Bridgelock Capital dba Peak Finance Company Mortgage Lending & HMDA Data, 2007
In 2007, Bridgelock Capital dba Peak Finance Company of Woodland Hills, CA reported 809 mortgage applications totaling $281.3 million. The average application was for $347,699, and applicants reported an average income of $180,134. 15% of its applications resulted in an originated loan and 59% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (224), Riverside-San Bernardino-Ontario, CA (151) and Oakland-Fremont-Hayward, CA (45) (applications in parentheses).
| Mortgage Company & Address | Bridgelock Capital dba Peak Finance Company 5900 Canoga Avenue Suite 200 Woodland Hills, CA 91367 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 2022 2021 2020 2019 2018 2017 2016 2008 2007 |
| Total Number of Mortgage Applications | 809 |
| Total Mortgage Loan Application Amount | $281,289,000 |
| Average Mortgage Loan Application Amount | $347,699 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $180,134 |
| Highest Applicant Income | $5,796,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bridgelock Capital dba Peak Finance Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 224 | $ 86,550,000 | $ 386,383 | $ 211,000 |
| Riverside-San Bernardino-Ontario, CA | 151 | $ 34,155,000 | $ 226,192 | $ 116,000 |
| Oakland-Fremont-Hayward, CA | 45 | $ 17,636,000 | $ 391,911 | $ 177,000 |
| Santa Ana-Anaheim-Irvine, CA | 45 | $ 16,731,000 | $ 371,800 | $ 172,000 |
| Phoenix-Mesa-Scottsdale, AZ | 29 | $ 7,140,000 | $ 246,206 | $ 96,000 |
| San Diego-Carlsbad-San Marcos, CA | 27 | $ 12,887,000 | $ 477,296 | $ 272,000 |
| San Francisco-San Mateo-Redwood City, CA | 23 | $ 13,669,000 | $ 594,304 | $ 322,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 21 | $ 4,468,000 | $ 212,761 | $ 126,000 |
| Bakersfield, CA | 19 | $ 2,809,000 | $ 147,842 | $ 82,000 |
| Honolulu, HI | 17 | $ 6,843,000 | $ 402,529 | $ 261,000 |
| Las Vegas-Paradise, NV | 17 | $ 7,015,000 | $ 412,647 | $ 333,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 15 | $ 4,442,000 | $ 296,133 | $ 131,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 12 | $ 7,717,000 | $ 643,083 | $ 326,000 |
| Fresno, CA | 11 | $ 1,944,000 | $ 176,727 | $ 98,000 |
| Stockton, CA | 11 | $ 3,343,000 | $ 303,909 | $ 116,000 |
| Visalia-Porterville, CA | 11 | $ 1,921,000 | $ 174,636 | $ 96,000 |
| Modesto, CA | 9 | $ 1,934,000 | $ 214,888 | $ 64,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 9 | $ 6,099,000 | $ 677,666 | $ 291,000 |
| Portland-Vancouver-Beaverton, OR-WA | 8 | $ 1,726,000 | $ 215,750 | $ 130,000 |
| Vallejo-Fairfield, CA | 6 | $ 1,411,000 | $ 235,166 | $ 79,000 |
| Salt Lake City, UT | 5 | $ 3,670,000 | $ 734,000 | $ 420,000 |
| St. George, UT | 4 | $ 640,000 | $ 160,000 | $ 61,000 |
| Boise City-Nampa, ID | 3 | $ 559,000 | $ 186,333 | $ 79,000 |
| Chico, CA | 3 | $ 430,000 | $ 143,333 | $ 70,000 |
| Merced, CA | 3 | $ 1,511,000 | $ 503,666 | $ 172,000 |
| Ogden-Clearfield, UT | 3 | $ 1,367,000 | $ 455,666 | $ 216,000 |
| Provo-Orem, UT | 3 | $ 329,000 | $ 109,666 | $ 95,000 |
| Salinas, CA | 3 | $ 1,398,000 | $ 466,000 | $ 267,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 870,000 | $ 290,000 | $ 107,000 |
| Denver-Aurora, CO | 2 | $ 186,000 | $ 93,000 | $ 47,000 |
| El Centro, CA | 2 | $ 204,000 | $ 102,000 | $ 63,000 |
| Napa, CA | 2 | $ 1,790,000 | $ 895,000 | $ 432,000 |
| Reno-Sparks, NV | 2 | $ 533,000 | $ 266,500 | $ 357,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 708,000 | $ 354,000 | $ 170,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 3,055,000 | $ 3,055,000 | $ 1,044,000 |
| Boulder, CO | 1 | $ 504,000 | $ 504,000 | $ 145,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 235,000 | $ 235,000 | $ 65,000 |
| Coeur D'Alene, ID | 1 | $ 130,000 | $ 130,000 | $ 48,000 |
| Flagstaff, AZ | 1 | $ 174,000 | $ 174,000 | $ 55,000 |
| Greeley, CO | 1 | $ 104,000 | $ 104,000 | $ 63,000 |
| Jacksonville, FL | 1 | $ 878,000 | $ 878,000 | $ 324,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 107,000 | $ 107,000 | $ 40,000 |
| Madera, CA | 1 | $ 176,000 | $ 176,000 | $ 96,000 |
| Philadelphia, PA | 1 | $ 630,000 | $ 630,000 | $ 228,000 |
| Redding, CA | 1 | $ 137,000 | $ 137,000 | $ 66,000 |
| Salem, OR | 1 | $ 420,000 | $ 420,000 | $ 151,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 520,000 | $ 520,000 | $ 496,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 350,000 | $ 350,000 | $ 135,000 |
| Tucson, AZ | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| Yuba City, CA | 1 | $ 130,000 | $ 130,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Bridgelock Capital dba Peak Finance Company in 2007
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 |
|---|---|---|---|---|---|---|
| Refinancing | 693 | $235,743,000 | $340,000 | $4,500,000 | $163,000 | $4,097,000 |
| Home Improvement | 58 | $11,816,000 | $203,000 | $1,500,000 | $135,000 | $1,691,000 |
| Home Purchase | 58 | $33,730,000 | $581,000 | $3,130,000 | $430,000 | $5,796,000 |
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 Provided | 256 | $96,197,000 | $375,000 | $4,200,000 | $173,000 | $1,260,000 |
| White | 233 | $100,405,000 | $430,000 | $4,500,000 | $234,000 | $4,097,000 |
| Hispanic | 189 | $43,459,000 | $229,000 | $1,800,000 | $108,000 | $1,800,000 |
| Black or African American | 86 | $27,240,000 | $316,000 | $3,055,000 | $215,000 | $5,796,000 |
| Asian | 24 | $8,754,000 | $364,000 | $845,000 | $200,000 | $720,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $4,091,000 | $240,000 | $475,000 | $133,000 | $421,000 |
| American Indian or Alaskan Native | 4 | $1,143,000 | $285,000 | $610,000 | $118,000 | $180,000 |
| Not applicable | 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) | 809 | $281,289,000 | $347,000 | $4,500,000 | $180,000 | $5,796,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 475 | $169,644,000 | $357,000 | $4,500,000 | $188,000 | $4,097,000 |
| Application Withdrawn By Applicant | 212 | $82,287,000 | $388,000 | $3,130,000 | $202,000 | $5,796,000 |
| Loan Originated | 120 | $28,866,000 | $240,000 | $1,700,000 | $107,000 | $1,000,000 |
| File Closed For Incompleteness | 2 | $492,000 | $246,000 | $364,000 | $240,000 | $421,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 274 | $104,482,000 | $381,000 | $4,500,000 | $217,000 | $4,097,000 |
| Other | 105 | $35,977,000 | $342,000 | $3,510,000 | $158,000 | $1,312,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 73 | $21,707,000 | $297,000 | $1,836,000 | $145,000 | $864,000 |
| Debt-To-Income Ratio | 12 | $3,980,000 | $331,000 | $1,075,000 | $139,000 | $501,000 |
| Credit History | 5 | $1,116,000 | $223,000 | $355,000 | $76,000 | $154,000 |
| Unverifiable Information | 4 | $1,971,000 | $492,000 | $1,400,000 | $163,000 | $480,000 |
| Credit Application Incomplete | 1 | $161,000 | $161,000 | $161,000 | $66,000 | $66,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bridgelock Capital dba Peak Finance Company's 2007 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 Bridgelock Capital dba Peak Finance Company'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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