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: Los Angeles, Denver, Greenville, Austin, and Miami among others. We have data for 61 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. They typically have about average rates.
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Originations
203Origination Dollar Volume (All Markets)
$4,762,165,000Top 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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 38 | $649,550,000 | $17,093,421 | $0 | 4.14% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $455,965,000 | $65,137,857 | $0 | 4.42% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $348,035,000 | $116,011,667 | $0 | 4.72% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $252,520,000 | $63,130,000 | $0 | 4.38% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 9 | $234,705,000 | $26,078,333 | $0 | 4.70% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 9 | $228,015,000 | $25,335,000 | $0 | 4.06% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 19 | $224,115,000 | $11,795,526 | $0 | 5.04% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 16 | $219,960,000 | $13,747,500 | $0 | 4.57% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $218,235,000 | $72,745,000 | $0 | 4.48% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $157,125,000 | $31,425,000 | $0 | 4.42% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 4 | $117,420,000 | $29,355,000 | $0 | 4.25% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $106,970,000 | $26,742,500 | $0 | 4.56% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $93,445,000 | $18,689,000 | $0 | 4.59% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $86,030,000 | $43,015,000 | $0 | 4.38% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $80,005,000 | $80,005,000 | $0 | 4.08% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $71,855,000 | $23,951,667 | $0 | 4.50% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $59,385,000 | $59,385,000 | $0 | 4.68% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $58,595,000 | $58,595,000 | $0 | 4.76% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $51,835,000 | $17,278,333 | $0 | 4.11% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $51,400,000 | $25,700,000 | $0 | 4.09% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $49,355,000 | $49,355,000 | $0 | 4.13% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $49,220,000 | $12,305,000 | $0 | 4.51% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $47,760,000 | $11,940,000 | $0 | 4.69% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $46,420,000 | $23,210,000 | $0 | 4.56% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $46,360,000 | $23,180,000 | $0 | 4.07% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $45,430,000 | $22,715,000 | $0 | 4.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $42,995,000 | $14,331,667 | $0 | 4.71% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $40,715,000 | $13,571,667 | $0 | 4.68% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $40,005,000 | $40,005,000 | $0 | 4.05% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $37,705,000 | $37,705,000 | $0 | 4.33% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $37,610,000 | $18,805,000 | $0 | 4.56% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $35,645,000 | $35,645,000 | $0 | 4.55% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $35,105,000 | $35,105,000 | $0 | 4.48% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $32,005,000 | $32,005,000 | $0 | 4.91% |
| WACO, TX (FHA|USDA|VA) | 2 | $29,110,000 | $14,555,000 | $0 | 4.81% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $26,870,000 | $13,435,000 | $0 | 4.94% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $26,755,000 | $26,755,000 | $0 | 4.64% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $26,685,000 | $26,685,000 | $0 | 4.27% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $25,695,000 | $8,565,000 | $0 | 4.82% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $25,220,000 | $12,610,000 | $0 | 3.89% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $24,060,000 | $12,030,000 | $0 | 4.80% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $21,985,000 | $21,985,000 | $0 | 4.45% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $20,845,000 | $20,845,000 | $0 | 4.16% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $20,815,000 | $20,815,000 | $0 | 4.97% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $19,505,000 | $19,505,000 | $0 | 4.89% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $19,045,000 | $19,045,000 | $0 | 4.78% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $18,995,000 | $18,995,000 | $0 | 4.94% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $16,405,000 | $16,405,000 | $0 | 4.25% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $14,390,000 | $7,195,000 | $0 | 4.82% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $13,960,000 | $6,980,000 | $0 | 5.52% |
| CHICO, CA (FHA|USDA|VA) | 2 | $9,510,000 | $4,755,000 | $0 | 4.73% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $9,115,000 | $9,115,000 | $0 | 4.71% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $8,675,000 | $8,675,000 | $0 | 5.20% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $7,895,000 | $7,895,000 | $0 | 4.85% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $6,785,000 | $6,785,000 | $0 | 4.99% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $4,705,000 | $4,705,000 | $0 | 5.33% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $4,235,000 | $4,235,000 | $0 | 5.10% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $3,015,000 | $3,015,000 | $0 | 6.04% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $0 | 6.22% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $2,275,000 | $2,275,000 | $0 | 6.13% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $1,115,000 | $1,115,000 | $0 | 6.13% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 203 | $4,762,165,000 | $23,458,941 | $0 | 4.55% |
For 2018, Berkeley Point Capital's most frequently originated type of loan was Conventional, with 203 originations.
Loan Reason
For 2018, Berkeley Point Capital's most frequently cited loan purpose was Cash Out Refi, with 138 originations. The 2nd most popular reason was Home Purchase, with 64 originations.
Loan Duration/Length
For 2018, Berkeley Point Capital's most frequently cited loan duration was 10 Year, with 132 originations. The 2nd most popular length was Other, with 54 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 156 | $4,076,850,000 | $26,133,654 |
| 5-6% | 22 | $159,970,000 | $7,271,364 |
| 3-4% | 18 | $508,690,000 | $28,260,556 |
| 6-7% | 7 | $16,655,000 | $2,379,286 |
During 2018, Berkeley Point Capital's average interest rate for loans was 5.15%, while their most frequently originated rate bucket for loans was 4-5%, with 156 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $1MM+ | 203 | $4,762,165,000 | $23,458,941 | $0 | 4.55% |
2018 saw Berkeley Point Capital place emphasis on $1MM+ loans with 203 originations, totaling $4,762,165,000 in origination value.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 203 | $4,762,165,000 | $23,458,941 | $0 | 4.55% |
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 origination94.58%
Berkeley Point Capital has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 203 | $4,762,165,000 | $23,458,941 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 203 | $4,762,165,000 | $23,458,941 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BARCLAYS BANK DELAWARE | Other type of mortgage | Closing on a mortgage | 3 | 42.9% |
| BARCLAYS BANK DELAWARE | Other type of mortgage | Struggling to pay mortgage | 3 | 42.9% |
| BARCLAYS BANK DELAWARE | Other type of mortgage | Trouble during payment process | 1 | 14.3% |