Berkeley Point Capital at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
81st1.2% deniedProcesswithdrawn + incomplete share, weight 15%
27th10.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 153 | 141 | 0.0% | 0.0% | 5.58% | $3.6B |
| 2024 | 257 | 243 | 1.2% | 1.2% | 5.59% | $5.5B |
| 2025 | 361 | 317 | 1.1% | 1.2% | 5.23% | $9.6B |
What Berkeley Point Capital lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 29 manufactured homes, 361 investment properties.
Why Berkeley Point Capital denies applications
Primary reason reported for each of the 4 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Where Berkeley Point Capital lends
40 states and 169 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| North Carolina | 42 | 41 | 0.0% | 5.16% | #423 |
| Florida | 39 | 38 | 0.0% | 5.23% | #637 |
| Texas | 36 | 25 | 2.8% | 5.13% | #760 |
| Virginia | 31 | 30 | 0.0% | 4.32% | #439 |
| California | 30 | 21 | 0.0% | 5.47% | #593 |
| Georgia | 29 | 28 | 0.0% | 5.17% | #525 |
| Nevada | 15 | 15 | 0.0% | 5.10% | #290 |
| New York | 13 | 10 | 0.0% | 5.35% | #445 |
| Washington | 13 | 11 | 0.0% | 5.78% | #434 |
| Oklahoma | 11 | 10 | 0.0% | 5.33% | #392 |
| Pennsylvania | 11 | 10 | 9.1% | 5.30% | #682 |
| Colorado | 8 | 7 | 0.0% | 4.91% | #530 |
| Ohio | 8 | 7 | 0.0% | 5.53% | #649 |
| Alabama | 7 | 4 | 28.6% | 5.49% | #523 |
| Tennessee | 7 | 5 | 0.0% | 5.31% | #674 |
| South Carolina | 6 | 6 | 0.0% | 5.21% | #608 |
| Massachusetts | 5 | 5 | 0.0% | 5.09% | #525 |
Frequently asked questions
Berkeley Point Capital denied 1.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 81st percentile of investment-property lenders.
The most common reason Berkeley Point Capital gave in 2025 was "collateral", cited on 75.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Berkeley Point Capital originated in 2025 was 5.23%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 55% of its applications were for home purchases, 45% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.