Pivotal Capital Group II, LLC Mortgage Lending & HMDA Data, 2019
In 2019, Pivotal Capital Group II, LLC of Wilmington, DE reported 247 mortgage applications totaling $195.6 million, down 29% from 2018. The average application was for $791,801, and applicants reported an average income of $165,247. 57% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (94), Oakland-Hayward-Berkeley, CA (35) and Riverside-San Bernardino-Ontario, CA (27) (applications in parentheses).
| Mortgage Company & Address | Pivotal Capital Group II, LLC 111 Corporate Drive, Suite 270 Wilmington, DE 92694 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 247 |
| Total Mortgage Loan Application Amount | $195,575,000 |
| Average Mortgage Loan Application Amount | $791,801 |
| Highest Mortgage Loan Application Amount | $14,505,000 |
| Average Applicant Income | $165,247 |
| Highest Applicant Income | $420,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pivotal Capital Group II, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 94 | $ 76,010,000 | $ 808,617 | $ 122,000 |
| San Diego, California | 25 | $ 13,965,000 | $ 558,600 | $ 252,000 |
| Orange, California | 22 | $ 35,610,000 | $ 1,618,636 | $ 65,000 |
| Contra Costa, California | 19 | $ 8,105,000 | $ 426,578 | $ 242,000 |
| Santa Clara, California | 17 | $ 21,535,000 | $ 1,266,764 | $ 400,000 |
| Alameda, California | 16 | $ 10,910,000 | $ 681,875 | $ 239,000 |
| Riverside, California | 16 | $ 4,330,000 | $ 270,625 | $ 45,000 |
| San Bernardino, California | 11 | $ 2,495,000 | $ 226,818 | $ 45,000 |
| Solano, California | 5 | $ 1,525,000 | $ 305,000 | $ 0 |
| Marin, California | 4 | $ 4,250,000 | $ 1,062,500 | $ 0 |
| San Francisco, California | 4 | $ 5,020,000 | $ 1,255,000 | $ 0 |
| San Luis Obispo, California | 3 | $ 1,425,000 | $ 475,000 | $ 0 |
| San Mateo, California | 3 | $ 4,235,000 | $ 1,411,666 | $ 370,000 |
| Monterey, California | 2 | $ 1,630,000 | $ 815,000 | $ 0 |
| Santa Cruz, California | 2 | $ 1,610,000 | $ 805,000 | $ 0 |
| Sonoma, California | 2 | $ 1,230,000 | $ 615,000 | $ 0 |
| Napa, California | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Ventura, California | 1 | $ 745,000 | $ 745,000 | $ 0 |
Mortgage Loan Application Detail Totals for Pivotal Capital Group II, LLC in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 114 | $90,700,000 | $795,000 | $5,415,000 | $118,000 | $217,000 |
| Home Purchase | 112 | $60,790,000 | $542,000 | $3,495,000 | $221,000 | $420,000 |
| Cash-out Refinancing | 13 | $22,225,000 | $1,709,000 | $10,385,000 | $0 | $0 |
| Refinancing | 8 | $21,860,000 | $2,732,000 | $14,505,000 | $58,000 | $58,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 225 | $184,285,000 | $819,000 | $14,505,000 | $0 | $0 |
| Hispanic | 9 | $3,215,000 | $357,000 | $485,000 | $90,000 | $175,000 |
| White | 5 | $2,355,000 | $471,000 | $975,000 | $231,000 | $420,000 |
| Not Provided | 2 | $1,030,000 | $515,000 | $575,000 | $83,000 | $108,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $365,000 | $365,000 | $365,000 | $0 | $0 |
| Asian | 1 | $1,575,000 | $1,575,000 | $1,575,000 | $121,000 | $121,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 247 | $195,575,000 | $791,000 | $14,505,000 | $179,000 | $420,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 141 | $110,915,000 | $786,000 | $14,505,000 | $120,000 | $370,000 |
| Application Withdrawn By Applicant | 54 | $49,640,000 | $919,000 | $5,415,000 | $303,000 | $420,000 |
| Application Approved But Not Accepted | 32 | $19,910,000 | $622,000 | $1,575,000 | $209,000 | $400,000 |
| Application Denied By Financial Institution | 12 | $7,760,000 | $646,000 | $1,925,000 | $0 | $0 |
| File Closed For Incompleteness | 8 | $7,350,000 | $918,000 | $1,805,000 | $175,000 | $175,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 235 | $187,815,000 | $799,000 | $14,505,000 | $179,000 | $420,000 |
| Collateral | 10 | $6,130,000 | $613,000 | $1,925,000 | $0 | $0 |
| Credit History | 1 | $915,000 | $915,000 | $915,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $715,000 | $715,000 | $715,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pivotal Capital Group II, LLC's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Pivotal Capital Group II, LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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