W. J. Bradley Mortgage Capital Mortgage Lending & HMDA Data, 2011
In 2011, W. J. Bradley Mortgage Capital of Centennial, CO reported 10,993 mortgage applications totaling $2.6 billion, up 12% from 2010. The average application was for $234,608, and applicants reported an average income of $97,913. 88% of its applications resulted in an originated loan and 1% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (1,776), Las Vegas-Paradise, NV (1,365) and Phoenix-Mesa-Glendale, AZ (1,065) (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 | 10,993 |
| Total Mortgage Loan Application Amount | $2,579,049,000 |
| Average Mortgage Loan Application Amount | $234,608 |
| Highest Mortgage Loan Application Amount | $1,705,000 |
| Average Applicant Income | $97,913 |
| Highest Applicant Income | $2,143,000 |
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records W. J. Bradley Mortgage Capital filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for W. J. Bradley Mortgage Capital in 2011
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 | 7,311 | $1,471,867,000 | $201,000 | $1,500,000 | $85,000 | $1,913,000 |
| Refinancing | 3,503 | $1,042,804,000 | $297,000 | $1,705,000 | $122,000 | $2,143,000 |
| Home Improvement | 179 | $64,378,000 | $359,000 | $1,600,000 | $154,000 | $711,000 |
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 | 6,818 | $1,694,013,000 | $248,000 | $1,705,000 | $108,000 | $2,143,000 |
| Hispanic | 1,931 | $335,674,000 | $173,000 | $1,477,000 | $57,000 | $1,777,000 |
| Not Provided | 1,338 | $339,439,000 | $253,000 | $975,000 | $105,000 | $1,194,000 |
| Asian | 611 | $148,442,000 | $242,000 | $1,500,000 | $102,000 | $993,000 |
| Black or African American | 191 | $41,709,000 | $218,000 | $1,150,000 | $72,000 | $480,000 |
| Native Hawaiian or Other Pacific Islander | 72 | $14,057,000 | $195,000 | $560,000 | $110,000 | $569,000 |
| American Indian or Alaskan Native | 32 | $5,715,000 | $178,000 | $640,000 | $91,000 | $248,000 |
| 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) | 6,081 | $1,613,459,000 | $265,000 | $1,705,000 | $127,000 | $2,143,000 |
| FHA-insured (Federal Housing Administration) | 3,829 | $738,058,000 | $192,000 | $737,000 | $60,000 | $494,000 |
| VA-guaranteed (Veterans Administration) | 713 | $167,405,000 | $234,000 | $1,370,000 | $70,000 | $340,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 370 | $60,127,000 | $162,000 | $362,000 | $46,000 | $107,000 |
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 | 9,709 | $2,271,693,000 | $233,000 | $1,600,000 | $99,000 | $2,143,000 |
| Application Approved But Not Accepted | 461 | $106,909,000 | $231,000 | $1,705,000 | $95,000 | $745,000 |
| Application Withdrawn By Applicant | 388 | $91,113,000 | $234,000 | $1,500,000 | $76,000 | $556,000 |
| File Closed For Incompleteness | 319 | $84,688,000 | $265,000 | $1,600,000 | $95,000 | $750,000 |
| Application Denied By Financial Institution | 116 | $24,646,000 | $212,000 | $1,365,000 | $84,000 | $564,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 30 | $6,335,000 | $211,000 | $536,000 | $71,000 | $167,000 |
| Debt-To-Income Ratio | 30 | $7,056,000 | $235,000 | $1,365,000 | $75,000 | $455,000 |
| Collateral | 19 | $4,194,000 | $220,000 | $568,000 | $136,000 | $564,000 |
| Other | 18 | $3,810,000 | $211,000 | $1,280,000 | $92,000 | $263,000 |
| Unverifiable Information | 9 | $1,795,000 | $199,000 | $697,000 | $66,000 | $205,000 |
| Employment History | 7 | $811,000 | $115,000 | $211,000 | $40,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $645,000 | $215,000 | $315,000 | $68,000 | $125,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into W. J. Bradley Mortgage Capital's 2011 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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