Berkeley Point Capital Mortgage Rates, Fees & Info

WILMINGTON, DE

LEI: 549300HINJH60UG3KG47

Tax ID: 45-3508295

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Berkeley Point Capital is a large mortgage company specializing in Home Purchase and Cash Out Refi loans. Berkeley Point Capital has a high proportion of conventional loans. Their top markets include Tampa, Atlanta, Washington, Los Angeles, and Kansas City among others. Berkeley Point Capital has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors.


Originations

217

Origination Dollar Volume (All Markets)

$7,639,585,000

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $1,518,040,000 $253,006,667 $0 0.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 9 $755,545,000 $83,949,444 $0 0.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 7 $334,335,000 $47,762,143 $0 0.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 14 $298,490,000 $21,320,714 $0 0.00%
KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $274,905,000 $91,635,000 $0 0.00%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 9 $233,455,000 $25,939,444 $0 0.00%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 8 $205,680,000 $25,710,000 $0 0.00%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 3 $192,965,000 $64,321,667 $0 0.00%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 5 $183,855,000 $36,771,000 $0 0.00%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 4 $181,470,000 $45,367,500 $0 0.00%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $169,005,000 $56,335,000 $0 0.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $160,010,000 $80,005,000 $0 0.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $158,560,000 $39,640,000 $0 0.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $138,145,000 $46,048,333 $0 0.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $137,920,000 $34,480,000 $0 0.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 7 $123,195,000 $17,599,286 $0 0.00%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $120,630,000 $30,157,500 $0 0.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $111,035,000 $37,011,667 $0 0.00%
ROCHESTER, NY (FHA|USDA|VA) 4 $96,910,000 $24,227,500 $0 0.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $95,190,000 $47,595,000 $0 0.00%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $80,005,000 $80,005,000 $0 0.00%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $79,115,000 $26,371,667 $0 0.00%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 4 $78,730,000 $19,682,500 $0 0.00%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 4 $77,340,000 $19,335,000 $0 0.00%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 3 $76,245,000 $25,415,000 $0 0.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $74,050,000 $18,512,500 $0 0.00%
VALLEJO, CA (FHA|USDA|VA) 1 $73,745,000 $73,745,000 $0 0.00%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $68,255,000 $68,255,000 $0 0.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 5 $66,005,000 $13,201,000 $0 0.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $64,040,000 $32,020,000 $0 0.00%
COLUMBUS, OH (FHA|USDA|VA) 3 $59,955,000 $19,985,000 $0 0.00%
GAINESVILLE, GA (FHA|USDA|VA) 1 $59,215,000 $59,215,000 $0 0.00%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $56,220,000 $28,110,000 $0 0.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 4 $50,750,000 $12,687,500 $0 0.00%
AMARILLO, TX (FHA|USDA|VA) 2 $46,130,000 $23,065,000 $0 0.00%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $44,940,000 $22,470,000 $0 0.00%
Stephenville, TX (FHA|USDA|VA) 1 $44,435,000 $44,435,000 $0 0.00%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $43,545,000 $43,545,000 $0 0.00%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $41,170,000 $10,292,500 $0 0.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $39,665,000 $39,665,000 $0 0.00%
ANN ARBOR, MI (FHA|USDA|VA) 1 $38,925,000 $38,925,000 $0 0.00%
GAINESVILLE, FL (FHA|USDA|VA) 1 $38,585,000 $38,585,000 $0 0.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $37,650,000 $18,825,000 $0 0.00%
LAREDO, TX (FHA|USDA|VA) 1 $36,765,000 $36,765,000 $0 0.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $36,035,000 $36,035,000 $0 0.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $35,105,000 $35,105,000 $0 0.00%
TULSA, OK (FHA|USDA|VA) 2 $35,050,000 $17,525,000 $0 0.00%
RICHMOND, VA (FHA|USDA|VA) 1 $34,105,000 $34,105,000 $0 0.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $33,850,000 $16,925,000 $0 0.00%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $32,480,000 $16,240,000 $0 0.00%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $30,765,000 $30,765,000 $0 0.00%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $29,285,000 $29,285,000 $0 0.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $26,685,000 $26,685,000 $0 0.00%
WACO, TX (FHA|USDA|VA) 1 $26,505,000 $26,505,000 $0 0.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $25,025,000 $8,341,667 $0 0.00%
READING, PA (FHA|USDA|VA) 1 $24,185,000 $24,185,000 $0 0.00%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $24,085,000 $24,085,000 $0 0.00%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $22,590,000 $11,295,000 $0 0.00%
SAVANNAH, GA (FHA|USDA|VA) 2 $22,080,000 $11,040,000 $0 0.00%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $21,795,000 $21,795,000 $0 0.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $21,545,000 $21,545,000 $0 0.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $21,385,000 $7,128,333 $0 0.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $19,425,000 $19,425,000 $0 0.00%
PITTSBURGH, PA (FHA|USDA|VA) 1 $19,275,000 $19,275,000 $0 0.00%
TUCSON, AZ (FHA|USDA|VA) 5 $17,875,000 $3,575,000 $0 0.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $16,805,000 $16,805,000 $0 0.00%
NILES, MI (FHA|USDA|VA) 3 $16,375,000 $5,458,333 $0 0.00%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $15,595,000 $15,595,000 $0 0.00%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $15,305,000 $15,305,000 $0 0.00%
Stillwater, OK (FHA|USDA|VA) 3 $14,785,000 $4,928,333 $0 0.00%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $14,365,000 $14,365,000 $0 0.00%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $14,095,000 $14,095,000 $0 0.00%
WICHITA, KS (FHA|USDA|VA) 1 $13,975,000 $13,975,000 $0 0.00%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $12,005,000 $12,005,000 $0 0.00%
Lufkin, TX (FHA|USDA|VA) 1 $11,605,000 $11,605,000 $0 0.00%
TOPEKA, KS (FHA|USDA|VA) 1 $10,675,000 $10,675,000 $0 0.00%
Huntsville, TX (FHA|USDA|VA) 1 $10,555,000 $10,555,000 $0 0.00%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $9,105,000 $9,105,000 $0 0.00%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $8,755,000 $8,755,000 $0 0.00%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $7,605,000 $7,605,000 $0 0.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $6,025,000 $6,025,000 $0 0.00%
OWENSBORO, KY (FHA|USDA|VA) 1 $4,775,000 $4,775,000 $0 0.00%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $3,965,000 $3,965,000 $0 0.00%
ST. CLOUD, MN (FHA|USDA|VA) 1 $3,935,000 $3,935,000 $0 0.00%
PUEBLO, CO (FHA|USDA|VA) 1 $3,275,000 $3,275,000 $0 0.00%
OCALA, FL (FHA|USDA|VA) 1 $2,055,000 $2,055,000 $0 0.00%

Berkeley Point Capital 's top markets include Tampa, Atlanta, Washington, Los Angeles, and Kansas City among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 217 $7,639,585,000 $35,205,461 $0 0.00%

For the 2021 period, Berkeley Point Capital 's most frequently originated loan type of loans were Conventional, with 217 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 124 $5,951,530,000 $47,996,210 $0 0.00%
Cash Out Refi 93 $1,688,055,000 $18,151,129 $0 0.00%

For the 2021, Berkeley Point Capital 's most frequently cited loan purpose of loans were Home Purchase, with 124 originations. The 2nd most popular reason of loans were Cash Out Refi, with 93 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
10 Year 141 $5,956,785,000 $42,246,702 $0 0.00%
Other 69 $1,542,485,000 $22,354,855 $0 0.00%
15 Year 7 $140,315,000 $20,045,000 $0 0.00%

For the 2021, Berkeley Point Capital 's most frequently cited loan length of loans were 10 Year, with 141 originations. The 2nd most popular length of loans were Other, with 69 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$1MM+ 217 $7,639,585,000 $35,205,461 $0 0.00%

2021 saw Berkeley Point Capital place emphasis on $1MM+ loans with 217 originations, totaling $7,639,585,000 in origination value.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
Not applicable 217 $7,639,585,000 $35,205,461 $0 0.00%

Approval Rates

Total approvals of all applications
99.64%

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
72.46%

Berkeley Point Capital has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 217 $7,639,585,000 $35,205,461

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
217 $7,639,585,000 $35,205,461

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 12 $285,800,000 $23,816,667 $0 0.00%
40-60% 51 $1,709,045,000 $33,510,686 $0 0.00%
60-80% 117 $5,199,545,000 $44,440,556 $0 0.00%
80-100% 10 $242,730,000 $24,273,000 $0 0.00%
Under 20% 27 $202,465,000 $7,498,704 $0 0.00%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
BARCLAYS BANK DELAWARE Conventional home mortgage Closing on a mortgage 1 50.0%
BARCLAYS BANK DELAWARE Other type of mortgage Closing on a mortgage 1 50.0%