50,445,000 $50,445,000 $0 3.97%
BOISE CITY, ID (FHA|USDA|VA) 2 $50,190,000 $25,095,000 $0 5.79%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $48,055,000 $48,055,000 $0 4.50%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $47,160,000 $23,580,000 $0 5.52%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $39,415,000 $39,415,000 $0 5.76%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $37,725,000 $37,725,000 $0 5.42%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $35,660,000 $17,830,000 $0 6.20%
SAVANNAH, GA (FHA|USDA|VA) 3 $34,815,000 $11,605,000 $0 6.85%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $34,340,000 $17,170,000 $0 6.20%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $32,005,000 $32,005,000 $0 5.54%
WICHITA, KS (FHA|USDA|VA) 2 $29,770,000 $14,885,000 $0 4.09%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $29,125,000 $29,125,000 $0 1.94%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $28,570,000 $7,142,500 $0 7.17%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $27,290,000 $13,645,000 $0 6.07%
RICHMOND, VA (FHA|USDA|VA) 3 $25,435,000 $8,478,333 $0 6.57%
Georgetown, SC (FHA|USDA|VA) 1 $24,985,000 $24,985,000 $0 6.21%
TULSA, OK (FHA|USDA|VA) 1 $24,865,000 $24,865,000 $0 5.06%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $19,125,000 $19,125,000 $0 2.85%
LAFAYETTE, LA (FHA|USDA|VA) 1 $18,905,000 $18,905,000 $0 5.46%
TYLER, TX (FHA|USDA|VA) 2 $17,800,000 $8,900,000 $0 5.77%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $17,505,000 $17,505,000 $0 5.58%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $16,315,000 $16,315,000 $0 5.88%
Bartlesville, OK (FHA|USDA|VA) 1 $15,005,000 $15,005,000 $0 5.27%
BATON ROUGE, LA (FHA|USDA|VA) 1 $13,455,000 $13,455,000 $0 5.51%
LYNCHBURG, VA (FHA|USDA|VA) 1 $12,205,000 $12,205,000 $0 5.16%
Tupelo, MS (FHA|USDA|VA) 2 $11,540,000 $5,770,000 $0 5.37%
TOPEKA, KS (FHA|USDA|VA) 1 $11,055,000 $11,055,000 $0 5.60%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $11,025,000 $11,025,000 $0 7.41%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $9,495,000 $9,495,000 $0 5.87%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $8,295,000 $8,295,000 $0 5.75%
MOBILE, AL (FHA|USDA|VA) 1 $8,025,000 $8,025,000 $0 5.58%
SALEM, OR (FHA|USDA|VA) 1 $5,995,000 $5,995,000 $0 5.66%
WILMINGTON, NC (FHA|USDA|VA) 1 $5,185,000 $5,185,000 $0 5.07%
JACKSON, MS (FHA|USDA|VA) 1 $4,065,000 $4,065,000 $0 5.28%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $3,265,000 $3,265,000 $0 7.59%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $2,465,000 $2,465,000 $0 5.80%
BRUNSWICK, GA (FHA|USDA|VA) 1 $1,615,000 $1,615,000 $0 8.15%
St. Marys, GA (FHA|USDA|VA) 1 $1,145,000 $1,145,000 $0 7.93%
Berkeley Point Capital's top markets include Columbus, Seattle, Denver, Austin, and Washington among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 141 $3,583,565,000 $25,415,355 $0 5.62%

    For 2023, Berkeley Point Capital's most frequently originated type of loan was Conventional, with 141 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 75 $1,376,485,000 $18,353,133 $0 6.11%
    Home Purchase 66 $2,207,080,000 $33,440,606 $0 5.06%

    For 2023, Berkeley Point Capital's most frequently cited loan purpose was Cash Out Refi, with 75 originations. The 2nd most popular reason was Home Purchase, with 66 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 64 $1,481,750,000 $23,152,344 $0 5.51%
    10 Year 44 $1,017,270,000 $23,119,773 $0 5.54%
    5 Year 33 $1,084,545,000 $32,865,000 $0 5.93%

    For 2023, Berkeley Point Capital's most frequently cited loan duration was Other, with 64 originations. The 2nd most popular length was 10 Year, with 44 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 75 $2,025,705,000 $27,009,400
    6-7% 23 $614,845,000 $26,732,391
    7-8% 16 $126,060,000 $7,878,750
    4-5% 13 $334,805,000 $25,754,231
    3-4% 7 $291,445,000 $41,635,000
    2.5-3% 3 $149,955,000 $49,985,000
    Over 8% 2 $2,620,000 $1,310,000
    <2.5% 2 $38,130,000 $19,065,000

    During 2023, Berkeley Point Capital's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 5-6%, with 75 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 141 $3,583,565,000 $25,415,355 $0 5.62%

    2023 saw Berkeley Point Capital place emphasis on $1MM+ loans with 141 originations, totaling $3,583,565,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 141 $3,583,565,000 $25,415,355 $0 5.62%

    Approval Rates

    Total approvals of all applications
    100.00%

    Berkeley Point Capital has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    92.20%

    Berkeley Point Capital has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 141 $3,583,565,000 $25,415,355

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    141 $3,583,565,000 $25,415,355

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 9 $124,135,000 $13,792,778 $0 6.14%
    40-60% 50 $1,239,150,000 $24,783,000 $0 5.16%
    60-80% 59 $1,918,925,000 $32,524,153 $0 5.42%
    80-100% 1 $22,005,000 $22,005,000 $0 6.10%
    Under 20% 22 $279,350,000 $12,697,727 $0 6.94%