Berkeley Point Capital Mortgage Rates, Fees & Info
WILMINGTON, DELEI: 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
141Origination Dollar Volume (All Markets)
$3,583,565,000Top 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% |
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
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
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 applications100.00%
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 origination92.20%
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 |