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: Atlanta, Riverside, Richmond, Denver, and Stockton among others. We have data for 86 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.
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Originations
272Origination Dollar Volume (All Markets)
$6,655,250,000Top 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 |
|---|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 12 | $584,200,000 | $48,683,333 | $0 | 3.40% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $421,495,000 | $140,498,333 | $0 | 2.63% |
| RICHMOND, VA (FHA|USDA|VA) | 7 | $275,305,000 | $39,329,286 | $0 | 3.29% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $268,625,000 | $38,375,000 | $0 | 3.05% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $265,695,000 | $88,565,000 | $0 | 3.35% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 28 | $264,980,000 | $9,463,571 | $0 | 2.71% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 10 | $264,410,000 | $26,441,000 | $0 | 3.23% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 7 | $263,925,000 | $37,703,571 | $0 | 2.99% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $243,930,000 | $30,491,250 | $0 | 3.06% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $216,285,000 | $30,897,857 | $0 | 3.04% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 7 | $191,385,000 | $27,340,714 | $0 | 2.89% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 7 | $191,295,000 | $27,327,857 | $0 | 3.82% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 10 | $139,060,000 | $13,906,000 | $0 | 3.27% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 6 | $137,650,000 | $22,941,667 | $0 | 3.06% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 4 | $134,350,000 | $33,587,500 | $0 | 2.92% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $124,310,000 | $62,155,000 | $0 | 2.74% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $118,555,000 | $23,711,000 | $0 | 4.08% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $106,255,000 | $35,418,333 | $0 | 2.85% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 5 | $102,615,000 | $20,523,000 | $0 | 3.19% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $102,010,000 | $25,502,500 | $0 | 3.57% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 7 | $101,095,000 | $14,442,143 | $0 | 3.54% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $97,005,000 | $97,005,000 | $0 | 2.96% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $96,360,000 | $24,090,000 | $0 | 2.97% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 4 | $81,100,000 | $20,275,000 | $0 | 2.77% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 7 | $79,485,000 | $11,355,000 | $0 | 3.06% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $73,720,000 | $36,860,000 | $0 | 3.10% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $73,520,000 | $36,760,000 | $0 | 2.19% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $72,800,000 | $36,400,000 | $0 | 2.77% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $69,710,000 | $34,855,000 | $0 | 3.67% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $68,405,000 | $22,801,667 | $0 | 2.85% |
| RENO, NV (FHA|USDA|VA) | 1 | $67,905,000 | $67,905,000 | $0 | 2.89% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $67,300,000 | $16,825,000 | $0 | 4.15% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $63,540,000 | $31,770,000 | $0 | 3.20% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $62,690,000 | $31,345,000 | $0 | 3.46% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $58,280,000 | $29,140,000 | $0 | 3.28% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $58,060,000 | $14,515,000 | $0 | 4.20% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 7 | $52,745,000 | $7,535,000 | $0 | 3.05% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $49,970,000 | $24,985,000 | $0 | 3.33% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $49,590,000 | $24,795,000 | $0 | 3.81% |
| TULSA, OK (FHA|USDA|VA) | 3 | $46,695,000 | $15,565,000 | $0 | 3.08% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $46,325,000 | $15,441,667 | $0 | 3.86% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $44,510,000 | $22,255,000 | $0 | 3.19% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $40,465,000 | $40,465,000 | $0 | 3.34% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $39,005,000 | $39,005,000 | $0 | 3.07% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $35,975,000 | $35,975,000 | $0 | 2.79% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $34,005,000 | $34,005,000 | $0 | 3.02% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $33,005,000 | $33,005,000 | $0 | 3.48% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $32,815,000 | $32,815,000 | $0 | 3.93% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $31,475,000 | $31,475,000 | $0 | 4.08% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $31,005,000 | $31,005,000 | $0 | 3.37% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $30,890,000 | $15,445,000 | $0 | 2.31% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $29,125,000 | $29,125,000 | $0 | 1.94% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $28,895,000 | $28,895,000 | $0 | 3.22% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $25,570,000 | $12,785,000 | $0 | 2.83% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $25,340,000 | $12,670,000 | $0 | 4.69% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $23,795,000 | $23,795,000 | $0 | 2.73% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $21,885,000 | $7,295,000 | $0 | 3.78% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $20,805,000 | $20,805,000 | $0 | 2.72% |
| JACKSON, MS (FHA|USDA|VA) | 4 | $20,400,000 | $5,100,000 | $0 | 3.59% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $18,990,000 | $9,495,000 | $0 | 3.46% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $18,600,000 | $9,300,000 | $0 | 3.98% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $17,775,000 | $17,775,000 | $0 | 3.81% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $16,685,000 | $16,685,000 | $0 | 3.24% |
| NILES, MI (FHA|USDA|VA) | 3 | $16,375,000 | $5,458,333 | $0 | 3.25% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $15,755,000 | $15,755,000 | $0 | 2.65% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $14,555,000 | $14,555,000 | $0 | 3.07% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $13,505,000 | $13,505,000 | $0 | 3.37% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $13,215,000 | $13,215,000 | $0 | 3.38% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $12,300,000 | $6,150,000 | $0 | 4.36% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $12,005,000 | $12,005,000 | $0 | 3.49% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $11,715,000 | $11,715,000 | $0 | 3.44% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $10,005,000 | $10,005,000 | $0 | 2.67% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $8,600,000 | $4,300,000 | $0 | 3.46% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $7,625,000 | $7,625,000 | $0 | 3.47% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $7,325,000 | $7,325,000 | $0 | 3.15% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $6,105,000 | $6,105,000 | $0 | 3.48% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $5,595,000 | $5,595,000 | $0 | 3.39% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $4,485,000 | $4,485,000 | $0 | 3.44% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $4,225,000 | $4,225,000 | $0 | 3.41% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $4,000,000 | $2,000,000 | $0 | 5.78% |
| Natchez, MS-LA (FHA|USDA|VA) | 1 | $3,655,000 | $3,655,000 | $0 | 4.00% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $3,175,000 | $3,175,000 | $0 | 3.50% |
| Outside of Metro Areas | 1 | $2,315,000 | $2,315,000 | $0 | 3.72% |
| OCALA, FL (FHA|USDA|VA) | 1 | $2,055,000 | $2,055,000 | $0 | 6.21% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $1,625,000 | $1,625,000 | $0 | 5.08% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $1,385,000 | $1,385,000 | $0 | 3.42% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 272 | $6,655,250,000 | $24,467,831 | $0 | 3.26% |
For 2020, Berkeley Point Capital's most frequently originated type of loan was Conventional, with 272 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Cash Out Refi | 164 | $3,344,800,000 | $20,395,122 | $0 | 3.16% |
| Home Purchase | 108 | $3,310,450,000 | $30,652,315 | $0 | 3.40% |
For 2020, Berkeley Point Capital's most frequently cited loan purpose was Cash Out Refi, with 164 originations. The 2nd most popular reason was Home Purchase, with 108 originations.
Loan Duration/Length
For 2020, Berkeley Point Capital's most frequently cited loan duration was 10 Year, with 176 originations. The 2nd most popular length was Other, with 63 originations.
Interest Rates
During 2020, Berkeley Point Capital's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 3-4%, with 127 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $1MM+ | 272 | $6,655,250,000 | $24,467,831 | $0 | 3.26% |
2020 saw Berkeley Point Capital place emphasis on $1MM+ loans with 272 originations, totaling $6,655,250,000 in origination value.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 272 | $6,655,250,000 | $24,467,831 | $0 | 3.26% |
Approval Rates
Total approvals of all applications98.97%
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 origination59.19%
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 | 272 | $6,655,250,000 | $24,467,831 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Manufactured | 8 | $46,040,000 | $5,755,000 |
| Multifamily:Site-Built | 264 | $6,609,210,000 | $25,034,886 |