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: Denver, Washington, Houston, Atlanta, and San Francisco among others. We have data for 63 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 a below average pick rate when compared to similar lenders. They typically have about average rates.
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
165Origination Dollar Volume (All Markets)
$3,712,325,000Top 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 |
|---|---|---|---|---|---|
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $354,845,000 | $39,427,222 | $0 | 3.81% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 8 | $269,650,000 | $33,706,250 | $0 | 4.25% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 13 | $268,095,000 | $20,622,692 | $0 | 3.99% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 9 | $198,305,000 | $22,033,889 | $0 | 3.83% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 5 | $167,575,000 | $33,515,000 | $0 | 3.82% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 7 | $142,815,000 | $20,402,143 | $0 | 4.45% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $140,010,000 | $70,005,000 | $0 | 4.02% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $138,230,000 | $34,557,500 | $0 | 3.90% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 6 | $133,720,000 | $22,286,667 | $0 | 3.68% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $131,830,000 | $32,957,500 | $0 | 4.33% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $126,705,000 | $42,235,000 | $0 | 3.70% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 4 | $117,850,000 | $29,462,500 | $0 | 4.14% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $105,870,000 | $26,467,500 | $0 | 4.12% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 6 | $105,670,000 | $17,611,667 | $0 | 3.80% |
| TULSA, OK (FHA|USDA|VA) | 3 | $90,705,000 | $30,235,000 | $0 | 3.84% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $85,605,000 | $28,535,000 | $0 | 3.80% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 4 | $85,400,000 | $21,350,000 | $0 | 4.82% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $83,710,000 | $20,927,500 | $0 | 4.19% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $82,955,000 | $27,651,667 | $0 | 4.09% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $76,905,000 | $25,635,000 | $0 | 4.05% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $70,235,000 | $14,047,000 | $0 | 4.57% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $56,425,000 | $56,425,000 | $0 | 4.46% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $53,590,000 | $26,795,000 | $0 | 4.33% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $46,720,000 | $23,360,000 | $0 | 4.51% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $41,200,000 | $20,600,000 | $0 | 3.52% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $36,005,000 | $36,005,000 | $0 | 3.64% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $34,235,000 | $34,235,000 | $0 | 3.65% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $29,260,000 | $14,630,000 | $0 | 4.26% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $28,165,000 | $28,165,000 | $0 | 3.77% |
| LYNCHBURG, VA (FHA|USDA|VA) | 3 | $25,755,000 | $8,585,000 | $0 | 4.60% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $24,405,000 | $24,405,000 | $0 | 4.15% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $24,325,000 | $24,325,000 | $0 | 5.52% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $23,505,000 | $23,505,000 | $0 | 3.68% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $22,020,000 | $11,010,000 | $0 | 3.68% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $21,825,000 | $21,825,000 | $0 | 3.61% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $19,060,000 | $9,530,000 | $0 | 3.64% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $19,005,000 | $19,005,000 | $0 | 3.94% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $17,880,000 | $8,940,000 | $0 | 3.31% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $16,105,000 | $16,105,000 | $0 | 3.97% |
| Kingsville, TX (FHA|USDA|VA) | 1 | $15,825,000 | $15,825,000 | $0 | 4.47% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $15,400,000 | $7,700,000 | $0 | 4.75% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $15,310,000 | $7,655,000 | $0 | 5.09% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $13,785,000 | $13,785,000 | $0 | 4.23% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $12,845,000 | $12,845,000 | $0 | 4.01% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $11,665,000 | $11,665,000 | $0 | 4.38% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $10,385,000 | $10,385,000 | $0 | 4.39% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $9,930,000 | $4,965,000 | $0 | 4.80% |
| Edwards, CO (FHA|USDA|VA) | 1 | $9,805,000 | $9,805,000 | $0 | 3.74% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $9,430,000 | $4,715,000 | $0 | 4.34% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $8,095,000 | $8,095,000 | $0 | 3.84% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $8,085,000 | $8,085,000 | $0 | 4.70% |
| Tifton, GA (FHA|USDA|VA) | 2 | $7,910,000 | $3,955,000 | $0 | 4.49% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $6,505,000 | $6,505,000 | $0 | 4.43% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $6,465,000 | $6,465,000 | $0 | 4.22% |
| WACO, TX (FHA|USDA|VA) | 1 | $5,805,000 | $5,805,000 | $0 | 5.15% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $4,715,000 | $4,715,000 | $0 | 4.16% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $4,635,000 | $4,635,000 | $0 | 4.73% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $4,605,000 | $4,605,000 | $0 | 3.79% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $3,825,000 | $3,825,000 | $0 | 4.49% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $3,465,000 | $3,465,000 | $0 | 5.97% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $2,605,000 | $2,605,000 | $0 | 5.01% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $2,595,000 | $2,595,000 | $0 | 4.49% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $2,465,000 | $2,465,000 | $0 | 4.49% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 165 | $3,712,325,000 | $22,498,939 | $0 | 4.13% |
For 2019, Berkeley Point Capital's most frequently originated type of loan was Conventional, with 165 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 88 | $2,329,920,000 | $26,476,364 | $0 | 4.09% |
| Cash Out Refi | 77 | $1,382,405,000 | $17,953,312 | $0 | 4.18% |
For 2019, Berkeley Point Capital's most frequently cited loan purpose was Home Purchase, with 88 originations. The 2nd most popular reason was Cash Out Refi, with 77 originations.
Loan Duration/Length
For 2019, Berkeley Point Capital's most frequently cited loan duration was 10 Year, with 91 originations. The 2nd most popular length was Other, with 65 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 84 | $2,407,290,000 | $28,658,214 |
| 4-5% | 58 | $1,148,120,000 | $19,795,172 |
| 5-6% | 22 | $154,410,000 | $7,018,636 |
| 6-7% | 1 | $2,505,000 | $2,505,000 |
During 2019, Berkeley Point Capital's average interest rate for loans was 5.46%, while their most frequently originated rate bucket for loans was 3-4%, with 84 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $1MM+ | 165 | $3,712,325,000 | $22,498,939 | $0 | 4.13% |
2019 saw Berkeley Point Capital place emphasis on $1MM+ loans with 165 originations, totaling $3,712,325,000 in origination value.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 165 | $3,712,325,000 | $22,498,939 | $0 | 4.13% |
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 origination43.64%
Berkeley Point Capital has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 165 | $3,712,325,000 | $22,498,939 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Manufactured | 1 | $12,845,000 | $12,845,000 |
| Multifamily:Site-Built | 164 | $3,699,480,000 | $22,557,805 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BARCLAYS BANK DELAWARE | Other type of mortgage | Trouble during payment process | 1 | 100.0% |