Berkeley Point Capital in Alabama vs the state
28.6%Denial rate+8.72 pts vs state
33.3%Decision denial rate+8.33 pts vs state
57.1%Origination rate+1.75 pts vs state
5.49%Median rate-1.01 pts vs state
—Rate spread (pts)
—Median applicant income
4Loans originated
2Denied
What Berkeley Point Capital lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Berkeley Point Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 2 | 1 | 0 | 0.0% |
| Shelby County | 2 | 1 | 1 | 50.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 1 | 100.0% |
| Elmore County | 1 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 7 applications in 2025, of which 4 were originated and 2 denied.
28.6% of all applications, or 33.3% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Berkeley Point Capital originated in Alabama in 2025 was 5.49%, against a statewide median of 6.50%.
About this data. Figures are Berkeley Point Capital's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology