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Bridgelock Capital Dba Peak Finance Company

WOODLAND HILLS, CA

Bridgelock Capital Dba Peak Finance Company processed 183 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 128 loans with a 1.6% denial rate. Home Purchase was the primary loan purpose. Based in WOODLAND HILLS, CA. The approval rate of 69.9% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Bridgelock Capital Dba Peak Finance Company's 69.9% origination rate tells you how often an application turned into funded money; the 1.6% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Insufficient cash, Debt-to-income ratio, which together explain the majority of rejections. Most activity concentrated in Conventional loans (179 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

183
Applications
128
Originated
1.6%
Denial Rate
$551,011
Avg Loan Amount
Avg Interest Rate: 7.061% Avg Applicant Income: $34,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 179 124 3 $550,978
VA 4 4 0 $552,500

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Bridgelock Capital Dba Peak Finance Company (LEI: 549300YIOSILVWW8FH16) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Insufficient cash
2
Debt-to-income ratio
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 147 104 $566,156
Refinancing 36 24 $489,167

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 153 71.2% 1.3%
Asian * 19 57.9% 5.3%
Joint * 6 100.0% 0.0%
Black or African American * 5 40.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 148 69.6% 2.0%
Hispanic or Latino * 31 71.0% 0.0%
Joint * 4 75.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in CA

Other HMDA-reporting lenders in CA with similar activity. Compare any two side-by-side.

Pennymac Loan Services LLC

WESTLAKE VILLAGE, CA

384,816 apps 67,294 originated 4.7% denied

Bank of America NA

Westlake Village, CA

233,637 apps 83,165 originated 34.6% denied

AmeriHome Mortgage Company, LLC

Thousand Oaks, CA

149,937 apps 6,250 originated 0.8% denied

Loandepot.Com, LLC

IRVINE, CA

142,924 apps 79,418 originated 23.3% denied

New American Funding, LLC.

TUSTIN, CA

118,479 apps 48,639 originated 11.1% denied
Compare Bridgelock Capital Dba Peak Finance Company vs Pennymac Loan Services LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Bridgelock Capital Dba Peak Finance Company process?
Bridgelock Capital Dba Peak Finance Company processed 183 mortgage applications in the 2024 HMDA reporting year. Of these, 128 were originated (approved and funded), 49 were withdrawn by the applicant, and 3 were denied.
What is Bridgelock Capital Dba Peak Finance Company's mortgage approval rate?
Bridgelock Capital Dba Peak Finance Company has an approval (origination) rate of 69.9%, meaning 69.9% of all applications resulted in a funded mortgage. The denial rate is 1.6%.
What is the average loan amount at Bridgelock Capital Dba Peak Finance Company?
The average mortgage loan amount at Bridgelock Capital Dba Peak Finance Company is $551,011. The average interest rate is 7.061%. The average applicant income is $34,000.
What are the most common reasons for mortgage denial at Bridgelock Capital Dba Peak Finance Company?
The most common reasons for mortgage denial at Bridgelock Capital Dba Peak Finance Company are: Insufficient cash, Debt-to-income ratio. In total, 3 applications were denied out of 183 total applications.
What types of mortgage loans does Bridgelock Capital Dba Peak Finance Company offer?
Bridgelock Capital Dba Peak Finance Company processes Conventional, VA loans. The most common type is Conventional with 179 applications and an average loan amount of $550,978.
What loan purposes does Bridgelock Capital Dba Peak Finance Company serve?
Bridgelock Capital Dba Peak Finance Company serves the following loan purposes: Home Purchase (147 applications), Refinancing (36 applications). Home Purchase is the most common purpose.
Where is Bridgelock Capital Dba Peak Finance Company located?
Bridgelock Capital Dba Peak Finance Company is headquartered in WOODLAND HILLS, CA. The lender is identified by LEI 549300YIOSILVWW8FH16 in HMDA data.
How does Bridgelock Capital Dba Peak Finance Company compare in lending across racial demographics?
Bridgelock Capital Dba Peak Finance Company reports demographic lending data under HMDA requirements. White applicants have an approval rate of 71.2% and denial rate of 1.3%; Asian applicants have an approval rate of 57.9% and denial rate of 5.3%; Joint applicants have an approval rate of 100.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.