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 Home Purchase and Cash Out Refi loans. Berkeley Point Capital has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Dallas, Tampa, Columbus, and Raleigh among others. We have data for 85 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.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 15 Year Conventional Purchase | 6.00% | 4/17/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Berkeley Point Capital Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
243Origination Dollar Volume (All Markets)
$5,515,325,000Top 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 |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 12 | $290,390,000 | $24,199,167 | $0 | 5.75% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $252,505,000 | $36,072,143 | $0 | 5.85% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $252,420,000 | $31,552,500 | $0 | 5.35% |
| COLUMBUS, OH (FHA|USDA|VA) | 8 | $203,700,000 | $25,462,500 | $0 | 5.47% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 8 | $183,940,000 | $22,992,500 | $0 | 5.92% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 4 | $183,680,000 | $45,920,000 | $0 | 5.25% |
| TULSA, OK (FHA|USDA|VA) | 13 | $180,995,000 | $13,922,692 | $0 | 4.15% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 12 | $166,720,000 | $13,893,333 | $0 | 4.55% |
| RICHMOND, VA (FHA|USDA|VA) | 8 | $150,850,000 | $18,856,250 | $0 | 6.56% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $149,600,000 | $37,400,000 | $0 | 5.48% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $146,385,000 | $48,795,000 | $0 | 4.88% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $144,200,000 | $36,050,000 | $0 | 5.66% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 3 | $131,475,000 | $43,825,000 | $0 | 5.44% |
| WICHITA, KS (FHA|USDA|VA) | 8 | $130,780,000 | $16,347,500 | $0 | 4.51% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 6 | $124,480,000 | $20,746,667 | $0 | 6.57% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $116,615,000 | $38,871,667 | $0 | 5.78% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 4 | $112,350,000 | $28,087,500 | $0 | 5.52% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $107,445,000 | $35,815,000 | $0 | 5.97% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $106,645,000 | $35,548,333 | $0 | 4.83% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 4 | $105,570,000 | $26,392,500 | $0 | 5.93% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $101,910,000 | $25,477,500 | $0 | 5.75% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $99,910,000 | $49,955,000 | $0 | 5.24% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $94,550,000 | $47,275,000 | $0 | 4.47% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $91,985,000 | $30,661,667 | $0 | 5.31% |
| EL PASO, TX (FHA|USDA|VA) | 6 | $72,700,000 | $12,116,667 | $0 | 4.05% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $72,410,000 | $36,205,000 | $0 | 5.35% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $70,985,000 | $70,985,000 | $0 | 4.87% |
| Outside of Metro Areas | 3 | $70,585,000 | $23,528,333 | $0 | 5.73% |
| RENO, NV (FHA|USDA|VA) | 1 | $64,025,000 | $64,025,000 | $0 | 5.46% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 4 | $63,990,000 | $15,997,500 | $0 | 4.51% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 4 | $63,930,000 | $15,982,500 | $0 | 6.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $60,400,000 | $30,200,000 | $0 | 4.86% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $60,345,000 | $60,345,000 | $0 | 6.31% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $59,655,000 | $59,655,000 | $0 | 5.48% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $56,205,000 | $56,205,000 | $0 | 5.77% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $52,460,000 | $26,230,000 | $0 | 5.73% |
| LUBBOCK, TX (FHA|USDA|VA) | 3 | $50,495,000 | $16,831,667 | $0 | 4.22% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $49,325,000 | $49,325,000 | $0 | 5.87% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 4 | $47,580,000 | $11,895,000 | $0 | 5.56% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $44,355,000 | $14,785,000 | $0 | 5.95% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $43,425,000 | $43,425,000 | $0 | 4.18% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $43,250,000 | $10,812,500 | $0 | 5.77% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $41,870,000 | $20,935,000 | $0 | 5.66% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $39,730,000 | $19,865,000 | $0 | 5.52% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $39,510,000 | $19,755,000 | $0 | 4.02% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $37,545,000 | $37,545,000 | $0 | 6.49% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $36,705,000 | $36,705,000 | $0 | 5.94% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $36,025,000 | $36,025,000 | $0 | 6.07% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $33,470,000 | $16,735,000 | $0 | 6.90% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $30,715,000 | $30,715,000 | $0 | 6.49% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $30,250,000 | $15,125,000 | $0 | 5.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $28,195,000 | $28,195,000 | $0 | 6.42% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $26,585,000 | $26,585,000 | $0 | 5.82% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $26,155,000 | $26,155,000 | $0 | 5.52% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $25,805,000 | $25,805,000 | $0 | 6.05% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $22,545,000 | $22,545,000 | $0 | 6.06% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $22,395,000 | $22,395,000 | $0 | 4.99% |
| Keene, NH (FHA|USDA|VA) | 6 | $21,660,000 | $3,610,000 | $0 | 5.96% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $21,555,000 | $7,185,000 | $0 | 5.56% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $20,940,000 | $10,470,000 | $0 | 5.73% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $20,055,000 | $20,055,000 | $0 | 5.58% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $19,760,000 | $9,880,000 | $0 | 5.77% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $18,545,000 | $6,181,667 | $0 | 7.18% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $18,290,000 | $9,145,000 | $0 | 5.49% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $17,025,000 | $17,025,000 | $0 | 5.55% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $17,005,000 | $17,005,000 | $0 | 5.64% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $15,785,000 | $15,785,000 | $0 | 5.84% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $15,005,000 | $15,005,000 | $0 | 5.28% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $14,995,000 | $14,995,000 | $0 | 5.79% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $14,285,000 | $14,285,000 | $0 | 5.38% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $13,940,000 | $6,970,000 | $0 | 6.13% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $13,475,000 | $13,475,000 | $0 | 5.86% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $13,455,000 | $13,455,000 | $0 | 5.53% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $11,975,000 | $11,975,000 | $0 | 5.88% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $11,635,000 | $11,635,000 | $0 | 5.56% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $10,255,000 | $10,255,000 | $0 | 4.02% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $9,965,000 | $9,965,000 | $0 | 6.01% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $8,460,000 | $4,230,000 | $0 | 5.34% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $7,165,000 | $7,165,000 | $0 | 6.07% |
| Concord, NH (FHA|USDA|VA) | 2 | $6,930,000 | $3,465,000 | $0 | 5.96% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $6,155,000 | $6,155,000 | $0 | 6.21% |
| READING, PA (FHA|USDA|VA) | 1 | $5,635,000 | $5,635,000 | $0 | 5.94% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $4,455,000 | $4,455,000 | $0 | 3.84% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $2,505,000 | $2,505,000 | $0 | 5.91% |
| SALEM, OR (FHA|USDA|VA) | 1 | $1,695,000 | $1,695,000 | $0 | 6.22% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 243 | $5,515,325,000 | $22,696,811 | $0 | 5.44% |
For 2024, Berkeley Point Capital's most frequently originated type of loan was Conventional, with 243 originations.
Loan Reason
For 2024, Berkeley Point Capital's most frequently cited loan purpose was Home Purchase, with 130 originations. The 2nd most popular reason was Cash Out Refi, with 100 originations.
Loan Duration/Length
For 2024, Berkeley Point Capital's most frequently cited loan duration was 10 Year, with 118 originations. The 2nd most popular length was 5 Year, with 63 originations.
Interest Rates
During 2024, 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 140 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $1MM+ | 243 | $5,515,325,000 | $22,696,811 | $0 | 5.44% |
2024 saw Berkeley Point Capital place emphasis on $1MM+ loans with 243 originations, totaling $5,515,325,000 in origination value.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 243 | $5,515,325,000 | $22,696,811 | $0 | 5.44% |
Approval Rates
Total approvals of all applications98.83%
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 origination95.88%
Berkeley Point Capital has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 243 | $5,515,325,000 | $22,696,811 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 243 | $5,515,325,000 | $22,696,811 |