Pivotal Capital Group Ii Mortgage Rates, Fees & Info

Wilmington, DE

LEI: 254900QPQ7RHWVUGYW23

Tax ID: 46-4124053

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Mortgage Data

Review & Overview

Pivotal Capital Group Ii is a smaller mortgage company specializing in Home Improvement and Home Purchase loans. Pivotal Capital Group Ii has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, San Francisco, Sacramento, Riverside, and Santa Rosa among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

Pivotal Capital Group Ii has an 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

29

Origination Dollar Volume (All Markets)

$15,765,000

Top 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
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 16 $10,820,000 $676,250 $0 0.00%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $1,575,000 $525,000 $0 0.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $1,140,000 $285,000 $0 0.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $975,000 $325,000 $0 0.00%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $625,000 $625,000 $0 0.00%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $345,000 $345,000 $0 0.00%
VALLEJO, CA (FHA|USDA|VA) 1 $285,000 $285,000 $0 0.00%
Pivotal Capital Group Ii's top markets include Los Angeles, San Francisco, Sacramento, Riverside, and Santa Rosa among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 29 $15,765,000 $543,621 $0 0.00%

    For 2023, Pivotal Capital Group Ii's most frequently originated type of loan was Conventional, with 29 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 18 $10,390,000 $577,222 $0 0.00%
    Home Purchase 10 $5,020,000 $502,000 $0 0.00%
    Cash Out Refi 1 $355,000 $355,000 $0 0.00%

    For 2023, Pivotal Capital Group Ii's most frequently cited loan purpose was Home Improvement, with 18 originations. The 2nd most popular reason was Home Purchase, with 10 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 20 $10,630,000 $531,500 $0 0.00%
    1 Year 9 $5,135,000 $570,556 $0 0.00%

    For 2023, Pivotal Capital Group Ii's most frequently cited loan duration was Other, with 20 originations. The 2nd most popular length was 1 Year, with 9 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $600k-1MM 10 $7,370,000 $737,000 $0 0.00%
    $200k-400k 9 $2,775,000 $308,333 $0 0.00%
    $400k-600k 7 $3,295,000 $470,714 $0 0.00%
    $1MM+ 2 $2,130,000 $1,065,000 $0 0.00%
    $100k-200k 1 $195,000 $195,000 $0 0.00%

    2023 saw Pivotal Capital Group Ii place emphasis on $600k-1MM loans with 10 originations, totaling $7,370,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 29 $15,765,000 $543,621 $0 0.00%

    Approval Rates

    Total approvals of all applications
    82.72%

    Pivotal Capital Group Ii has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    -31.03%

    Pivotal Capital Group Ii 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 29 $15,765,000 $543,621

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    29 $15,765,000 $543,621

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    40-60% 1 $355,000 $355,000 $0 0.00%
    60-80% 25 $13,035,000 $521,400 $0 0.00%
    80-100% 3 $2,375,000 $791,667 $0 0.00%