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: Louisville, Washington, Columbus, Memphis, and Dallas among others. We have data for 79 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
199Origination Dollar Volume (All Markets)
$5,599,845,000Top 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 |
|---|---|---|---|---|---|
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $835,980,000 | $417,990,000 | $0 | 2.60% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 8 | $374,620,000 | $46,827,500 | $0 | 4.47% |
| COLUMBUS, OH (FHA|USDA|VA) | 11 | $243,775,000 | $22,161,364 | $0 | 3.16% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 5 | $228,285,000 | $45,657,000 | $0 | 5.16% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $206,155,000 | $29,450,714 | $0 | 4.08% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 9 | $194,275,000 | $21,586,111 | $0 | 4.34% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 7 | $175,965,000 | $25,137,857 | $0 | 3.88% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $165,245,000 | $55,081,667 | $0 | 4.70% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $159,305,000 | $53,101,667 | $0 | 4.22% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $140,605,000 | $46,868,333 | $0 | 4.18% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $137,550,000 | $68,775,000 | $0 | 5.10% |
| TULSA, OK (FHA|USDA|VA) | 5 | $132,505,000 | $26,501,000 | $0 | 5.14% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $129,515,000 | $43,171,667 | $0 | 4.97% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 5 | $121,495,000 | $24,299,000 | $0 | 3.84% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $120,015,000 | $40,005,000 | $0 | 3.91% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 6 | $116,330,000 | $19,388,333 | $0 | 4.60% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 4 | $114,680,000 | $28,670,000 | $0 | 4.60% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $110,485,000 | $36,828,333 | $0 | 3.92% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $105,345,000 | $35,115,000 | $0 | 4.51% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $92,590,000 | $46,295,000 | $0 | 4.39% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 7 | $84,825,000 | $12,117,857 | $0 | 4.61% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 2 | $83,810,000 | $41,905,000 | $0 | 2.88% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 4 | $70,650,000 | $17,662,500 | $0 | 4.44% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 7 | $68,565,000 | $9,795,000 | $0 | 4.89% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $67,560,000 | $33,780,000 | $0 | 4.37% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $62,435,000 | $62,435,000 | $0 | 4.73% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 4 | $59,660,000 | $14,915,000 | $0 | 4.67% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $55,120,000 | $27,560,000 | $0 | 4.68% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $55,005,000 | $55,005,000 | $0 | 2.65% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $51,160,000 | $25,580,000 | $0 | 3.89% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $48,960,000 | $24,480,000 | $0 | 3.73% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $46,560,000 | $23,280,000 | $0 | 3.78% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $46,265,000 | $15,421,667 | $0 | 4.33% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $44,485,000 | $44,485,000 | $0 | 3.76% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 6 | $44,410,000 | $7,401,667 | $0 | 3.69% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $43,220,000 | $21,610,000 | $0 | 4.51% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $41,895,000 | $41,895,000 | $0 | 2.81% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $39,955,000 | $39,955,000 | $0 | 5.30% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $38,095,000 | $38,095,000 | $0 | 5.14% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $37,890,000 | $18,945,000 | $0 | 4.71% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $36,005,000 | $36,005,000 | $0 | 3.64% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 3 | $35,865,000 | $11,955,000 | $0 | 4.07% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $34,595,000 | $34,595,000 | $0 | 4.49% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $34,180,000 | $17,090,000 | $0 | 3.94% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $33,535,000 | $33,535,000 | $0 | 4.71% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $31,905,000 | $31,905,000 | $0 | 2.59% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $31,100,000 | $15,550,000 | $0 | 3.71% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $29,780,000 | $14,890,000 | $0 | 3.56% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $29,085,000 | $29,085,000 | $0 | 3.05% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $23,090,000 | $5,772,500 | $0 | 3.69% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $22,235,000 | $22,235,000 | $0 | 4.38% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $22,005,000 | $22,005,000 | $0 | 5.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $20,445,000 | $20,445,000 | $0 | 5.45% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $17,845,000 | $17,845,000 | $0 | 3.66% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $17,555,000 | $17,555,000 | $0 | 3.06% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $15,135,000 | $15,135,000 | $0 | 5.69% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $14,885,000 | $14,885,000 | $0 | 5.00% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $13,435,000 | $13,435,000 | $0 | 4.34% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $12,865,000 | $12,865,000 | $0 | 4.71% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $11,105,000 | $11,105,000 | $0 | 4.12% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $10,895,000 | $10,895,000 | $0 | 3.99% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $9,755,000 | $9,755,000 | $0 | 5.13% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $9,430,000 | $4,715,000 | $0 | 4.16% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $8,245,000 | $8,245,000 | $0 | 6.23% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $8,105,000 | $8,105,000 | $0 | 5.11% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $7,210,000 | $3,605,000 | $0 | 4.15% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $7,025,000 | $7,025,000 | $0 | 5.56% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $6,790,000 | $1,697,500 | $0 | 6.97% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $6,425,000 | $6,425,000 | $0 | 4.66% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $6,105,000 | $6,105,000 | $0 | 4.38% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $5,515,000 | $5,515,000 | $0 | 4.13% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $5,165,000 | $5,165,000 | $0 | 5.70% |
| Cullman, AL (FHA|USDA|VA) | 1 | $4,965,000 | $4,965,000 | $0 | 4.13% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $4,805,000 | $4,805,000 | $0 | 4.49% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $4,635,000 | $4,635,000 | $0 | 4.73% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $4,005,000 | $4,005,000 | $0 | 4.33% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $3,205,000 | $3,205,000 | $0 | 6.64% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $0 | 7.07% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $2,665,000 | $2,665,000 | $0 | 6.62% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 199 | $5,599,845,000 | $28,139,925 | $0 | 4.35% |
For 2022, Berkeley Point Capital's most frequently originated type of loan was Conventional, with 199 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 105 | $3,558,805,000 | $33,893,381 | $0 | 4.10% |
| Cash Out Refi | 94 | $2,041,040,000 | $21,713,191 | $0 | 4.63% |
For 2022, Berkeley Point Capital's most frequently cited loan purpose was Home Purchase, with 105 originations. The 2nd most popular reason was Cash Out Refi, with 94 originations.
Loan Duration/Length
For 2022, Berkeley Point Capital's most frequently cited loan duration was 10 Year, with 146 originations. The 2nd most popular length was Other, with 50 originations.
Interest Rates
During 2022, Berkeley Point Capital's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 4-5%, with 91 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $1MM+ | 198 | $5,599,490,000 | $28,280,253 | $0 | 4.34% |
| $200k-400k | 1 | $355,000 | $355,000 | $0 | 5.92% |
2022 saw Berkeley Point Capital place emphasis on $1MM+ loans with 198 originations, totaling $5,599,490,000 in origination value.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 199 | $5,599,845,000 | $28,139,925 | $0 | 4.35% |
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 origination81.41%
Berkeley Point Capital has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 199 | $5,599,845,000 | $28,139,925 |