W. J. Bradley Mortgage Capital Mortgage Lending & HMDA Data, 2015
In 2015, W. J. Bradley Mortgage Capital of Centennial, CO reported 13,074 mortgage applications totaling $3.9 billion, up 12% from 2014. The average application was for $294,496, and applicants reported an average income of $100,774. 67% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Las Vegas-Henderson-Paradise, NV (2,256), San Diego-Carlsbad, CA (1,485) and Minneapolis-St. Paul-Bloomington, MN-WI (853) (applications in parentheses).
| Mortgage Company & Address | W. J. Bradley Mortgage Capital 6465 Greenwood Plaza Blvd, Suite 500 Centennial, CO 80111 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 13,074 |
| Total Mortgage Loan Application Amount | $3,850,252,000 |
| Average Mortgage Loan Application Amount | $294,496 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $100,774 |
| Highest Applicant Income | $3,436,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records W. J. Bradley Mortgage Capital filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Las Vegas-Henderson-Paradise, NV | 2,256 | $ 467,562,000 | $ 207,252 | $ 71,000 |
| San Diego-Carlsbad, CA | 1,485 | $ 585,396,000 | $ 394,206 | $ 121,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 853 | $ 190,802,000 | $ 223,683 | $ 80,856 |
| Chicago-Naperville-Arlington Heights, IL | 614 | $ 121,396,000 | $ 197,713 | $ 84,000 |
| Riverside-San Bernardino-Ontario, CA | 577 | $ 166,811,000 | $ 289,100 | $ 89,000 |
| Oakland-Hayward-Berkeley, CA | 495 | $ 207,199,000 | $ 418,583 | $ 120,000 |
| San Francisco-Redwood City-South San Francisco, CA | 478 | $ 266,806,000 | $ 558,171 | $ 153,000 |
| Los Angeles-Long Beach-Glendale, CA | 433 | $ 206,935,000 | $ 477,909 | $ 153,000 |
| Naples-Immokalee-Marco Island, FL | 390 | $ 95,191,000 | $ 244,079 | $ 86,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 386 | $ 204,081,000 | $ 528,707 | $ 170,000 |
| Denver-Aurora-Lakewood, CO | 369 | $ 100,897,000 | $ 273,433 | $ 105,000 |
| Cape Coral-Fort Myers, FL | 315 | $ 51,532,000 | $ 163,593 | $ 62,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 294 | $ 92,238,000 | $ 313,734 | $ 118,000 |
| Salinas, CA | 293 | $ 82,948,000 | $ 283,098 | $ 78,000 |
| Phoenix-Mesa-Scottsdale, AZ | 239 | $ 46,475,000 | $ 194,456 | $ 67,000 |
| Homosassa Springs, FL | 213 | $ 26,983,000 | $ 126,680 | $ 60,000 |
| Dallas-Plano-Irving, TX | 211 | $ 47,528,000 | $ 225,251 | $ 115,000 |
| Anaheim-Santa Ana-Irvine, CA | 198 | $ 102,117,000 | $ 515,742 | $ 154,000 |
| Santa Rosa, CA | 198 | $ 70,925,000 | $ 358,207 | $ 121,000 |
| Reno, NV | 152 | $ 54,520,000 | $ 358,684 | $ 163,000 |
| Madera, CA | 150 | $ 31,521,000 | $ 210,140 | $ 88,000 |
| Salt Lake City, UT | 129 | $ 29,199,000 | $ 226,348 | $ 64,000 |
| Lake County-Kenosha County, IL-WI | 127 | $ 23,771,000 | $ 187,173 | $ 87,897 |
| Colorado Springs, CO | 102 | $ 26,761,000 | $ 262,362 | $ 80,000 |
| Stockton-Lodi, CA | 74 | $ 18,209,000 | $ 246,067 | $ 69,000 |
| Modesto, CA | 65 | $ 14,184,000 | $ 218,215 | $ 83,000 |
| Fort Worth-Arlington, TX | 63 | $ 11,344,000 | $ 180,063 | $ 104,000 |
| Vallejo-Fairfield, CA | 54 | $ 15,258,000 | $ 282,555 | $ 82,000 |
| Ocala, FL | 53 | $ 6,662,000 | $ 125,698 | $ 48,000 |
| Elgin, IL | 52 | $ 10,432,000 | $ 200,615 | $ 87,000 |
| Ogden-Clearfield, UT | 52 | $ 12,245,000 | $ 235,480 | $ 71,000 |
| Fresno, CA | 47 | $ 9,135,000 | $ 194,361 | $ 75,000 |
| Santa Cruz-Watsonville, CA | 40 | $ 19,068,000 | $ 476,700 | $ 158,000 |
| Miami-Miami Beach-Kendall, FL | 34 | $ 8,094,000 | $ 238,058 | $ 76,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 30 | $ 12,190,000 | $ 406,333 | $ 149,000 |
| Merced, CA | 28 | $ 5,572,000 | $ 199,000 | $ 93,000 |
| Eau Claire, WI | 25 | $ 3,656,000 | $ 146,240 | $ 52,000 |
| San Rafael, CA | 24 | $ 15,890,000 | $ 662,083 | $ 214,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 22 | $ 4,970,000 | $ 225,909 | $ 85,000 |
| Memphis, TN-MS-AR | 21 | $ 2,183,000 | $ 103,952 | $ 131,000 |
| Bakersfield, CA | 19 | $ 3,673,000 | $ 193,315 | $ 97,000 |
| Boulder, CO | 17 | $ 5,688,000 | $ 334,588 | $ 100,000 |
| Provo-Orem, UT | 16 | $ 3,628,000 | $ 226,750 | $ 79,000 |
| Tampa-St. Petersburg-Clearwater, FL | 14 | $ 2,313,000 | $ 165,214 | $ 67,000 |
| Fort Collins, CO | 13 | $ 3,426,000 | $ 263,538 | $ 125,000 |
| Fargo, ND-MN | 12 | $ 1,850,000 | $ 154,166 | $ 55,333 |
| Kahului-Wailuku-Lahaina, HI | 12 | $ 9,446,000 | $ 787,166 | $ 800,000 |
| Greeley, CO | 11 | $ 2,997,000 | $ 272,454 | $ 99,000 |
| The Villages, FL | 11 | $ 2,225,000 | $ 202,272 | $ 68,000 |
| Yuba City, CA | 11 | $ 2,512,000 | $ 228,363 | $ 72,000 |
| Prescott, AZ | 10 | $ 1,886,000 | $ 188,600 | $ 77,000 |
| Santa Maria-Santa Barbara, CA | 10 | $ 5,719,000 | $ 571,900 | $ 199,000 |
| Duluth, MN-WI | 9 | $ 1,286,000 | $ 142,888 | $ 118,000 |
| Houston-The Woodlands-Sugar Land, TX | 9 | $ 1,403,000 | $ 155,888 | $ 130,000 |
| Seattle-Bellevue-Everett, WA | 9 | $ 4,636,000 | $ 515,111 | $ 512,000 |
| St. Cloud, MN | 9 | $ 1,290,000 | $ 143,333 | $ 55,000 |
| Visalia-Porterville, CA | 9 | $ 1,524,000 | $ 169,333 | $ 75,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 1,704,000 | $ 213,000 | $ 39,000 |
| Hanford-Corcoran, CA | 7 | $ 1,151,000 | $ 164,428 | $ 68,000 |
| Napa, CA | 7 | $ 2,217,000 | $ 316,714 | $ 99,000 |
| El Centro, CA | 6 | $ 1,257,000 | $ 209,500 | $ 67,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 1,288,000 | $ 214,666 | $ 64,000 |
| Pueblo, CO | 6 | $ 1,097,000 | $ 182,833 | $ 92,000 |
| Rochester, MN | 6 | $ 966,000 | $ 161,000 | $ 58,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 6 | $ 1,853,000 | $ 308,833 | $ 144,000 |
| Austin-Round Rock, TX | 5 | $ 2,039,000 | $ 407,800 | $ 168,000 |
| Kankakee, IL | 5 | $ 683,000 | $ 136,600 | $ 69,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 764,000 | $ 152,800 | $ 85,000 |
| San Antonio-New Braunfels, TX | 5 | $ 810,000 | $ 162,000 | $ 158,000 |
| Tacoma-Lakewood, WA | 5 | $ 1,554,000 | $ 310,800 | $ 39,000 |
| Bismarck, ND | 4 | $ 897,000 | $ 224,250 | $ 49,000 |
| Carson City, NV | 4 | $ 769,000 | $ 192,250 | $ 90,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 465,000 | $ 116,250 | $ 43,000 |
| Grand Forks, ND-MN | 4 | $ 514,000 | $ 128,500 | $ 62,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 771,000 | $ 192,750 | $ 327,000 |
| Lincoln, NE | 4 | $ 553,000 | $ 138,250 | $ 24,000 |
| Logan, UT-ID | 4 | $ 473,000 | $ 118,250 | $ 51,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 1,005,000 | $ 251,250 | $ 114,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 898,000 | $ 224,500 | $ 69,000 |
| Chico, CA | 3 | $ 563,000 | $ 187,666 | $ 50,000 |
| Grand Junction, CO | 3 | $ 374,000 | $ 124,666 | $ 71,000 |
| Mankato-North Mankato, MN | 3 | $ 446,000 | $ 148,666 | $ 60,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,061,000 | $ 353,666 | $ 143,000 |
| Grants Pass, OR | 2 | $ 1,050,000 | $ 525,000 | $ 173,000 |
| Lakeland-Winter Haven, FL | 2 | $ 324,000 | $ 162,000 | $ 42,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 218,000 | $ 109,000 | $ 39,000 |
| Port St. Lucie, FL | 2 | $ 753,000 | $ 376,500 | $ 127,000 |
| Redding, CA | 2 | $ 316,000 | $ 158,000 | $ 34,000 |
| Sherman-Denison, TX | 2 | $ 180,000 | $ 90,000 | $ 55,000 |
| Sioux City, IA-NE-SD | 2 | $ 493,000 | $ 246,500 | $ 99,500 |
| Sioux Falls, SD | 2 | $ 263,000 | $ 131,500 | $ 53,000 |
| St. George, UT | 2 | $ 590,000 | $ 295,000 | $ 66,000 |
| Tucson, AZ | 2 | $ 157,000 | $ 78,500 | $ 71,000 |
| Tyler, TX | 2 | $ 200,000 | $ 100,000 | $ 114,000 |
| Urban Honolulu, HI | 2 | $ 1,302,000 | $ 651,000 | $ 128,000 |
| Yuma, AZ | 2 | $ 352,000 | $ 176,000 | $ 143,000 |
| Bellingham, WA | 1 | $ 201,000 | $ 201,000 | $ 152,000 |
| Bloomington, IL | 1 | $ 217,000 | $ 217,000 | $ 94,000 |
| Coeur D'Alene, ID | 1 | $ 228,000 | $ 228,000 | $ 61,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 144,000 | $ 144,000 | $ 167,000 |
| Flagstaff, AZ | 1 | $ 78,000 | $ 78,000 | $ 17,000 |
| Killeen-Temple, TX | 1 | $ 142,000 | $ 142,000 | $ 45,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 226,000 | $ 226,000 | $ 78,000 |
| Oklahoma City, OK | 1 | $ 310,000 | $ 310,000 | $ 85,000 |
| Oshkosh-Neenah, WI | 1 | $ 168,000 | $ 168,000 | $ 44,000 |
| Pocatello, ID | 1 | $ 230,000 | $ 230,000 | $ 90,000 |
| Punta Gorda, FL | 1 | $ 142,000 | $ 142,000 | $ 59,000 |
| Rapid City, SD | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Rockford, IL | 1 | $ 160,000 | $ 160,000 | $ 96,000 |
| Sebastian-Vero Beach, FL | 1 | $ 120,000 | $ 120,000 | $ 280,000 |
| Sebring, FL | 1 | $ 128,000 | $ 128,000 | $ 12,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 133,000 | $ 133,000 | $ 29,000 |
| Tallahassee, FL | 1 | $ 60,000 | $ 60,000 | $ 12,000 |
| Wichita Falls, TX | 1 | $ 364,000 | $ 364,000 | $ 0 |
Mortgage Loan Application Detail Totals for W. J. Bradley Mortgage Capital in 2015
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 Purchase | 7,317 | $1,941,596,000 | $265,000 | $2,000,000 | $94,000 | $2,868,000 |
| Refinancing | 5,019 | $1,654,147,000 | $329,000 | $3,000,000 | $109,000 | $3,436,000 |
| Home Improvement | 738 | $254,509,000 | $344,000 | $1,498,000 | $112,000 | $1,539,000 |
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 |
|---|---|---|---|---|---|---|
| White | 8,811 | $2,685,422,000 | $304,000 | $3,000,000 | $109,000 | $2,868,000 |
| Hispanic | 2,536 | $606,697,000 | $239,000 | $1,350,000 | $67,000 | $1,320,000 |
| Not Provided | 641 | $215,813,000 | $336,000 | $2,031,000 | $122,000 | $3,436,000 |
| Asian | 632 | $225,502,000 | $356,000 | $1,460,000 | $122,000 | $540,000 |
| Black or African American | 355 | $86,761,000 | $244,000 | $850,000 | $68,000 | $395,000 |
| Native Hawaiian or Other Pacific Islander | 73 | $23,971,000 | $328,000 | $778,000 | $95,000 | $504,000 |
| American Indian or Alaskan Native | 26 | $6,086,000 | $234,000 | $420,000 | $85,000 | $305,000 |
| 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) | 8,110 | $2,634,121,000 | $324,000 | $3,000,000 | $126,000 | $3,436,000 |
| FHA-insured (Federal Housing Administration) | 3,769 | $863,663,000 | $229,000 | $733,000 | $57,000 | $527,000 |
| VA-guaranteed (Veterans Administration) | 1,019 | $321,512,000 | $315,000 | $1,169,000 | $70,000 | $369,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 176 | $30,956,000 | $175,000 | $356,000 | $53,000 | $95,000 |
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 | 8,747 | $2,547,011,000 | $291,000 | $2,031,000 | $100,000 | $3,436,000 |
| File Closed For Incompleteness | 2,398 | $756,442,000 | $315,000 | $3,000,000 | $110,000 | $2,868,000 |
| Application Approved But Not Accepted | 747 | $235,393,000 | $315,000 | $1,895,000 | $104,000 | $874,000 |
| Application Withdrawn By Applicant | 666 | $175,171,000 | $263,000 | $1,600,000 | $86,000 | $1,745,000 |
| Application Denied By Financial Institution | 516 | $136,235,000 | $264,000 | $1,590,000 | $78,000 | $965,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 147 | $48,141,000 | $327,000 | $1,590,000 | $74,000 | $680,000 |
| Other | 72 | $17,165,000 | $238,000 | $556,000 | $76,000 | $206,000 |
| Credit History | 57 | $15,610,000 | $273,000 | $991,000 | $82,000 | $335,000 |
| Collateral | 41 | $8,635,000 | $210,000 | $589,000 | $101,000 | $489,000 |
| Credit Application Incomplete | 16 | $5,676,000 | $354,000 | $1,350,000 | $197,000 | $965,000 |
| Unverifiable Information | 13 | $2,956,000 | $227,000 | $394,000 | $92,000 | $293,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $3,192,000 | $266,000 | $512,000 | $67,000 | $130,000 |
| Employment History | 10 | $2,698,000 | $269,000 | $940,000 | $52,000 | $163,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into W. J. Bradley Mortgage Capital's 2015 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 W. J. Bradley Mortgage Capital'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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